COMP <GO>
WNEB vs FNRN // EV/EBITDA & P/E VALUATION
Western New England Bancorp Inc. (NASDAQ) VS. First Northern Community Bancorp (NASDAQ) • 15-METRIC TALLY: WNEB 4
— FNRN 1
■ METRIC PARITY
LAST: $14.08 (+2.40%) • MKT CAP: $282.2M
valuation
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LAST: $16.98 (+1.19%) • MKT CAP: $278.4M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WNEB VS. FNRN)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WNEB | FNRN | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.20% | 0.00% | +6.20 | WNEB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.07% | 1.87% | +4.20 | WNEB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.02% | 2.70% | -0.68 | FNRN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.1 | 54.3 | +1.77 | WNEB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.2x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $282.2M | $278.4M | $3.9M | WNEB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WNEB REV | FNRN REV | WNEB GROSS % | FNRN GROSS % | WNEB FCF | FNRN FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $17.1M | $5.2M |
| FY 2024 | $0 | $0 | — | — | $11.0M | $19.2M |
| FY 2023 | $0 | $0 | — | — | $14.8M | $27.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WNEB // BETA —
FNRN // BETA —