<span item_type="fundamental" item_id="9e24b2dfb0b5da72c0a9a93baaacdeba" counter_id="ST/US/WNEB" env="prod"></span><span item_type="announcement" item_id="576628034663089665" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 21.27 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.16, missing the estimate of USD 0.185.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -13.9 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Loans and Deposits</strong>: Total loans increased by $60.8 million, or 2.9%, from $2.1 billion at December 31, 2024, to $2.1 billion at September 30, 2025. Total deposits increased by $87.2 million, or 3.9%, from December 31, 2024, to $2.3 billion at September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1157647/000199937125016295/ex99-1.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: For the three months ended September 30, 2025, net income was $3.2 million, compared to $1.9 million for the same period in 2024, representing a 66.3% increase. For the nine months ended September 30, 2025, net income was $10.1 million, compared to $8.4 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1157647/000199937125016295/ex99-1.htm"></span></li><li><strong>Net Interest Margin</strong>: Increased to 2.81% for the three months ended September 30, 2025, from 2.40% for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1157647/000199937125016295/ex99-1.htm"></span></li><li><strong>Operating Costs</strong>: Non-interest expense increased by $1.4 million, or 9.5%, to $15.8 million for the three months ended September 30, 2025, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1157647/000199937125016295/ex99-1.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Operating Cash Flow</strong>: Not explicitly detailed in the reference.</li><li><strong>Free Cash Flow</strong>: Not explicitly detailed in the reference.</li></ul><h3>Unique Metrics</h3><ul><li><strong>Allowance for Credit Losses</strong>: At September 30, 2025, the allowance for credit losses was $20.5 million, or 0.96% of total loans, compared to $19.5 million, or 0.94% of total loans, at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1157647/000199937125016295/ex99-1.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The company remains committed to delivering long-term value to shareholders through capital management strategies, including continued loan growth, share repurchases, and quarterly cash dividends. The company also emphasizes its disciplined approach to managing funding costs and expanding its net interest margin.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1157647/000199937125016295/ex99-1.htm"></span></li><li>The company remains well-capitalized with a strong liquidity position and access to diversified borrowing sources. The company continues to focus on enhancing shareholder value while maintaining a customer and community focus.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1157647/000199937125016295/ex99-2.htm"></span></li></ul>

Western New England Bancorp | 8-K: FY2025 Q3 Revenue: USD 21.27 M