On this page of StockholderLetter.com we present the latest annual shareholder letter from Western New England Bancorp, Inc. — ticker symbol WNEB. Reading current and past WNEB letters to shareholders can bring important insights into the investment thesis.

 •  4/4/2025 Letter Continued (Full PDF)
 •  3/29/2024 WNEB Stockholder Letter
 •  More "Banking & Savings" Category Stockholder Letters
 •  WNEB Benford's Law Stock Score = 91

WNEB Shareholder/Stockholder Letter Transcript:

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Securities and Exchange Commission
Washington, D.C. 20549
FORM 10-K
ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2024
Commission File No.: 001-16767
Western New England Bancorp, Inc.
(Exact name of registrant as specified in its charter)
Massachusetts
(State or other jurisdiction of incorporation or organization)
73-1627673
(I.R.S. Employer Identification No.)
141 Elm Street, Westfield, Massachusetts 01085
(Address of principal executive offices, including zip code)
(413) 568-1911
(Registrant   s telephone number, including area code)
Securities registered pursuant to Section 12(b) of the Act:
(Name of each exchange on which
(Title of each class)
registered)
(Trading Symbol)
Common Stock, $0.01 par value per share
WNEB
The NASDAQ Global Select Market
Securities registered pursuant to Section 12(g) of the Act: None.
Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
No
Yes
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.
Yes
No
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities
Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such
No
reports), and (2) has been subject to such filing requirements for the past 90 days. Yes
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted
pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was
required to submit such files). Yes
No
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller
reporting company, or an emerging growth company. See the definitions of    large accelerated filer,       accelerated filer,   
   smaller reporting company,    and    emerging growth company    in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filer
Accelerated filer
Non-accelerated filer
Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for
complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
Indicate by check mark whether the registrant has filed a report on and attestation to its management   s assessment of the
effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b))
by the registered public accounting firm that prepared or issued its audit report.
If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the
Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentivebased compensation received by any of the registrant   s executive officers during the relevant recovery period pursuant to   



 4/4/2025 Letter Continued (Full PDF)