Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.Cash flow can come from bond interest, interest from other types of investments, and of course, dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that measures a dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.Western New England Bancorp in FocusHeadquartered in Westfield, Western New England Bancorp (WNEB) is a Finance stock that has seen a price change of -4.79% so far this year. Currently paying a dividend of $0.06 per share, the company has a dividend yield of 2.88%. In comparison, the Banks - Foreign industry's yield is 3.84%, while the S&P 500's yield is 1.69%.Taking a look at the company's dividend growth, its current annualized dividend of $0.24 is up 20% from last year. Over the last 5 years, Western New England Bancorp has increased its dividend 3 times on a year-over-year basis for an average annual increase of 11.32%. Future dividend growth will depend on earnings growth as well as payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Right now, Western New England Bancorp's payout ratio is 23%, which means it paid out 23% of its trailing 12-month EPS as dividend.Looking at this fiscal year, WNEB expects solid earnings growth. The Zacks Consensus Estimate for 2022 is $1.03 per share, which represents a year-over-year growth rate of 0.98%.Bottom LineInvestors like dividends for a variety of different reasons, from tax advantages and decreasing overall portfolio risk to considerably improving stock investing profits. However, not all companies offer a quarterly payout.High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. Income investors have to be mindful of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. That said, they can take comfort from the fact that WNEB is not only an attractive dividend play, but is also a compelling investment opportunity with a Zacks Rank of #1 (Strong Buy). Special Report: The Top 5 IPOs for Your Portfolio Today, you have a chance to get in on the ground floor of one of the best investment opportunities of the year. As the world continues to benefit from an ever-evolving internet, a handful of innovative tech companies are on the brink of reaping immense rewards - and you can put yourself in a position to cash in. One is set to disrupt the online communication industry. Brilliantly designed for creating online communities, this stock is poised to explode when made public. With the strength of our economy and record amounts of cash flooding into IPOs, you don’t want to miss this opportunity.>>See Zacks’ Hottest IPOs NowWant the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Western New England Bancorp (WNEB): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research