Western New England Bancorp Inc. (WNEB) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, Western New England Bancorp Inc. (NASDAQ: WNEB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $13.97 (-0.78% 1D, market cap $282.2M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, WNEB ranks #293 in composite RQD confidence.
Within the Financials sector (Savings Institutions), WNEB carries a Roarable C (65/100 RQD), trailing P/E of 18.5x, gross margin of —, and ROIC of 6.2%. By comparison, FNRN (First Northern Community Bancorp) holds a D+ grade (54/100 RQD, P/E N/A, ROIC 0.0%, cap $278.4M) and BCBP (BCB Bancorp Inc. (NJ)) posts a D grade (46/100 RQD, P/E N/A, ROIC -4.1%, cap $264.8M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while CZWI leads on capital efficiency (7.7% ROIC).
Per WNEB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001157647), Western New England Bancorp Inc. generated $0 in revenue, $15.3M in net income, and $17.1M in free cash flow against $2.74B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
SEC XBRL FY 2025 (10-K): 0.4% FCF Margin ($17.1M FCF) & 52% Gross Margin
Macro rate sensitivity & RSI-14 (58.6) create a -8 pt regime headwind
Even with a 65/100 (C) score, WNEB faces multiple-compression risk if 18.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($13.76) or 200D SMA ($13.63) invalidates the momentum regime and cuts Target Base ($14.41) toward Bear Floor ($11.24).
Western New England Bancorp Inc. (WNEB) slipped -0.78% to $13.97, trading at 74% of its 52-week range ($11.08 – $15.01). Solid steady margins (6% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
(AP) — Western New England Bancorp (WNEB) on Tuesday reported net income of $6.The bank, based in Westfield, Massachusetts, said it had earnings of 32 cents per share.
Western New England (NASDAQ:WNEB) reported quarterly earnings of $0.32 per share which beat the analyst consensus estimate of $0.26 by 23.08 percent. This is a 100 percent increase over earnings of $0.16 per share from
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on WNEB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for WNEB. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Western New England Bancorp Inc. (WNEB) ranks #293 by composite RQD confidence (65/100, grade C) and #824 by equity capitalization ($282.2M). Within this direct 5-issuer industry benchmark cohort, WSBF leads on earnings valuation at 13.5x trailing P/E, while CZWI leads on capital efficiency and profitability with 7.7% ROIC and — gross margin. WNEB currently leads its immediate peer cohort in composite quantitative strength at 65/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| WNEB
ACTIVE
Western New England Bancorp Inc. | C | 65/100 | 18.5x | — | 6.2% | -0.78% | $282.2M | Benchmark Subject |
| FNRN First Northern Community Bancorp | D+ | 54/100 | — | — | 0.0% | +0.77% | $278.4M | /fnrn-vs-wneb → |
| BCBP BCB Bancorp Inc. (NJ) | D | 46/100 | — | — | -4.1% | +2.90% | $264.8M | /bcbp-vs-wneb → |
| CZWI Citizens Community Bancorp Inc. | C | 62/100 | 15.8x | — | 7.7% | -1.01% | $228.4M | /czwi-vs-wneb → |
| WSBF Waterstone Financial Inc. (MD) | C- | 60/100 | 13.5x | — | 7.6% | -1.41% | $356.5M | /wsbf-vs-wneb → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Western New England Bancorp Inc. (WNEB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $15.3M, operating cash flow of $18.2M, and free cash flow of $17.1M (+56.2% YoY). On the balance sheet, WNEB closed FY2025 with $2.74B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $15.3M | $18.2M | $17.1M | $2.74B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $11.7M | $12.2M | $11.0M | $2.65B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $15.1M | $14.8M | $14.8M | — | — |
As of 2026-11-02, Western New England Bancorp Inc. (NASDAQ: WNEB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $13.97 (-0.78% 1D, market cap $282.2M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, WNEB ranks #293 in composite RQD confidence.
Within the Financials sector (Savings Institutions), WNEB carries a Roarable C (65/100 RQD), trailing P/E of 18.5x, gross margin of —, and ROIC of 6.2%. By comparison, FNRN (First Northern Community Bancorp) holds a D+ grade (54/100 RQD, P/E N/A, ROIC 0.0%, cap $278.4M) and BCBP (BCB Bancorp Inc. (NJ)) posts a D grade (46/100 RQD, P/E N/A, ROIC -4.1%, cap $264.8M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while CZWI leads on capital efficiency (7.7% ROIC).
Per WNEB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001157647), Western New England Bancorp Inc. generated $0 in revenue, $15.3M in net income, and $17.1M in free cash flow against $2.74B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
WNEB last traded at $13.97 (-0.78% on volume of 30,447 shares), positioning the stock +1.53% above its 50-day simple moving average ($13.76) and +2.49% above its 200-day simple moving average ($13.63). Across its 52-week range of $11.08 to $15.01, WNEB sits at the 73.5% percentile with a 14-day RSI of 58.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($13.33 to $14.61).
Why WNEB Stock slipped -0.78% Today — RQD Quant Desk Flash. Solid steady margins (6% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.
The Roarable RQD Score is 65, graded C, with the verdict "Roarable Hold — Fair / Balanced Risk-Reward" (per the Roarable RQD rating). Across its five pillars, the Fundamental Cash Engine scores 13 of 20 (ROIC 6.2%; FCF yield 6.07%), Whale 13F Flow scores 12 of 20 (institutional accumulation and options positioning), Insider Conviction scores 15 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit scores 12 of 20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet scores 13 of 20 (Altman Z 2.5; Piotroski F 5/9; Debt/Equity 0.5). Taken together, the pillars describe a company with steady cash generation and moderate balance-sheet strength, a neutral market-sensitivity profile, and insider activity that the rating treats as its strongest component. Upside drivers in this framework are the cash-flow yield and insider conviction; valuation tradeoffs are reflected in the trailing P/E of 18.5 against a forward P/E of 17.2 (per the market data). For a prospective investor evaluating the stock today, the rating points to a balanced setup rather than a clear asymmetric opportunity. This is an educational summary, not personalized financial advice.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $15.3M | N/A | $17.1M | N/A | N/A |
| FY 2024 | $0.0M | $0.0M | $11.7M | N/A | $11.0M | N/A | N/A |
| FY 2023 | $0.0M | $0.0M | $15.1M | N/A | $14.8M | N/A | N/A |
Reported net income moved from $15.1M (FY 2023) to $11.7M (FY 2024) and $15.3M (FY 2025), while free cash flow ran $14.8M, $11.0M, and $17.1M across the same periods (per the SEC financials). Revenue and operating income are reported as $0.0M in every period, and gross, operating, and net margin are each listed as 0% in the market data, so margin analysis is not meaningful from this source. The market data reports ROIC of 6.2%, an Altman Z-Score of 2.5, and a Piotroski F-Score of 5/9 (per the Roarable RQD rating). Debt/Equity is 0.5 per the same rating; cash and debt balances are N/A in the financials.
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Yahoo Finance report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.
Welcome to the WNEB (Western New England Bancorp Inc.) Roar Pit. Current RQD Composite is 65/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on WNEB, but look at what you are paying: 18.5x trailing P/E with tightening sector spreads. Unless Western New England Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on WNEB, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $14.08 (52-wk range $11.08 - $15.01), any beat on forward guidance forces shorts and underweight funds to chase.
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