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 2026-11-03, 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 $14.06 (+0.64% 1D, market cap $280.0M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, WNEB ranks #249 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 (56/100 RQD, P/E N/A, ROIC 0.0%, cap $280.5M) and BCBP (BCB Bancorp Inc. (NJ)) posts a D grade (49/100 RQD, P/E N/A, ROIC -4.1%, cap $272.5M). 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 $1.15B in revenue (+3.1% YoY), $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): 1.5% FCF Margin ($17.1M FCF) & 52% Gross Margin
Macro rate sensitivity & RSI-14 (55.2) 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 ($13.64) invalidates the momentum regime and cuts Target Base ($14.50) toward Bear Floor ($11.31).
Western New England Bancorp Inc. (WNEB) advanced +0.64% to $14.06, trading at 76% 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. +3.1% 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 1097 tracked Financials securities in the Roarable RQD universe, Western New England Bancorp Inc. (WNEB) ranks #249 by composite RQD confidence (65/100, grade C) and #826 by equity capitalization ($280.0M). 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% | +0.64% | $280.0M | Benchmark Subject |
| FNRN First Northern Community Bancorp | D+ | 56/100 | — | — | 0.0% | +2.69% | $280.5M | /fnrn-vs-wneb → |
| BCBP BCB Bancorp Inc. (NJ) | D | 49/100 | — | — | -4.1% | +0.79% | $272.5M | /bcbp-vs-wneb → |
| CZWI Citizens Community Bancorp Inc. | C | 62/100 | 15.8x | — | 7.7% | +0.73% | $226.1M | /czwi-vs-wneb → |
| WSBF Waterstone Financial Inc. (MD) | D+ | 58/100 | 13.5x | — | 7.6% | +2.10% | $351.5M | /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 $1.15B (+3.1% vs. FY2024 revenue of $1.11B , and +1595.0% cumulative change since FY2023) , 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 | $1.15B | $15.3M | $18.2M | $17.1M | $2.74B | — |
| FY2024 (FY) | 2024-12-31 | $1.11B | $11.7M | $12.2M | $11.0M | $2.65B | — |
| FY2023 (FY) | 2023-12-31 | $67.8M | $15.1M | $14.8M | $14.8M | — | — |
As of 2026-11-03, 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 $14.06 (+0.64% 1D, market cap $280.0M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, WNEB ranks #249 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 (56/100 RQD, P/E N/A, ROIC 0.0%, cap $280.5M) and BCBP (BCB Bancorp Inc. (NJ)) posts a D grade (49/100 RQD, P/E N/A, ROIC -4.1%, cap $272.5M). 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 $1.15B in revenue (+3.1% YoY), $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 $14.06 (+0.64% on volume of 116,589 shares), positioning the stock +2.18% above its 50-day simple moving average ($13.76) and +3.08% above its 200-day simple moving average ($13.64). Across its 52-week range of $11.08 to $15.01, WNEB sits at the 75.8% percentile with a 14-day RSI of 55.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.5% ($13.43 to $14.69).
Western New England Bancorp Inc. (WNEB) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $14.06 (+0.64% 1D, market capitalization $280.0M).
Western New England Bancorp Inc. (WNEB) is a NASDAQ-listed issuer in the Financials sector, Savings Institutions industry (per the company profile). The profile describes the company as operating in savings institutions with a market capitalization of $0.3B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Western New England Bancorp Inc. (WNEB) reported $1.15B in annual revenue (up from $1.11B in FY2024, +3.1% YoY) and $15.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($67.8M revenue, $15.1M net income) through FY2025, WNEB scaled operating cash flow to $18.2M and free cash flow to $17.1M, backed by $2.74B in total assets against $0 in total debt.
Operating in Savings Institutions (Financials), WNEB carries a macro regime beta of 1.00 and gross margin of —.
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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.
Long WNEB at $13.97 targeting $17.60. Insider Conviction (15/20) and a 6.07% FCF yield support a cash-generative profile at a trailing P/E of 18.5.. Institutional whale score is 12/20 and the risk/reward vs. the $11.08 52-week low is skewed heavily in favor of bulls.
@FadeTheHype Shorting a 12/20 institutional whale-flow stock at $13.97 is dangerous when funds are rotating into Financials.
Sitting on the sidelines or leaning short WNEB above $13.97. Valuation & margin reality check on WNEB at $13.97 before chasing here. Until Fundamental Cash Engine (13/20) and FCF yield (6.07%) inflect higher, upside is capped near $15.01.
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