Stock Ratings / Financials / WNEB / forecast

FNRN (54) BCBP (46) CZWI (62) WSBF (60) ⌘ Pro Terminal →

Western New England Bancorp Inc. (WNEB) 12-Month Stock Forecast & Price Target Cone

$13.97 -0.78% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.92

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.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $282.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on WNEB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is WNEB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does WNEB compare to FNRN and BCBP in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WNEB?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $13.92 (-0.33%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 0.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WNEB)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY WNEB SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 0.4% FCF Margin ($17.1M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (58.6) create a -8 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$13.69-2.3% Next Q

Q2 (-2Q)

Grade C$13.37+3.3% Next Q

Q3 (-1Q)

Grade C+$13.81+1.2% Next Q

Current

Grade C$13.97+1.3% Hist 90D α

Trajectory: C (57) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the WNEB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

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.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

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).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WNEB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “WNEB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your WNEB Position Size: $10,000

Shares at $13.97: 715.8 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $11.24

$8,046

$-1,954 (-19.5%)

12M Consensus BaseTarget $14.41

$10,315

+$315 (+3.1%)

12M Bull Case BreakoutTarget $17.00

$12,169

+$2,169 (+21.7%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$15	74%	A
Goldman SachsSector Coverage Lead	BUY	$16	69%	B
JP MorganUS Large-Cap Research	HOLD	$13	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (WNEB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

WNEB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.87%⚡ TESTING RESISTANCE

2026-11-02O $13.75H $14.08L $13.75C $13.97VOL 41.4K

RES: $14.18SUP: $13.24SMA50: $13.76SMA200: $13.63

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WNEB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WNEB Butterfly Map → + Track WNEB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

11.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WNEB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WNEB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WNEB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WNEB)

Financials Rank #293 of 1096 ⚔️ FNRN vs WNEB Full Matrix →

1. Head-to-Head Financials Peer Comparison (WNEB vs. FNRN, BCBP, CZWI, WSBF)

Industry: Savings Institutions (33 Tracked Issuers)

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 →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001157647

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	—	—

3. WNEB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WNEB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does WNEB compare to FNRN and BCBP in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for WNEB?

Where is WNEB trading relative to its 50-day, 200-day, and 52-week technical levels?

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).

WNEB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is WNEB's 12-month stock price target?

Western New England Bancorp Inc. (WNEB) carries a 12-month consensus base price target of $14.41 (+3.1% from $13.97), with a bull-case target of $17 and a bear-case floor of $11.24.

Is WNEB stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates WNEB C (Hold — HOLD) with an RQD Confidence score of 65/100.

Direct Sub-Reports: WNEB RQD Cockpit WNEB 12M Forecast WNEB Earnings & Move WNEB Dividends & DRIP WNEB Insiders & 13F WNEB Whale Options WNEB Profit Sankey WNEB News & Why