Western New England Bancorp, Inc. (WNEB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$13.89+1.31%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · WNEB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 17.0% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| -14.8% |
Growth built into the price is above our model estimate.
The price assumes 31.7 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
WNEB — earnings miss
Dated 2026-07-28
Results of Operations and Financial Condition. On July 28, 2026, Western New England Bancorp, Inc. (the “Company”) issued a press release announcing its financial results for the quarter and six months ended June 30, 2026. A copy of the press release is furnished as Exhibit 99.1 hereto and is hereby incorporated by reference into this
Why it matters: The next earnings report will show if the recent decline in income is a trend. A recovery in earnings could signal improved performance.
Watch forQ3 net income is over $4.8 million. This shows recovery from the recent earnings miss.
Also watch forQ3 net income remains below $4.8 million, confirming the downward trend in earnings.
Why it matters: Revenue growth is a key focus. A drop below this level signals trouble in sustaining growth.
Worry ifQ2 revenue reported below $30 million.
Less concerning ifQ2 revenue reported above $30 million.
Why it matters: Growth in loans indicates strong demand and effective lending strategies. It could support revenue growth.
Supportive ifTotal loans are above $2.2 billion. This shows good loan growth.
Worry ifTotal loans are below $2.2 billion. This shows no growth or decline.
Why it matters: A drop in net income would indicate ongoing challenges in managing costs and credit risks.
Worry ifQ3 net income reported below $3.6 million, which was the amount for Q2.
Less concerning ifQ3 net income remains at or above $3.6 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$96 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $238 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,388 loss on $10,000 · 13.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Keeping the dividend shows that management cares about shareholders. If it changes, it may mean trouble.
Supportive ifThe company announces a cash dividend of $0.07 per share for Q3. This matches past quarters.
Worry ifThe company cuts or stops the dividend for Q3. This may show financial problems.
Why it matters: If sector growth slows, it may impact WNEB's performance. This could lead to lower expectations.
Worry ifSector revenue growth reported below 15%.
Less concerning ifSector revenue growth remains at or above 15%.
Why it matters: Loan growth is key for revenue. A slowdown could indicate challenges in the lending environment.
Worry ifTotal loans increase by more than $9.9 million in Q3, showing continued growth.
Less concerning ifTotal loans change by less than $9.9 million in Q3. This may show lending issues.
Why it matters: A drop in net interest margin means less profit from lending.
Worry ifNet interest margin under 3.00% shows lower profits.
Less concerning ifNet interest margin stays at or above 3.00%, showing steady lending profits.
Why it matters: Revenue growth has been inconsistent. A decline would show ongoing challenges.
Worry ifQ2 revenue growth is steady or higher than last year. It is over $30.281 million.
Less concerning ifQ2 revenue falls below $30.281 million year over year.
Why it matters: A drop in net interest margin could mean less profit. This may hurt overall earnings.
Worry ifQ3 net interest margin reported below 3.00%, which was the margin for Q2.
Less concerning ifQ3 net interest margin remains at or above 3.00%.
Why it matters: More share buybacks show good capital management. It also shows a focus on shareholder value.
Supportive ifQ3 share repurchases exceed 195,000 shares, which was the amount for Q2.
Worry ifQ3 share repurchases fall below 195,000 shares.
Why it matters: A fall in operating income shows problems with making money and managing costs.
Worry ifOperating income was below $4.8 million. This was the same amount as Q2.
Less concerning ifOperating income remains at or above $4.8 million in Q3.