Western New England Bancorp, Inc. (WNEB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$13.68-2.63%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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 | 1.0% |
| Our one-year growth estimate | diamond | -18.5% |
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 2026-11-05.
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.
Growth built into the price is above our model estimate.
The price assumes 19.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
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: Management plans to grow loans while keeping credit standards tight. Total loans rose just 0.5% from year-end through Q3.
Worry ifReported total loans are below the year-end 2025 level in the next quarterly results.
Less concerning ifReported total loans rise above the year-end 2025 level, with growth across more than one loan type.
Why it matters: Past-due loans rose from 0.14% at year-end to 0.41% in Q3. A further rise could point to weaker loan payments.
Worry ifQ4 past-due loans exceed 0.41% of total loans.
Less concerning ifQ4 past-due loans fall below 0.41% of total loans.
Why it matters: The margin rose to 3.07% in Q3 as funding costs eased. A further gain would support this key earnings driver.
Supportive ifQ4 net interest margin is above 3.07%.
Worry ifQ4 net interest margin falls to 3.00% or less.
Why it matters: Nonaccrual loans rose from 0.24% at year-end to 0.36% in Q3. Another increase would add to the credit risk signal.
Worry ifQ4 nonaccrual loans exceed 0.36% of total loans.
Less concerning ifQ4 nonaccrual loans fall below 0.36% of total loans.
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 | $210 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,311 loss on $10,000 · 13.1% | 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: WNEB has 276,465 shares left in its 2025 plan. The new plan allows up to 1.0 million more shares to be bought back after that plan ends.
Supportive ifA company filing or report says the 2025 plan is complete and shares were bought under the 2026 plan.
Worry ifWNEB reports that it stopped buying shares or that the 2026 plan has not begun after the 2025 plan ends.