Stock Ratings / Financials / WNEB / options

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

Western New England Bancorp Inc. (WNEB) Options Positioning, Max Pain & Unusual Sweeps

$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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.6%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (WNEB)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for WNEB.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating WNEB & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on WNEB
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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 options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for WNEB.

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

ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

WNEB — Western New England Bancorp Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:39:15Z

Roarable Rating Brief: What This Means to a Prospective Investor

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.

Financial Trend

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.

Recent Catalysts & News Wire Analysis

Q3 earnings: Coverage references Q3 earnings strength and a premium P/E, and a separate report cites $6.3 Million Third-Quarter Net Income (per the news wire).
Share repurchase authorization: A buyback plan was reported, described as allowing repurchase of up to 1 million shares, about 5% of the stock (per the news wire; flagged as a CATALYST).
Estimates and key metrics: Coverage compares Q3 key metrics against estimates (per the news wire).
Risk watch items: Not available in source data beyond the general market-wire tags.
Proprietary signals: None listed in the Butterfly Supply-Chain Graph.

Open Questions

What are the cash, debt, revenue, and operating income figures behind the reported $0.0M revenue and operating income entries?
What is the EV/EBITDA, and how does the valuation compare to peers in savings institutions?
How much of the buyback authorization has been or is expected to be executed, and at what pace?
What drove the year-over-year swing in net income between FY 2023, FY 2024, and FY 2025?
Who are the holders, insiders, and analysts covering WNEB, given that holders and analyst data are absent?

WNEB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Western New England Bancorp Inc. (WNEB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to WNEB Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 8h ago

Western New England Bancorp (WNEB) Stock Eyes Q3 Earnings Strength And Premium P E

Yahoo Finance report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 11h ago

Western New England Bancorp, Inc. Estimates – NASDAQ:WNEB

TradingView report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 14h ago

Western New England Bancorp (WNEB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Yahoo Finance report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST www.marketscreener.com • 17h ago

Western New England Bancorp, Inc. authorizes a Buyback Plan.

www.marketscreener.com report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 20h ago

A new plan could let Western New England Bancorp buy back up to 1 million shares, about 5% of its stock.

Stock Titan report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 23h ago

Western New England Bancorp Reports $6.3 Million Third-Quarter Net Income

Quiver Quantitative report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Western New England Bancorp (WNEB) Q3 Earnings and Revenues Surpass Estimates

Yahoo Finance report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST www.marketscreener.com • 1d ago

Tranche Update on Western New England Bancorp, Inc.'s Equity Buyback Plan announced on April 22, 2025.

www.marketscreener.com report covering Western New England Bancorp Inc. (WNEB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WNEB Bull vs. Bear Conversation Board — What's Your Call at $13.97?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WNEB 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $15.21 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is WNEB (C • RQD 65/100) a Buy at $14.08?

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.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $11.26 (-20.0%)

Spot @ $14.08

Pump the brakes on WNEB — check the valuation vs. margin headwinds

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.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $17.32 (+23.0%)

Spot @ $14.08

WNEB cash flow & RQD setup is being underpriced by the Street here

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.