ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Western New England Bancorp, Inc. ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 18.83 MM
- GROSS NPA (%)(Q) Lowest at 0.24%
- CASH AND EQV(HY) Highest at USD 65.89 MM
2
With ROA of 0.36%, it has a fair valuation with a 1.04 Price to Book Value
- Over the past year, while the stock has generated a return of 37.16%, its profits have risen by 30.9% ; the PEG ratio of the company is 0.5
3
High Institutional Holdings at 67.61%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.48% over the previous quarter.
4
Market Beating Performance
- The stock has generated a return of 37.16% in the last 1 year, much higher than market (S&P 500) returns of 14.90%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Western New England Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Western New England Bancorp, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Western New England Bancorp, Inc.
37.16%
2.83
32.84%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.43%
EBIT Growth (5y)
7.08%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
37.26%
Pledged Shares
0
Institutional Holding
67.61%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.04
EV to EBIT
17.80
EV to EBITDA
16.10
EV to Capital Employed
1.03
EV to Sales
2.69
PEG Ratio
0.49
Dividend Yield
360.40%
ROCE (Latest)
5.81%
ROE (Latest)
6.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
NII(Q)
Highest at USD 18.83 MM
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at USD 65.89 MM
NET SALES(Q)
Highest at USD 30.54 MM
OPERATING PROFIT(Q)
Highest at USD 6.62 MM
OPERATING PROFIT MARGIN(Q)
Highest at 21.67 %
PRE-TAX PROFIT(Q)
Highest at USD 6.62 MM
NET PROFIT(Q)
Highest at USD 5.21 MM
EPS(Q)
Highest at USD 0.26
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 11.16 MM
Here's what is working for Western New England Bancorp, Inc.
NII
Highest at USD 18.83 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.24%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at USD 30.54 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 6.62 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 21.67 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 6.62 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 6.62 MM has Grown at 50.94%
over average net sales of the previous four periods of USD 4.38 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 5.21 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 5.21 MM has Grown at 56.1%
over average net sales of the previous four periods of USD 3.34 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.26
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 65.89 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Western New England Bancorp, Inc.
Operating Cash Flow
Lowest at USD 11.16 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Capital Adequacy Ratio
Lowest at 12.21%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
