Western New England Bancorp, Inc. (WNEB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Ponce Financial Group, Inc.

Hingham Institution for Savings

Third Coast Bancshares, Inc.

Provident Bancorp, Inc. (Massachusetts)

Greene County Bancorp, Inc.

Timberland Bancorp, Inc. (Washington)

FS Bancorp, Inc.

Blue Foundry Bancorp

Western New England Bancorp, Inc.

ESSA Bancorp, Inc.

William Penn Bancorp

Why is Western New England Bancorp, Inc. ?

Positive results in Jun 25

NII(Q) Highest at USD 17.64 MM
CASH AND EQV(HY) Highest at USD 57.44 MM
NET SALES(Q) Highest at USD 29.61 MM

With ROA of 0.27%, it has a expensive valuation with a 0.81 Price to Book Value

Over the past year, while the stock has generated a return of 30.43%, its profits have fallen by -13.5%

High Institutional Holdings at 60.6%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating Performance

The stock has generated a return of 30.43% in the last 1 year, much higher than market (S&P 500) returns of 12.33%

Real-Time Research Report

Verdict Report

How 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.

36.83%

2.75

32.75%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

6.76%

EBIT Growth (5y)

4.63%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

50.44%

Pledged Shares

Institutional Holding

60.60%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.81

EV to EBIT

16.77

EV to EBITDA

13.70

EV to Capital Employed

0.81

EV to Sales

1.73

PEG Ratio

Dividend Yield

721.07%

ROCE (Latest)

4.85%

ROE (Latest)

4.63%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

NII(Q)

Highest at USD 17.64 MM

CASH AND EQV(HY)

Highest at USD 57.44 MM

NET SALES(Q)

Highest at USD 29.61 MM

OPERATING PROFIT(Q)

Highest at USD 5.77 MM

OPERATING PROFIT MARGIN(Q)

Highest at 19.48 %

PRE-TAX PROFIT(Q)

Highest at USD 6.01 MM

NET PROFIT(Q)

Highest at USD 4.59 MM

EPS(Q)

Highest at USD 0.23

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 14.62 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 89.81%

Here's what is working for Western New England Bancorp, Inc.

NII

Highest at USD 17.64 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 29.61 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 5.77 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 19.48 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 6.01 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 6.01 MM has Grown at 70.12%

over average net sales of the previous four periods of USD 3.53 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 4.59 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 4.59 MM has Grown at 66.79%

over average net sales of the previous four periods of USD 2.75 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.23

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 57.44 MM

in the last six Semi-Annual periods

MOJO 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 14.62 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Lowest at 89.81%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)