Western New England Bancorp, In — Earnings Quality Grade F
WNEB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 39 days, change -4 days YoY
AR growth 3.7% vs revenue growth 13.6%
Revenue 13.6%, CFFO 49.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -10.3% vs revenue 13.6%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.19. Profits backed by cash
FCF $0.0B, FCF/NI = 1.12
Accruals ratio = -0.1%. Low accruals
Cash $0.0B covers only 36% of debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 5% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Western New England Bancorp, In is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25