Wayne Savings Bancshares Inc. Credit Rating

BOSTON (AI Credit Rating Terminal) Wed Jul 22 2020 15:49:03 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We downgraded Wayne Savings Bancshares Inc. because free cash flow negative and leverage high. We use econometric methods for period (n+30) simulate with Multi-Wave Oscillators Wilcoxon Rank-Sum Test. Reference code is: 2861. Beta DRL value REG 14 Rational Demand Factor LD 4590.3984. Our view of a company's financial policy is an important input when assessing its current and future liquidity position. For instance, we assess whether a company has historically had a higher risk appetite and an aggressive acquisition strategy that has strained its liquidity position, or whether it has taken actions to preserve liquidity in past downturns. Credit Rating AI Process rely on primary sources of information: Sec Filings, Financial Statements, Credit Ratings, Semantic Signals. Take a look at Machine Learning section for Financial Deep Reinforcement Learning.Oscillators are used for generating credit risk signals by using the semantic and financial signals. The value of the oscillators indicate the strength of trend. Using the correlation matrices, the credit rating risk map for Wayne Savings Bancshares Inc. as below:

Credit Ratings for Wayne Savings Bancshares Inc. as of 22 Jul 2020


Credit Rating Short-Term Long-Term Senior
AI Rating Class*B3Ba2
Semantic Signals6689
Financial Signals3283
Risk Signals4359
Substantial Risks7080
Speculative Signals4634

*Machine Learning utilizes multiple learning algorithms to obtain better predictive powers. In our research, we utilize machine learning to combine the results from the Neural Network and Support Vector Machines.
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