It does have some similarities of the BW Warbler and an eye ring, generally a BW would have more black on cheeks, throat and two wingbars, this is one for the experts..could be a young bird or even a hybrid
I would say a female Black and White, maybe first winter because of the amount of rufous on the lower flanks. The field marks shown in the image match nicely with what Sibley has to say about the species.
I agree with the 1st year female Black & White. I always find it helpful to try to get shots of the under-tail of a bird I'm not sure of in the field. For warblers the under-tail is a field mark and there are two pages of them in the Peterson Field Guide: Warblers. Specially helpful in the fall!