Winchester Bancorp, Inc. WSBK
Company Overview
Winchester Bancorp, Inc. operates as a bank holding company for Winchester Savings Bank that provides banking products and services in the United States. The company offers deposit accounts, including non-interest-bearing checking, interest-bearing checking, money market, and savings accounts, as well as certificates of deposit; and one- to four-family residential real estate loans, multifamily residential real estate loans, construction loans, commercial real estate loans, home equity loans and lines of credit, commercial business loans, and consumer loans including automobile loans, home mortgages, credit lines, and other personal loans, as well as invests in securities. Winchester Bancorp, Inc. was incorporated in 1871 and is headquartered in Winchester, Massachusetts. Winchester Bancorp, Inc. is a subsidiary of Winchester Bancorp, MHC.
Why Investors Should Care
Maintains a net profit margin of 17.4%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Jun 2025 Revenue of $19.31M (+21.9% YoY); net profit $-874.00K.
- Trailing 12 Months Year-on-year growth — revenue +32.2%, earnings -211.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 1.7%, profit CAGR -60.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 1.74% |
| 1 Year: | 32.20% |
Compounded Profit Growth
| 5 Years: | -60.50% |
| 1 Year: | -211.20% |
Stock Price Performance
| 1 Year: | +37.57% |
| 6 Months: | +16.70% |
| 3 Months: | +1.64% |
| 1 Month: | -0.75% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)49.10 · Neutral
P/E of 26.53 is above the sector median of 13.68 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -60.5% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | WSBK Winchester Bancorp, Inc. | 13.00 | 26.53 | $116.49M | 0.00% | - | 3.75% | 1.74% | -60.50% |
| 2 | JPM JPMorgan Chase & Co. SPX | 351.79 | 16.85 | $942.63B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 511.54 | 15.23 | $715.29B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 366.13 | 31.95 | $607.67B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 573.10 | 33.18 | $502.63B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.95 | 15.37 | $434.76B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 210.42 | 19.06 | $331.89B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,018.38 | 15.73 | $300.43B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 86.45 | 13.36 | $264.55B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 4.67M | 5.95M | 5.79M | 6.45M | 6.66M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | 6.24M | 6.01M | 6.20M | 6.35M | 6.22M |
| Pretax Income | - | 372.00K | -1.49M | 1.32M | 1.35M | 1.49M |
| Tax Provision | - | 67.00K | -566.00K | 356.00K | 276.00K | 349.00K |
| Net Income | - | 305.00K | -920.00K | 962.00K | 1.07M | 1.15M |
| Diluted EPS | 0.04 | 0.03 | - | - | 0.12 | 0.13 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|
| Revenue | 18.66M | 15.84M | 19.31M |
| Cost of Revenue | - | - | - |
| Gross Profit | - | - | - |
| Operating Expenses | - | - | - |
| Operating Income | - | - | - |
| EBITDA | - | - | - |
| Interest Expense | 7.12M | 20.49M | 25.19M |
| Pretax Income | 5.62M | 754.00K | -1.53M |
| Tax Provision | 1.46M | -32.00K | -656.00K |
| Net Income | 4.16M | 786.00K | -874.00K |
| Diluted EPS | 0.44 | 0.08 | -0.10 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|
| Total Assets | 750.63M | 852.97M | 949.38M |
| Current Assets | - | - | - |
| Cash & Equivalents | 52.18M | 44.11M | 55.24M |
| Inventory | - | - | - |
| Receivables | 2.26M | 3.17M | 3.33M |
| Total Liabilities | 673.59M | 772.68M | 834.03M |
| Current Liabilities | - | - | - |
| Long Term Debt | 69.00M | 129.47M | 147.00M |
| Total Debt | 91.70M | 129.47M | 147.00M |
| Total Equity | 77.05M | 80.29M | 115.35M |
| Shares Outstanding | 9.45M | 9.45M | 9.30M |
Cash Flows (Annual)
Figures in USD.
| Metric | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|
| Operating Cash Flow | 437.00K | 231.00K | 2.46M |
| Investing Cash Flow | -121.75M | -105.18M | -86.73M |
| Financing Cash Flow | 110.31M | 96.89M | 95.39M |
| Capital Expenditure | - | -1.32M | -284.00K |
| Free Cash Flow | 437.00K | -1.09M | 2.18M |
| Net Change in Cash | -11.00M | -8.06M | 11.13M |
Ratios (Annual)
Figures in %.
| Metric | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|
| Gross Margin % | - | - | - |
| Operating Margin % | - | - | - |
| Net Margin % | 22.3% | 5.0% | -4.5% |
| ROE % | 5.4% | 1.0% | -0.8% |
| ROCE % | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Mangrove Partners IM, LLC | 2.00% | 186.20K | $2.42M |
| 2 | Vanguard Capital Management LLC | 1.95% | 181.51K | $2.36M |
| 3 | Northstar Financial Companies, Inc. | 0.75% | 70.00K | $910.00K |
| 4 | Integrated Wealth Concepts LLC | 0.61% | 57.00K | $741.00K |
| 5 | Oppenheimer & Close, LLC | 0.54% | 50.00K | $650.00K |
| 6 | Renaissance Technologies, LLC | 0.33% | 31.00K | $403.00K |
| 7 | Alliancebernstein L.P. | 0.27% | 24.66K | $320.53K |
| 8 | M3F, Inc. | 0.26% | 24.59K | $319.62K |
| 9 | Vanguard Fiduciary Trust Co | 0.24% | 22.56K | $293.31K |
| 10 | Raymond James Financial, Inc. | 0.22% | 20.00K | $260.00K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for WSBK
WSBK — Frequently Asked Questions
What is the current share price of Winchester Bancorp, Inc. (WSBK)?
As of 2026-08-02 19:16 PDT, Winchester Bancorp, Inc. (WSBK) trades at $13.00 on NasdaqCM. Its 52-week range is $9.20 to $13.26.
What is the market capitalisation of WSBK?
Winchester Bancorp, Inc. (WSBK) has a market capitalisation of $116.49M on NasdaqCM.
What is the P/E ratio of WSBK?
WSBK trades at a trailing price-to-earnings (P/E) ratio of 26.53. The industry average P/E is 13.68. Its price-to-book (P/B) ratio is 1.01.
What is the return on equity (ROE) of WSBK?
WSBK has a return on equity (ROE) of 3.75%.
Is WSBK a good stock to buy?
This page provides a data-driven analysis of Winchester Bancorp, Inc. (WSBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.