| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| DCOMDime Community Bancshares, Inc. | 1.37B | 31.13 | 56.60 | 0.1% | 4.5% | 4.02% | 6.79% | 0.70 |
| EBCEastern Bankshares, Inc. | 4.4B | 19.56 | 29.64 | 91.64% | 11.17% | 1.3% | 6.14% | 0.01 |
| LYGLloyds Banking Group plc | 80.5B | 5.48 | 21.92 | 10.79% | 11.75% | 9.93% | 1.76 | |
| CFGCitizens Financial Group, Inc. | 26.03B | 60.61 | 20.00 | 1.31% | 12.22% | 6.6% | 7.22% | 0.51 |
| PFSProvident Financial Services, Inc. | 2.65B | 20.29 | 19.32 | 63.91% | 10.13% | 7.51% | 16.04% | 0.93 |
| CBUCommunity Bank System, Inc. | 3.3B | 62.73 | 18.24 | 24.44% | 19.4% | 10.34% | 6.71% | 0.57 |
| VLYValley National Bancorp | 6.7B | 12.02 | 17.42 | 6.51% | 10.65% | 6.53% | 8.18% | 0.50 |
| INDBIndependent Bank Corp. | 3.8B | 76.62 | 16.95 | 6.89% | 19.72% | 7.76% | 5.51% | 0.23 |
| Jun 2023 | Jun 2024 | Jun 2025 | |
|---|---|---|---|
| Net Interest Income | 17.75M | 14.37M | 17.52M |
| NII Growth % | - | -0.19% | 0.22% |
| Net Interest Margin % | - | - | - |
| Interest Income | 24.87M | 34.86M | 42.71M |
| Interest Expense | 7.12M | 20.49M | 25.19M |
| Loan Loss Provision | 1.4M | 514K | 2.07M |
| Non-Interest Income | 911K | 1.47M | 1.79M |
| Non-Interest Income % | - | - | - |
| Total Revenue | 25.78M | 36.33M | 44.51M |
| Revenue Growth % | - | 0.41% | 0.23% |
| Non-Interest Expense | 11.64M | 14.57M | 18.78M |
| Efficiency Ratio | - | - | - |
| Operating Income | 5.62M | 754K | -1.53M |
| Operating Margin % | - | - | - |
| Operating Income Growth % | - | -0.87% | -3.03% |
| Pretax Income | 5.62M | 754K | -1.53M |
| Pretax Margin % | - | - | - |
| Income Tax | 1.46M | -32K | -656K |
| Effective Tax Rate % | - | - | - |
| Net Income | 4.16M | 786K | -874K |
| Net Margin % | - | - | - |
| Net Income Growth % | - | -0.81% | -2.11% |
| Net Income (Continuing) | 4.16M | 786K | -874K |
| EPS (Diluted) | 0.44 | 0.08 | -0.09 |
| EPS Growth % | - | -0.81% | -2.08% |
| EPS (Basic) | 0.44 | 0.08 | -0.09 |
| Diluted Shares Outstanding | 9.45M | 9.45M | 9.25M |
| Jun 2023 | Jun 2024 | Jun 2025 | |
|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 52.18M | 44.11M | 55.24M |
| Short Term Investments | 1000K | 1000K | 1000K |
| Total Investments | 669.78M | 773.12M | 855.73M |
| Investments Growth % | - | 0.15% | 0.11% |
| Long-Term Investments | 642.81M | 742.03M | 830.47M |
| Accounts Receivables | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - |
| Goodwill | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 |
| PP&E (Net) | 6.1M | 6.98M | 6.42M |
| Other Assets | 19.65M | 28.01M | -830.47M |
| Total Current Assets | 81.41M | 78.37M | 58.14M |
| Total Non-Current Assets | 669.23M | 774.6M | 7.63M |
| Total Assets | 750.63M | 852.97M | 949.38M |
| Asset Growth % | - | 0.14% | 0.11% |
| Return on Assets (ROA) | 0.01% | 0% | -0% |
| Accounts Payable | 0 | 0 | 0 |
| Total Debt | 91.7M | 129.47M | 147M |
| Net Debt | 39.52M | 85.36M | 91.76M |
| Long-Term Debt | 69M | 129.47M | 147M |
| Short-Term Debt | 22.7M | 0 | 0 |
| Other Liabilities | 3.97M | 6.11M | 6.09M |
| Total Current Liabilities | 600.62M | 637.03M | 680.94M |
| Total Non-Current Liabilities | 72.97M | 135.65M | 153.09M |
| Total Liabilities | 673.59M | 772.68M | 834.03M |
| Total Equity | 77.05M | 80.29M | 115.35M |
| Equity Growth % | - | 0.04% | 0.44% |
| Equity / Assets (Capital Ratio) | - | - | - |
| Return on Equity (ROE) | 0.05% | 0.01% | -0.01% |
| Book Value per Share | 8.16 | 8.50 | 12.47 |
| Tangible BV per Share | - | - | - |
| Common Stock | 0 | 0 | 93K |
| Additional Paid-in Capital | 0 | 0 | 39.57M |
| Retained Earnings | 80.3M | 0 | 80.72M |
| Accumulated OCI | -3.26M | 80.29M | -1.69M |
| Treasury Stock | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 |
| Jun 2023 | Jun 2024 | Jun 2025 | |
|---|---|---|---|
| Cash from Operations | 437K | 231K | 2.46M |
| Operating CF Growth % | - | -0.47% | 9.67% |
| Net Income | 4.16M | 786K | -874K |
| Depreciation & Amortization | 640K | 750K | 360K |
| Deferred Taxes | -530K | -160K | -1.24M |
| Other Non-Cash Items | -1.48M | -167K | 3.85M |
| Working Capital Changes | -2.36M | -978K | 375K |
| Cash from Investing | -121.75M | -105.18M | -86.73M |
| Purchase of Investments | -8.88M | -26.48M | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 0 |
| Net Investment Activity | - | - | - |
| Acquisitions | 0 | 0 | 0 |
| Other Investing | -129.28M | -89.16M | -86.73M |
| Cash from Financing | 110.31M | 96.89M | 95.39M |
| Dividends Paid | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | -3.35M |
| Stock Issued | 0 | 0 | 37.8M |
| Net Stock Activity | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | 1000K |
| Other Financing | 26.61M | 59.12M | 43.4M |
| Net Change in Cash | -11M | -8.06M | 11.13M |
| Exchange Rate Effect | 0 | 0 | 0 |
| Cash at Beginning | 63.18M | 52.18M | 44.11M |
| Cash at End | 52.18M | 44.11M | 55.24M |
| Interest Paid | 6.59M | 20.16M | 0 |
| Income Taxes Paid | 2.5M | 0 | 0 |
| Free Cash Flow | 4.74M | -1.09M | 2.18M |
| FCF Growth % | - | -1.23% | 3.01% |
| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| Return on Equity (ROE) | 5.4% | 1% | -0.89% |
| Return on Assets (ROA) | 0.55% | 0.1% | -0.1% |
| Net Interest Margin | 2.36% | 1.69% | 1.85% |
| Efficiency Ratio | 45.15% | 40.11% | 42.19% |
| Equity / Assets | 10.26% | 9.41% | 12.15% |
| Book Value / Share | 8.16 | 8.5 | 12.47 |
| NII Growth | - | -19.02% | 21.9% |
Winchester Bancorp, Inc. Common Stock (WSBK) grew revenue by 22.5% over the past year. This is strong growth.
Yes, Winchester Bancorp, Inc. Common Stock (WSBK) is profitable, generating $0.7M in net income for fiscal year 2025 (-2.0% net margin).
Winchester Bancorp, Inc. Common Stock (WSBK) has a return on equity (ROE) of -0.9%. Negative ROE indicates the company is unprofitable.
Winchester Bancorp, Inc. Common Stock (WSBK) has a net interest margin (NIM) of 1.8%. NIM has been under pressure due to interest rate environment.
Winchester Bancorp, Inc. Common Stock (WSBK) has an efficiency ratio of 42.2%. This is excellent, indicating strong cost control.