8-K Announcements
6Material company update
Apr 29, 2026·SEC
Material company update
Jan 28, 2026·SEC
Material company update
Nov 13, 2025·SEC
Winchester Bancorp, Inc. Common Stock(WSBK)Earnings, Financials & Key Ratios
WSBK•NASDAQ•Banking & Credit
$12.87
Price updated Jun 25, 2026
AboutWinchester Bancorp, Inc. operates as the bank holding company for Winchester Savings Bank, offering a range of banking products and services in Massachusetts. The company provides various deposit accounts, including checking, savings, money market, and certificates of deposit. It also offers loans such as residential and commercial real estate loans, construction loans, home equity loans and lines of credit, commercial business loans, and consumer loans. Additionally, the company invests in securities.Show more
- Net Interest Income$18M+21.9%
- Total Revenue$45M+22.5%
- Net Income-$874K-211.2%
- Return on Equity-0.89%-189.4%
- Net Interest Margin1.85%+9.5%
- Efficiency Ratio42.19%+5.2%
- ROA-0.1%-199.0%
- Equity / Assets12.15%+29.1%
- Book Value per Share12.47+46.8%
WSBK Price & Volume
Winchester Bancorp, Inc. Common Stock (WSBK) stock price & volume — 10-year historical chart
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Asset Growth Outpaces Core Margin Expansion Potential
Investment Thesis • Updated 2026Q3
VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial:Healthy
Cash Flow:Improving
Primary Risk:Geographic and scale concentration
Key Thesis Takeaways
- Winchester Bancorp has successfully scaled its asset base to $1.1 billion as of 2026Q3, yet the institution continues to struggle with persistent net interest margin compression at 0.6%.
- While the bank has achieved a transition to positive net income of $1.1 million, the reliance on a $964.5 million securities portfolio introduces significant duration risk.
- Investors should monitor whether the bank can improve its operational efficiency, currently at 37.6%, to translate asset growth into sustainable shareholder returns.
Verdict Logic
while the bank has reached $1.1 million in quarterly net income, the current 0.6% net interest margin and reliance on securities-driven asset growth warrant a cautious wait-and-see approach.
WSBK Growth Metrics
Winchester Bancorp, Inc. Common Stock (WSBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years-
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM1368.18%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM1506.67%
Return on Capital
10 Years1.18%
5 Years1.18%
3 Years1.18%
Last Year-0.63%
WSBK Recent Earnings
Winchester Bancorp, Inc. Common Stock (WSBK) EPS & revenue vs analyst estimates — last 2 quarters
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.13
—
Rev
$13M
—
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.12
—
Rev
$13M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.13 | $13M |
| Q1 2026 | Jan 28, 2026 | $0.12 | $13M |
Based on last 2 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Winchester Bancorp, Inc. Common Stock (WSBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $12.87 | $115.32M | -128.70 | 22.51% | -1.96% | -0.89% | — | |
| $22.82 | $220.08M | 15.63 | -9.41% | 16.49% | 8% | — | |
| $26.72 | $369.65M | 8.22 | -1.55% | 28.51% | 12.62% | — | |
| $24.29 | $172.88M | 13.80 | -1.44% | 12.96% | 7.98% | — | |
| $49.26 | $2.56B | 14.79 | 10.36% | 19.66% | 9.83% | — | |
| $33.29 | $1.67B | 22.49 | 13.44% | 13.35% | 6.32% | — |
Compare WSBK vs Peers
Winchester Bancorp, Inc. Common Stock (WSBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
WSBK SEC Filings & Documents
Winchester Bancorp, Inc. Common Stock (WSBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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WSBK Frequently Asked Questions
Winchester Bancorp, Inc. Common Stock (WSBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Winchester Bancorp, Inc. Common Stock growing?
Winchester Bancorp, Inc. Common Stock (WSBK) grew revenue by 22.5% over the past year. This is strong growth.
Is WSBK profitable?
Yes, Winchester Bancorp, Inc. Common Stock (WSBK) is profitable, generating $2.3M in net income for fiscal year 2025 (-2.0% net margin).
Dividend & Returns
What is WSBK's return on equity?
Winchester Bancorp, Inc. Common Stock (WSBK) has a return on equity (ROE) of -0.9%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Winchester Bancorp, Inc. Common Stock's net interest margin?
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.
What is Winchester Bancorp, Inc. Common Stock's efficiency ratio?
Winchester Bancorp, Inc. Common Stock (WSBK) has an efficiency ratio of 42.2%. This is excellent, indicating strong cost control.