Latest Ratios: P/E Ratio -131.9x · EV/EBITDA N/A · ROE -0.9%. (2023–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Market Cap | $118M | $83M | — | — |
| Enterprise Value | $210M | $175M | — | — |
| P/E Ratio → | -131.90 | — | — | — |
| P/S Ratio | 2.66 | 1.86 | — | — |
| P/B Ratio | 1.06 | 0.72 | — | — |
| P/FCF | 54.19 | 37.95 | — | — |
| P/OCF | 47.95 | 33.58 | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| EV / Revenue | — | 3.92 | — | — |
| EV / EBITDA | — | — | — | — |
| EV / EBIT | — | — | — | — |
| EV / FCF | — | 80.02 | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Gross Margin | 38.8% | 38.8% | 42.2% | 67.0% |
| Operating Margin | -3.4% | -3.4% | 2.1% | 21.8% |
| Net Profit Margin | -2.0% | -2.0% | 2.2% | 16.1% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| ROE | -0.9% | -0.9% | 1.0% | 5.4% |
| ROA | -0.1% | -0.1% | 0.1% | 0.6% |
| ROIC | -0.5% | -0.5% | 0.3% | 2.5% |
| ROCE | -0.6% | -0.6% | 0.4% | 3.7% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Debt / Equity | 1.27 | 1.27 | 1.61 | 1.19 |
| Debt / EBITDA | — | — | 86.08 | 14.64 |
| Net Debt / Equity | — | 0.80 | 1.06 | 0.51 |
| Net Debt / EBITDA | — | — | 56.75 | 6.31 |
| Debt / FCF | — | 42.07 | — | 8.35 |
| Interest Coverage | -0.06 | -0.06 | 0.04 | 0.79 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Current Ratio | 0.09 | 0.09 | 0.12 | 0.14 |
| Quick Ratio | 0.09 | 0.09 | 0.12 | 0.14 |
| Cash Ratio | 0.08 | 0.08 | 0.07 | 0.09 |
| Asset Turnover | — | 0.05 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — |
| Days Sales Outstanding | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Dividend Yield | — | — | — | — |
| Payout Ratio | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Earnings Yield | — | — | — | — |
| FCF Yield | 1.8% | 2.6% | — | — |
| Buyback Yield | 2.8% | 4.0% | — | — |
| Total Shareholder Yield | 2.8% | 4.0% | — | — |
| Shares Outstanding | — | $9M | $9M | $9M |
Geographic and scale concentration
Based on recent market data, Winchester Bancorp trades at a price-to-tangible-book-value of 1.05, which suggests that investors are currently pricing the bank as a commodity balance sheet rather than a premium franchise, given the persistent lack of meaningful return on tangible equity.
The current valuation multiple indicates that the market is waiting for evidence of operational leverage before assigning a premium. Investors should monitor whether the bank can deploy its excess cash into higher-yielding assets to justify a valuation expansion toward peer levels.
As reported in quarterly financial statements, the bank's return on equity remains suppressed at 1.0% as of 2026Q3, primarily driven by a thin net interest margin of 0.6% and an inability to leverage the balance sheet effectively to generate sustainable non-interest income.
The decomposition of profitability suggests that the bank's reliance on a conservative, low-yield asset mix is the primary constraint on ROE. Without a shift toward higher-margin commercial lending, the bank may continue to struggle with profitability despite its recent revenue growth.
According to the latest regulatory filings, the efficiency ratio reached 37.6% in 2026Q3, indicating that the bank's fixed-cost structure remains a significant hurdle to achieving positive operating margins in the current interest rate environment.
The persistent pressure on the efficiency ratio suggests that the bank has not yet achieved the necessary scale to absorb its administrative overhead. Investors should monitor whether management can implement technological efficiencies to lower this ratio and improve the bottom line.
Based on the provided balance sheet data, the bank maintains an equity-to-assets ratio of 0.11, which appears to be a healthy capital position that provides a stable foundation for future asset growth or potential capital return initiatives.
This capital adequacy level suggests that the bank is well-positioned to absorb potential credit shocks within its concentrated Massachusetts portfolio. However, the current high cash-to-revenue ratio implies that this capital is currently underutilized and acting as a drag on overall returns.
As indicated by the TTM P/E of -131.40, the price-to-earnings ratio is a fundamentally flawed metric for Winchester Bancorp, as it obscures the bank's underlying asset value and potential for earnings inflection through the deployment of its significant cash reserves.
Investors should prioritize price-to-tangible-book-value over P/E, as the latter is distorted by the bank's current lack of profitability and the volatility of its provision for credit losses. Relying on P/E in this context may lead to an inaccurate assessment of the bank's intrinsic value.
Includes 30+ ratios · 3 years · Updated daily
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Quick answers to the most common questions about buying WSBK stock.
Winchester Bancorp, Inc. Common Stock's current P/E ratio is -131.9x. This places it at the 50th percentile of its historical range.
Winchester Bancorp, Inc. Common Stock's return on equity (ROE) is -0.9%. The historical average is 1.8%.
Based on historical data, Winchester Bancorp, Inc. Common Stock is trading at a P/E of -131.9x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Winchester Bancorp, Inc. Common Stock has 38.8% gross margin and -3.4% operating margin.