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WSBK

Winchester Bancorp, Inc. Common Stock

WSBK

Winchester Bancorp, Inc. Common Stock • NASDAQ
$9.61 ▲ 0.52% (+0.05)
Market Cap $89.33 M
52w High $10.10
52w Low $8.76
Dividend Yield 0%
P/E 106.78
Volume 3.26K
Outstanding Shares 9.30M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q1-2026 $11.937M ▼ $11.937M ▲ $962K ▲ 8.059% ▲ $0.11 ▲ $7.535M ▲
Q4-2025 $11.965M ▲ $6.753M ▲ $-920K ▼ -7.689% ▼ $-0.095 ▼ $-1.266M ▼
Q3-2025 $10.912M ▲ $4.321M ▲ $305K ▼ 2.795% ▼ $0.032 ▼ $578K ▼
Q2-2025 $10.895M ▲ $3.767M ▼ $373K ▲ 3.424% ▲ $0.04 ▲ $626K ▲
Q1-2025 $10.732M $3.937M $-632K -5.889% $-0.067 $-621K

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q1-2026 $56.385M ▼ $1.005B ▲ $888.22M ▲ $116.992M ▲
Q4-2025 $80.507M ▼ $949.378M ▲ $834.026M ▼ $115.352M ▲
Q3-2025 $101.603M ▲ $923.092M ▲ $842.178M ▲ $80.914M ▲
Q2-2025 $74.501M ▲ $894.086M ▲ $813.761M ▲ $80.325M ▲
Q1-2025 $65.771M $872.853M $792.62M $80.233M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q1-2026 $962K ▲ $1.357M ▼ $-53.312M ▼ $54.428M ▲ $2.473M ▲ $1.357M ▼
Q4-2025 $-920K ▼ $1.894M ▲ $-39.217M ▼ $25.95M ▼ $-11.373M ▼ $1.869M ▲
Q3-2025 $305K ▼ $848K ▲ $-3.371M ▲ $27.592M ▲ $25.069M ▲ $726K ▲
Q2-2025 $373K ▲ $57K ▲ $-17.075M ▲ $21.351M ▲ $4.333M ▲ $-20K ▲
Q1-2025 $-632K $-334K $-27.065M $20.5M $-6.899M $-394K

Five-Year Company Overview

Income Statement

Income Statement Winchester Bancorp looks like a steady but low‑growth community bank with earnings under some recent pressure. Revenue has inched up over the last few years, but profits have not kept pace, and the most recent year shows a small loss per share after prior years of modest profitability. That suggests higher costs, funding pressures, or IPO‑related expenses eating into what is otherwise a fairly stable underlying business. Overall, this is a bank with a small but consistent revenue base, relatively flat operating performance, and earnings that can swing from year to year rather than showing a smooth upward path.

Balance Sheet

Balance Sheet The balance sheet shows a gradually growing bank that is adding assets and capital while also leaning somewhat more on debt. Total assets and equity have both stepped up over time, which points to growth and retained strength. Debt levels have risen as well, which is normal for a bank that’s expanding its loan book and deposit base, but it does mean leverage is creeping higher and needs to be monitored. Cash is a modest slice of total assets, typical for a community bank that places much of its funding into loans and securities rather than holding large idle balances.

Cash Flow

Cash Flow The available data on cash flow is very limited, so it is hard to draw firm conclusions. With no detail on cash from operations, investment, or capital spending, investors have to rely more on the income statement and balance sheet to infer health. For a bank, the real economic “cash flow” runs through changes in deposits, loans, and securities rather than traditional capital expenditure, so the lack of standard cash‑flow figures is not unusual but it does reduce transparency. In short, cash generation and usage patterns are not clearly disclosed here.

Competitive Edge

Competitive Edge Winchester Bancorp competes as a classic community bank with deep local roots rather than as a national or high‑tech player. Its main advantages are long‑standing relationships in its Massachusetts markets, a reputation built over many decades, and a strong emphasis on personal service for individuals, small businesses, and municipalities. Full deposit insurance coverage, including supplemental protection beyond standard federal limits, is a meaningful trust builder for larger depositors. The mutual holding company structure also helps keep the bank focused on long‑term community interests. Against large regional and national banks, it relies on intimacy, flexibility, and stability rather than price or scale to defend its niche.

Innovation and R&D

Innovation and R&D While it does not run formal research labs, Winchester Bancorp has been active in upgrading its technology and processes. It has rolled out modern online and mobile banking, supports digital wallets, and integrates with common financial software, which helps meet mainstream customer expectations. Partnerships with specialized tech providers have strengthened its core systems, cybersecurity, and website experience, and the AI‑enabled platform for SBA lending stands out as a more advanced, efficiency‑focused initiative for a bank of its size. Overall, its innovation strategy is practical and partnership‑driven: it adopts proven tools to enhance service and efficiency rather than trying to build cutting‑edge technology in‑house.

Summary

Winchester Bancorp is a traditional, community‑oriented bank that has recently entered the public markets with a profile of modest growth, stable but thin profitability, and a conservative, relationship‑driven business model. Financially, it shows gradual balance sheet expansion, but earnings have softened recently and can be volatile, reflecting the realities of a small regional bank in a changing rate and regulatory environment. Strategically, its edge comes from long community presence, strong local ties, and full deposit insurance, which build trust and loyalty. Technologically, it is a fast follower: adopting modern digital banking and targeted AI tools through partners rather than pioneering new platforms itself. The key questions going forward are whether it can translate its community strengths and tech upgrades into more durable, consistent earnings while maintaining its local focus and conservative culture.

NEWS

October 22, 2025 · 4:05 PM UTC

Winchester Bancorp, Inc. Announces Results for the Quarter Ended September 30, 2025

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