Symbols / WSBK Stock $12.79 -0.39% Winchester Bancorp, Inc.

Financial Services • Banks - Regional • United States • NCM
WSBK (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. John A. Carroll
Exch · Country NCM · United States
Market Cap 114.61M
Enterprise Value 207.70M
Income 1.42M
Sales 22.13M
FCF (ttm) —
Book/sh 12.72
Cash/sh 5.89
Employees 71
Insider 10d —
IPO May 02, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 49.19
Forward P/E —
PEG —
P/S 5.18
P/B 1.01
P/C —
EV/EBITDA —
EV/Sales 9.38
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.26
EPS next Y —
EPS Growth —
Revenue Growth 44.90%
EPS Gr Q/Q 187.90%
Rev Gr Q/Q —
Earnings (next) —
Earnings (prior) —
ROA 0.15%
ROE 1.43%
ROIC —
Gross Margin 0.00%
Oper. Margin 24.93%
Profit Margin 6.42%
Shs Outstand 8.96M
Shs Float 3.79M
Insider Own 59.18%
Instit Own 7.77%
Short Float 0.68%
Short Ratio 5.25
Short Interest 23.50K
52W High 13.38
vs 52W High -4.45%
52W Low 8.76
vs 52W Low 46.00%
Beta —
Impl. Vol. —
Rel Volume 1.07
Avg Volume 9.76K
Volume 10.47K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $12.84
Price $12.79
Change -0.39%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$12.79
Latest analyst target
3. DCF / Fair value
$3.90
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$12.79
Low
—
High
—
Mean
—
News
RSS: Latest WSBK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-06-10 HOOD WILLIAM PRESTON Director — 1,050 $9.21 $9,670
2025-05-14 HOOD WILLIAM PRESTON Director — 5,000 $9.58 $47,926
2025-05-08 HOOD WILLIAM PRESTON Director — 20,000 $9.60 $193,208
2025-05-05 CARROLL JOHN A Chief Executive Officer — 25,000 $9.60 $244,155
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-06-30 2024-06-30 2023-06-30
Total Revenue
19.31
+21.94%
15.84
-15.12%
18.66
Operating Revenue
19.31
+21.94%
15.84
-15.12%
18.66
Selling General And Administration
15.83
+29.33%
12.24
-4.39%
12.80
Selling And Marketing Expense
0.46
+22.87%
0.38
-6.93%
0.40
General And Administrative Expense
15.37
+29.53%
11.87
-4.31%
12.40
Salaries And Wages
9.62
+8.88%
8.83
-9.56%
9.76
Other Gand A
4.91
+91.49%
2.56
+8.93%
2.35
Reconciled Depreciation
0.85
+12.93%
0.75
+17.19%
0.64
Total Unusual Items
0.00
-100.00%
0.31
-90.57%
3.33
Total Unusual Items Excluding Goodwill
0.00
-100.00%
0.31
-90.57%
3.33
Special Income Charges
0.00
-100.00%
0.31
-90.57%
3.33
Other Special Charges
—
-0.31
+90.57%
-3.33
Net Income
-0.87
-211.20%
0.79
-81.11%
4.16
Pretax Income
-1.53
-302.92%
0.75
-86.59%
5.62
Net Interest Income
17.52
+21.90%
14.37
-19.02%
17.75
Interest Expense
25.19
+22.95%
20.49
+187.69%
7.12
Interest Income
42.71
+22.52%
34.86
+40.18%
24.87
Gain On Sale Of Security
0.37
+8.41%
0.34
+650.00%
0.05
Tax Provision
-0.66
-1950.00%
-0.03
-102.19%
1.46
Tax Rate For Calcs
0.00
+0.00%
0.00
-19.23%
0.00
Tax Effect Of Unusual Items
0.00
-100.00%
0.07
-92.38%
0.87
Net Income Including Noncontrolling Interests
-0.87
-211.20%
0.79
-81.11%
4.16
Net Income From Continuing Operation Net Minority Interest
-0.87
-211.20%
0.79
-81.11%
4.16
Net Income From Continuing And Discontinued Operation
-0.87
-211.20%
0.79
-81.11%
4.16
Net Income Continuous Operations
-0.87
-211.20%
0.79
-81.11%
4.16
Normalized Income
-0.87
-262.47%
0.54
-68.28%
1.70
Net Income Common Stockholders
-0.87
-211.20%
0.79
-81.11%
4.16
Diluted EPS
-0.10
-220.18%
0.08
-81.11%
0.44
Basic EPS
-0.10
-220.18%
0.08
-81.11%
0.44
Basic Average Shares
8.82
-6.66%
9.45
+0.00%
9.45
Diluted Average Shares
8.82
-6.66%
9.45
+0.00%
9.45
Diluted NI Availto Com Stockholders
-0.87
-211.20%
0.79
-81.11%
4.16
Insurance And Claims
0.85
+79.66%
0.47
+66.78%
0.28
Occupancy And Equipment
1.58
+4.36%
1.51
+25.66%
1.20
Other Non Interest Expense
1.37
+20.95%
1.13
+17.32%
0.96
Line Item Trend 2025-06-30
Total Assets
949.38
Cash And Cash Equivalents
55.24
Cash Financial
7.51
Other Short Term Investments
25.26
Receivables
3.33
Accounts Receivable
3.33
Net PPE
6.42
Gross PPE
14.74
Accumulated Depreciation
-8.33
Land And Improvements
0.83
Buildings And Improvements
7.38
Machinery Furniture Equipment
3.76
Leases
2.78
Investments And Advances
104.51
Total Liabilities Net Minority Interest
834.03
Current Debt And Capital Lease Obligation
0.00
Current Debt
0.00
Other Current Borrowings
0.00
Long Term Debt And Capital Lease Obligation
147.00
Long Term Debt
147.00
Non Current Deferred Liabilities
—
Non Current Deferred Taxes Liabilities
—
Stockholders Equity
115.35
Common Stock Equity
115.35
Capital Stock
0.09
Common Stock
0.09
Preferred Stock
0.00
Share Issued
9.30
Ordinary Shares Number
8.96
Treasury Shares Number
0.33
Additional Paid In Capital
39.57
Retained Earnings
80.72
Gains Losses Not Affecting Retained Earnings
-1.69
Other Equity Adjustments
-1.69
Total Equity Gross Minority Interest
115.35
Total Capitalization
262.35
Invested Capital
262.35
Total Debt
147.00
Net Debt
91.76
Net Tangible Assets
115.35
Tangible Book Value
115.35
Available For Sale Securities
24.54
Cash Cash Equivalents And Federal Funds Sold
55.24
Held To Maturity Securities
54.71
Other Equity Interest
-3.35
Line Item Trend 2025-06-30 2024-06-30 2023-06-30
Operating Cash Flow
2.46
+967.10%
0.23
-47.14%
0.44
Cash Flow From Continuing Operating Activities
2.46
+967.10%
0.23
-47.14%
0.44
Net Income From Continuing Operations
-0.87
-211.20%
0.79
-81.11%
4.16
Depreciation Amortization Depletion
0.85
+12.93%
0.75
+17.19%
0.64
Depreciation
—
0.75
+17.19%
0.64
Depreciation And Amortization
0.85
+12.93%
0.75
+17.19%
0.64
Other Non Cash Items
1.39
+542.22%
-0.32
-117.24%
-0.14
Deferred Tax
-1.24
-681.13%
-0.16
+70.00%
-0.53
Deferred Income Tax
-1.24
-681.13%
-0.16
+70.00%
-0.53
Operating Gains Losses
-0.37
+43.25%
-0.66
+80.48%
-3.38
Gain Loss On Investment Securities
-0.37
-8.41%
-0.34
-650.00%
-0.05
Gain Loss On Sale Of PPE
0.00
+100.00%
-0.31
+90.57%
-3.33
Change In Working Capital
0.38
+138.30%
-0.98
+58.45%
-2.36
Change In Receivables
-0.16
+82.14%
-0.91
-49.42%
-0.61
Changes In Account Receivables
-0.16
+82.14%
-0.91
-49.42%
-0.61
Change In Payables And Accrued Expense
-1.01
-129.87%
3.37
-1.38%
3.42
Change In Accrued Expense
-1.01
-129.87%
3.37
-1.38%
3.42
Change In Other Current Assets
1.54
+144.85%
-3.44
+33.38%
-5.16
Investing Cash Flow
-86.73
+17.54%
-105.18
+13.61%
-121.75
Cash Flow From Continuing Investing Activities
-86.73
+17.54%
-105.18
+13.61%
-121.75
Net PPE Purchase And Sale
-0.28
+78.44%
-1.32
-130.64%
4.30
Purchase Of PPE
-0.28
+78.44%
-1.32
—
Capital Expenditure
-0.28
+78.44%
-1.32
—
Net Investment Purchase And Sale
-14.68
+0.15%
-14.70
-555.00%
3.23
Purchase Of Investment
-46.11
-74.10%
-26.48
-198.27%
-8.88
Sale Of Investment
31.43
+166.75%
11.78
-2.71%
12.11
Net Other Investing Changes
-0.52
+91.10%
-5.79
+37.50%
-9.26
Financing Cash Flow
95.39
-1.54%
96.89
-12.17%
110.31
Cash Flow From Continuing Financing Activities
95.39
-1.54%
96.89
-12.17%
110.31
Net Issuance Payments Of Debt
17.53
-53.58%
37.77
-54.88%
83.70
Issuance Of Debt
17.00
-91.05%
190.00
+69.64%
112.00
Repayment Of Debt
-13.00
+91.28%
-149.00
-210.42%
-48.00
Long Term Debt Issuance
17.00
-91.05%
190.00
+69.64%
112.00
Long Term Debt Payments
-13.00
+91.28%
-149.00
-210.42%
-48.00
Net Long Term Debt Issuance
4.00
-90.24%
41.00
-35.94%
64.00
Net Short Term Debt Issuance
13.53
+518.66%
-3.23
-116.41%
19.70
Net Common Stock Issuance
34.46
0.00
—
Common Stock Payments
-3.35
0.00
—
Repurchase Of Capital Stock
-3.35
0.00
—
Net Other Financing Charges
-0.39
-559.52%
0.08
+295.35%
-0.04
Changes In Cash
11.13
+238.02%
-8.06
+26.70%
-11.00
Beginning Cash Position
44.11
-15.45%
52.18
-17.41%
63.18
End Cash Position
55.24
+25.23%
44.11
-15.45%
52.18
Free Cash Flow
2.18
+300.83%
-1.09
-348.51%
0.44
Interest Paid Supplemental Data
25.58
+26.86%
20.16
+206.07%
6.59
Income Tax Paid Supplemental Data
—
—
2.50
Amortization Of Securities
0.36
-12.20%
0.41
-22.05%
0.53
Common Stock Issuance
37.80
0.00
—
Issuance Of Capital Stock
37.80
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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