WSBK

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Winchester Bancorp, Inc.

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Key Metrics

Previous Close: $12.98
52-Week Range: $9.30 – $13.39
Market Cap: $116.40M
P/E (TTM): 26.51
EPS (TTM): 0.49
Dividend Yield: —

Advanced Metrics

Price/Book: 1.01
PEG Ratio: —
Return on Equity: 3.75%
Return on Assets: 0.43%
Gross Margin: 0.00%
Operating Margin: 24.96%
Profit Margin: 17.36%
Current Ratio: —
Debt/Equity: —
Total Debt: $158.16M
Free Cash Flow: —
Revenue Growth: 32.20%
Earnings Growth: —
Enterprise Value: $218.76M

WSBK Income statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Revenue	$18.66M	$15.84M	$19.31M
Selling, General & Admin	$12.80M	$12.24M	$15.83M
Pretax Income	$5.62M	$754.00K	-$1.53M
Income Tax	$1.46M	-$32.00K	-$656.00K
Net Income	$4.16M	$786.00K	-$874.00K
Diluted EPS	0.44	0.08	-0.10
Diluted Shares	9.45M	9.45M	8.82M

WSBK Balance Sheet statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Cash & Equivalents	$52.18M	$44.11M	$55.24M
Receivables	$2.26M	$3.17M	$3.33M
Total Assets	$750.63M	$852.97M	$949.38M
Long-Term Debt	$69.00M	$129.47M	$147.00M
Total Debt	$91.70M	$129.47M	$147.00M
Total Liabilities	$673.59M	$772.68M	$834.03M
Retained Earnings	$80.30M	$82.09M	$80.72M
Shareholders' Equity	$77.05M	$80.29M	$115.35M
Net Debt	$39.52M	$85.36M	$91.76M

WSBK Cash Flow statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Operating Cash Flow	$437.00K	$231.00K	$2.46M
Capital Expenditure	—	-$1.32M	-$284.00K
Free Cash Flow	$437.00K	-$1.09M	$2.18M
Depreciation & Amortisation	$640.00K	$750.00K	$847.00K
Investing Cash Flow	-$121.75M	-$105.18M	-$86.73M
Financing Cash Flow	$110.31M	$96.89M	$95.39M
Share Repurchases	—	$0.00	-$3.35M
Net Change in Cash	-$11.00M	-$8.06M	$11.13M

WSBK Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$4.67M	$5.95M	$5.79M	$6.45M	$6.66M
Selling, General & Admin	$3.56M	$6.01M	$3.99M	$3.81M	$3.90M
Pretax Income	$372.00K	-$1.49M	$1.32M	$1.35M	$1.49M
Income Tax	$67.00K	-$566.00K	$356.00K	$276.00K	$349.00K
Net Income	$305.00K	-$920.00K	$962.00K	$1.07M	$1.15M
Diluted EPS	0.03	—	—	0.12	0.13
Diluted Shares	8.96M	—	—	8.97M	8.97M

WSBK Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$66.62M	$55.24M	$57.72M	$54.78M	$53.95M
Receivables	$3.06M	$3.33M	$3.46M	$3.63M	$3.62M
Total Assets	$923.09M	$949.38M	$1.01B	$1.02B	$1.06B
Long-Term Debt	$131.00M	$147.00M	$164.00M	$143.60M	$146.88M
Total Debt	$131.00M	$147.00M	$164.00M	$143.60M	$146.88M
Total Liabilities	$842.18M	$834.03M	$888.22M	$897.72M	$937.96M
Retained Earnings	$82.14M	$80.72M	$81.68M	$82.76M	$83.90M
Shareholders' Equity	$80.91M	$115.35M	$116.99M	$118.25M	$119.14M
Net Debt	$64.38M	$91.76M	$106.28M	$88.81M	$92.93M

WSBK Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$848.00K	$1.89M	$1.36M	$1.55M	$1.36M
Capital Expenditure	-$122.00K	-$25.00K	—	—	—
Free Cash Flow	$726.00K	$1.87M	$1.36M	$1.50M	$1.36M
Depreciation & Amortisation	$206.00K	$220.00K	$223.00K	$321.00K	$213.00K
Investing Cash Flow	-$3.37M	-$39.22M	-$53.31M	-$14.02M	-$42.78M
Financing Cash Flow	$27.59M	$25.95M	$54.43M	$9.54M	$40.59M
Net Change in Cash	$25.07M	-$11.37M	$2.47M	-$2.93M	-$833.00K

Market Snapshot

About

Winchester Bancorp, Inc. is the holding company for Winchester Co-operative Bank, a Massachusetts-chartered stock savings bank providing traditional banking services to individuals and small businesses. The bank serves communities in the Merrimack Valley region of Massachusetts and southern New Hampshire.