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Winchester Bancorp, Inc. (WSBK) stock

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NASDAQ: WSBK Nasdaq Regional Banks Next results ~January 27, 2027

Winchester Bancorp, Inc. is a US-listed company in the regional banks industry. Its financial year ends in June.

Stock price today

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Third-party market data · may be delayed

Model estimate per share

~$6.6

Valuation models combined (4)

Base case. Range ~$3.3–$11. Weighted average of 4 models (residual income, price-to-book vs return on equity (peers), price-to-book vs peers, price-to-earnings vs peers), the residual income counting double.

Price vs value

No Buy/Hold/Sell rating is issued: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Winchester Bancorp, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders4 buying, 0 selling6 purchases and 0 sales by directors and officers, last 12 monthsInsider trades
  • Funds10 adding, 6 cuttingOf 2 active managers that changed their stake, 1 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Winchester Bancorp files

10-K filed September 16: Winchester Bancorp

Winchester Bancorp reported revenue of $26m for the twelve months to June 2026. Combining our valuation models produces a fair value estimate of $6.46 a share, far below the current price of $13.34. That gap between model output and market price is wide, pointing to a notable premium in how the stock trades relative to our estimate. Such a divergence is worth flagging, since it underscores the distance between where the market has priced the shares and what our blended approach suggests they are worth. For now, the figures stand as reported, with the share price running well ahead of the valuation models' combined output.

Source: 10-K filed September 16, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where Winchester Bancorp stands after its latest 10-K

Revenue for the twelve months to June 2026 was $26m.

10-K on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 27, 2027 (estimated)

Winchester Bancorp, Inc.'s trailing-twelve-month revenue grew 36.0% year on year, with a free-cash-flow margin of 16.9%.

Current signal Net margin expanding: TTM net margin reached 16.8%, up 21.4pp year over year.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Fast growth. Revenue grew 36.0% over the last 12 months.
  • Net cash. Cash exceeds long-term debt by $0.1bn.

Things to watch

No figure in Winchester Bancorp, Inc.'s latest results trips our warning thresholds.

Latest results: FY2026 Q4

Filed September 16, 2026
Revenue
$7m, up 23.6% on a year earlier
Share reaction
0.0% in the first session after the results on October 28, 2026, against 0.0% for the S&P 500

Winchester Bancorp's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+0.7%
  • 1 week+0.3%
  • 1 month+4.1%
  • This year+28.6%
  • 1 year+40.0%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$26.3M
Net margin
16.8%
EPS (TTM, diluted)
$0.49

Growth

Revenue growth
+36.0%

Earnings

Last results
October 28, 2026
Next results (est.)
January 27, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Announcement
  3. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Winchester Bancorp, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Valuation models

We value Winchester Bancorp, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.78 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$3.3 ~$1.8–$5.8 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: return on equity below long-run growth
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$11 ~$4.1–$18 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$10 ~$14–$20 Included
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. ~$4.6 ~$5.3–$7.1 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: pays no regular dividend
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$6.6 ~$3.3–$11 4 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Winchester Bancorp, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

No analyst estimates are published for Winchester Bancorp, Inc.: too few analysts cover it.

Positioning

Short interest
0.5%
of tradable shares
Days to cover
2.26
at average volume
Short interest, 1 month
+29%
to October 15, 2026
Held by institutions
8%
of shares
Held by insiders
59.3%
of shares
Employees
71
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Recent prices are available. Older price history and the statistics that need it are being loaded in the background.

Return and risk by year

Calendar year 2026 to date
Return
WSBK+29%
Industry peers (median)+24%
S&P 500+11%
Months that ended higher
WSBK55%
S&P 50046%
Largest fall from a high during the year
WSBK−8%
S&P 500−9%

Worst fall since May 2, 2025: 10% from May 5, 2025 to June 13, 2025. Getting back needed a 11% gain, reached on October 3, 2025, 112 days after the low.

Price behaviour

52-week range
$9.56 – $13.44
From 52-week high
0.0%
vs 50-day average
+3.5%
vs 200-day average
+5.0%
Volatility (1 year)
16%
Beta vs S&P 500
0.00

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
1 up, 5 down
typical move ±0.6%
After a week
2 up, 3 down
typical move ±2.7%
After a month
1 up, 4 down
typical move ±4.6%
Results releasedNext dayS&P 500 next day5 days21 days
October 28, 2026 0.0% 0.0% — —
July 30, 2026 0.0% +2.4% −0.1% −0.2%
April 29, 2026 −1.2% +1.0% −2.3% −1.9%
January 28, 2026 +2.2% −0.2% +8.5% +20.2%
October 22, 2025 0.0% +0.1% −1.2% −0.4%
July 30, 2025 −0.3% −0.5% +1.4% −0.4%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Fundamentals

Revenue (TTM) Winchester Bancorp, Inc.
$18M $20M $22M $24M $26M $28M FY25 Q4 FY26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 Revenue (TTM), FY25 Q4: $19.3M Revenue (TTM), FY26 Q1: $20.8M Revenue (TTM), FY26 Q2: $22.9M Revenue (TTM), FY26 Q3: $24.9M Revenue (TTM), FY26 Q4: $26.3M $26.3M

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue (TTM)
FY25 Q4 $19.3M
FY26 Q1 $20.8M
FY26 Q2 $22.9M
FY26 Q3 $24.9M
FY26 Q4 $26.3M
FCF margin (TTM) Winchester Bancorp, Inc.
5% 10% 15% 20% 25% FY25 Q4 FY26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FCF margin (TTM), FY25 Q4: 8.4% FCF margin (TTM), FY26 Q1: 15.8% FCF margin (TTM), FY26 Q2: 20.5% FCF margin (TTM), FY26 Q3: 20.8% FCF margin (TTM), FY26 Q4: 16.9% 16.9%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period FCF margin (TTM)
FY25 Q4 8.4%
FY26 Q1 15.8%
FY26 Q2 20.5%
FY26 Q3 20.8%
FY26 Q4 16.9%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2026, from the 10-K

What Winchester Bancorp earned on its loans and securities in FY2026, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $50.4M
  2. Fee and other income $1.3M · 4.8%
  3. Interest paid $25.4M
  4. Net interest income $25M · 95.2%
  5. Revenue $26.3M
  6. Non-interest expense $19.8M · 75.2%
  7. Credit-loss provisions $789,000 · 3.0%
  8. Pre-tax profit $5.7M · 21.8%
  9. Income tax $1.3M · 4.9%
  10. Net income $4.4M · 16.8%

Shares of revenue. Source: Winchester Bancorp's 10-K for FY2026, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2024 Jun 2024 2025 Jun 2025 2026 Jun 2026
Income
Revenue 16 19 26
Net income 1 −1 4
Diluted EPS — −$0.10 $0.49
Growth (year on year)
Revenue — +19.6% +36.0%
Net income — −211.2% —
Margins
Net margin 4.9% −4.5% 16.8%
Cash flow
Cash from operations 0 2 5
Balance sheet
Cash 44 55 60
Total debt 0 0 0
Net debt (negative = net cash) −44 −55 −60
Diluted shares — 9m 9m
Returned to shareholders
Buybacks — 3 0
Total returned — 3 0

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Competitors: side by side with peers

Closest by revenue in regional banks
Last 12 months unless stated WSBK HFBL BAFN SRBK AUBN BSBK Median
Revenue, last 12 months $26m $24m $33m $33m $34m $18m $255m
Revenue growth, last 12 months 36.0% 18.3% −64.7% 0.4% 9.2% 24.8% 12.6%
Revenue growth, 3-year average — 1.1% −24.0% — −0.8% −6.7% 6.0%
Revenue growth, latest quarter 23.6% 15.1% −88.5% −8.3% 7.8% 11.8% 10.8%
Net margin 16.8% 25.2% −182.3% 10.0% 24.5% 14.4% 28.7%
Cash from operations / revenue 20.6% 31.2% 443.1% 32.0% 33.9% 24.2% 34.3%
Free-cash-flow margin 16.9% 26.6% 442.7% 29.5% 27.6% 22.7% 31.4%
Free-cash-flow margin, 3-year average — 18.2% 434.7% 18.1% 30.0% 3.2% 29.9%
Stock pay / revenue — 0.8% 0.4% 6.4% 0.3% 5.0% 1.2%
Change in share count — −0.5% −0.5% −9.6% 0.0% −1.7% 0.4%

Median of all 246 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Who owns it

Funds buying and selling
Reported value
$10.3M
Institutions reporting
21
Shares held vs prior quarter
▲ 4.5%
Positions opened / closed
5 / 3

Top buyers and sellers, Q2 2026: 10 institutions bought and 6 sold ; the biggest buyer was Integrated Wealth Concepts LLC (+25K shares) and the biggest seller M3F, Inc (−25K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Mangrove Partners Im, LLC $2.4M 186K 23.8% 0.0%
Vanguard Capital Management LLC $2.4M 179K 22.8% ▼ 1.4%
Integrated Wealth Concepts LLC $1.1M 82K 10.5% ▲ 43.9%
Northstar Financial Companies, Inc. $919,800 70K 8.9% 0.0%
Oppenheimer & Close, LLC $657,000 50K 6.4% 0.0%
Renaissance Technologies LLC $412,596 31K 4.0% ▲ 1.3%
Geode Capital Management, LLC $381,809 29K 3.7% ▲ 108.6%
Alliancebernstein L.P. $313,131 25K 3.0% 0.0%
Vanguard Fiduciary Trust Co $298,383 23K 2.9% ▲ 0.6%
Raymond James Financial Inc $262,800 20K 2.6% 0.0%
Steward Partners Investment Advisory, LLC $251,329 19K 2.4% 0.0%
Eagleclaw Capital Managment, LLC $210,240 16K 2.0% 0.0%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Winchester Bancorp, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $145,332 6 trades by 4 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $145,332 net buying
Insider Date Trade Shares Price Value
Merritt Edward J Director May 26, 2026 Buy 915 $12.76 $11,675
Carroll John A President & CEO May 21, 2026 Buy 50 $12.75 $638
Snow John Ingalls Iii Director May 7, 2026 Buy 200 $12.77 $2,554
Snow John Ingalls Iii Director May 7, 2026 Buy 1,525 $12.79 $19,505
Snow John Ingalls Iii Director May 5, 2026 Buy 6,110 $12.87 $78,636
Boodakian Stephen Harry Director May 1, 2026 Buy 2,500 $12.93 $32,325

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around January 27, 2027 estimated from the company's past filing pattern, not announced

  • October 28, 2026
  • July 30, 2026
  • April 29, 2026
  • January 28, 2026
  • October 22, 2025
  • July 30, 2025

Recent SEC filings

Data status

When each part of this page on Winchester Bancorp, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Winchester Bancorp, Inc. in brief

What does Winchester Bancorp, Inc. do?
Winchester Bancorp, Inc. is a US-listed company in the regional banks industry. Its financial year ends in June.
What is Winchester Bancorp, Inc.'s stock ticker?
Winchester Bancorp, Inc. trades under the ticker WSBK on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Winchester Bancorp, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Winchester Bancorp, Inc. reported revenue of $26.3M, 36.0% higher than a year earlier, according to its SEC filings.
What is Winchester Bancorp, Inc.'s free cash flow?
Winchester Bancorp, Inc.'s free-cash-flow margin is 16.9% of revenue over the trailing twelve months.
Who are Winchester Bancorp, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Mangrove Partners Im, LLC, Vanguard Capital Management LLC and Integrated Wealth Concepts LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is Winchester Bancorp, Inc.'s market cap?
On June 30, 2026, Winchester Bancorp, Inc.'s market capitalisation was about $118M, with a price-to-earnings ratio of 26.7 and net debt of -$60M. Market figures come from third-party market data and may be delayed.
Who are Winchester Bancorp, Inc.'s competitors?
In our Regional Banks peer group, the companies closest to Winchester Bancorp, Inc. are Home Federal Bancorp, Inc. Of Louisiana, Bayfirst Financial Corp., SR Bancorp, Inc., Auburn National Bancorporation, Inc and Bogota Financial Corp. The side-by-side comparison below sets their revenue, margins and growth against Winchester Bancorp, Inc.'s.
Are insiders buying or selling Winchester Bancorp, Inc. stock?
Over the last 12 months, Winchester Bancorp, Inc.'s directors and officers reported 6 open-market purchases and 0 sales on Form 4. The insider trading page charts every trade.
When is Winchester Bancorp, Inc.'s next earnings date?
Around January 27, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Winchester Bancorp, Inc. announces its own schedule.