Winchester Bancorp, Inc. (WSBK)
NASDAQ:WSBK
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Winchester Bancorp, Inc.
(NASDAQ:WSBK)
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Rating:57Neutral
Price Target:
$13.00
▲(16.07% Upside)
Action:Reiterated
Date:05/14/26
WSBK scores in the mid-range primarily due to improving TTM fundamentals (return to profitability and stronger cash generation), tempered by still-low profitability/ROE and meaningful leverage. Technicals are neutral-to-soft and valuation is less compelling given the ~24.9 P/E with no stated dividend yield.
Positive Factors
Improved cash generation
Material improvement in operating and free cash flow (TTM) strengthens the firm’s ability to self-fund loan growth, cover provisions, and invest in service capabilities. Sustained positive FCF reduces reliance on external funding and supports balance sheet resilience over months.
Negative Factors
Low profitability metrics
Persistently thin net margins and very low ROE constrain the bank’s ability to generate internal capital and returns for shareholders. Over months, low profitability limits reinvestment, hampers buffer accumulation, and makes growth initiatives harder without external capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved cash generation
Material improvement in operating and free cash flow (TTM) strengthens the firm’s ability to self-fund loan growth, cover provisions, and invest in service capabilities. Sustained positive FCF reduces reliance on external funding and supports balance sheet resilience over months.
Read all positive factors
Winchester Bancorp, Inc. (WSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$114.35M
Dividend YieldN/A
Average Volume (3M)6.40K
Price to Earnings (P/E)24.9
Beta (1Y)-0.04
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees71
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.27
Shares Outstanding9,295,376
10 Day Avg. Volume4,279
30 Day Avg. Volume6,403
Financial Highlights & Ratios
PEG Ratio0.45
Price to Book (P/B)0.72
Price to Sales (P/S)1.86
P/FCF Ratio37.95
Enterprise Value/Market Cap1.81
Enterprise Value/Revenue4.16
Enterprise Value/Gross Profit8.69
Enterprise Value/Ebitda60.04
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Winchester Bancorp, Inc. Business Overview & Revenue Model
Company Description
Winchester Bancorp, Inc. operates as the bank holding company for Winchester Savings Bank, offering a range of banking products and services in Massachusetts. The company provides various deposit accounts, including checking, savings, money market...
How the Company Makes Money
Winchester Bancorp, Inc. makes money primarily through its bank subsidiary by (1) earning net interest income—the difference between interest earned on interest-earning assets (mainly loans and investment securities) and interest paid on funding s...
Winchester Bancorp, Inc. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
55
Neutral
Cash Flow
66
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 49.63M | 44.51M | 36.33M | 25.78M |
| Gross Profit | 23.78M | 17.25M | 15.32M | 17.26M |
| EBITDA | 3.44M | -683.00K | 1.50M | 6.26M |
| Net Income | 2.26M | -874.00K | 786.00K | 4.16M |
Balance Sheet | ||||
| Total Assets | 1.06B | 949.38M | 852.97M | 750.63M |
| Cash, Cash Equivalents and Short-Term Investments | 98.88M | 80.51M | 75.20M | 79.15M |
| Total Debt | 146.88M | 147.00M | 129.47M | 91.70M |
| Total Liabilities | 937.96M | 834.03M | 772.68M | 673.59M |
| Stockholders Equity | 119.14M | 115.35M | 80.29M | 77.05M |
Cash Flow | ||||
| Free Cash Flow | 6.13M | 2.18M | -1.09M | 4.74M |
| Operating Cash Flow | 6.16M | 2.46M | 231.00K | 437.00K |
| Investing Cash Flow | -149.33M | -86.73M | -105.18M | -121.75M |
| Financing Cash Flow | 130.51M | 95.39M | 96.89M | 110.31M |
Winchester Bancorp, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $84.45M | 9.49 | 9.03% | 4.16% | 4.30% | 20.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $107.69M | 18.95 | 4.77% | 3.50% | -1.84% | -3.36% | |
57 Neutral | $114.35M | 24.88 | 1.93% | ― | ― | ― | |
54 Neutral | $84.84M | 8.22 | -3.21% | 2.86% | -4.84% | -557.25% | |
48 Neutral | $92.33M | 3,217.02 | 3.14% | 2.88% | -3.63% | ― |
* Financial Sector Average
WSBK
Winchester Bancorp, Inc.
12.68
3.26
34.61%
AUBN
Auburn National Bancorporation
24.50
4.45
22.22%
PBHC
Pathfinder Bancorp
13.90
-0.98
-6.58%
PROV
Provident Financial Holdings
17.23
2.79
19.29%
FNWB
First Northwest Bancorp
9.60
0.34
3.67%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.