Winchester Bancorp, Inc. (WSBK) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 6.40K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.04
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 71
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 9,295,376
• 10 Day Avg. Volume: 4,279
• 30 Day Avg. Volume: 6,403
• PEG Ratio: 0.45
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 1.86
• P/FCF Ratio: 37.95
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 54 Neutral
• Price Target: $9.50 ▼(-2.46% Downside)

Winchester Bancorp's overall stock score reflects a mixed financial performance with positive cash flow but concerning profitability and leverage. Technical indicators are neutral, and the lack of valuation data limits assessment. The absence of earnings call and corporate events data further impacts the overall evaluation.

Positive Factors

Cash Generation

The significant growth in free cash flow indicates robust cash generation capabilities, providing Winchester Bancorp with the flexibility to invest in growth opportunities and manage debt obligations effectively over the long term.

Revenue Growth

Consistent revenue growth suggests that Winchester Bancorp is successfully expanding its market presence and enhancing its service offerings, which is crucial for sustaining long-term business health and competitiveness in the regional banking sector.

Equity Ratio

A solid equity ratio indicates a stable capital structure, providing a buffer against potential financial downturns and supporting the company's ability to withstand economic challenges while pursuing strategic initiatives.

Negative Factors

Profitability Concerns

Negative profitability metrics highlight operational inefficiencies and challenges in cost management, which could hinder Winchester Bancorp's ability to generate sustainable earnings and limit its capacity to reinvest in business growth.

High Leverage

High leverage poses a risk to Winchester Bancorp's financial stability, as it increases the company's vulnerability to interest rate fluctuations and economic downturns, potentially impacting its long-term financial health and operational flexibility.

Low Operating Cash Flow

A low operating cash flow to net income ratio suggests difficulties in converting accounting profits into actual cash, which may affect Winchester Bancorp's ability to fund operations, service debt, and invest in growth without relying heavily on external financing.

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, and certificates of deposit. It also offers loans such as residential and commercial real estate loans, construction loans, home equity loans and lines of credit, commercial business loans, and consumer loans. Additionally, the company invests in securities.

How the Company Makes Money

Winchester Bancorp generates revenue primarily through the interest income earned on loans and investments. The company's key revenue streams include interest from personal, commercial, and mortgage loans, as well as income from securities and other financial instruments. Additionally, Winchester Bancorp earns non-interest income from service fees, account maintenance charges, and transaction fees associated with its banking services. The bank may also engage in strategic partnerships with local businesses and organizations, enhancing its service offerings and expanding its customer base, which can contribute to overall earnings.

Winchester Bancorp, Inc. Financial Statement Overview

Summary

Winchester Bancorp shows mixed financial performance with revenue growth and strong cash flow generation. However, profitability and leverage are concerning, with negative profit margins and a high debt-to-equity ratio.

Income Statement

Winchester Bancorp's income statement reveals a mixed performance. The company experienced a revenue growth rate of 4.77% in the latest period, indicating some positive momentum. However, profitability metrics are concerning, with a negative net profit margin of -1.96% and negative EBIT and EBITDA margins, reflecting operational challenges and inefficiencies.

Balance Sheet

The balance sheet shows a high debt-to-equity ratio of 1.27, suggesting significant leverage, which could pose risks if not managed properly. The return on equity is negative at -0.76%, indicating that the company is not generating sufficient returns on its equity base. However, the equity ratio of 12.15% suggests a reasonable level of equity relative to total assets.

Cash Flow

Cash flow analysis shows a strong free cash flow growth rate of 475.46%, indicating improved cash generation capabilities. The operating cash flow to net income ratio is low, suggesting potential issues in converting income into cash. However, the free cash flow to net income ratio of 0.88 indicates that the company is generating cash relative to its net income.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023
Income Statement
Total Revenue	45.71M	44.51M	36.33M	25.78M
Gross Profit	14.14M	17.25M	15.32M	17.26M
EBITDA	7.47M	-683.00K	1.50M	6.26M
Net Income	720.00K	-874.00K	786.00K	4.16M
Balance Sheet
Total Assets	1.01B	949.38M	852.97M	750.63M
Cash, Cash Equivalents and Short-Term Investments	56.38M	80.51M	75.20M	79.15M
Total Debt	0.00	147.00M	129.47M	91.70M
Total Liabilities	888.22M	834.03M	772.68M	673.59M
Stockholders Equity	116.99M	115.35M	80.29M	77.05M
Cash Flow
Free Cash Flow	3.93M	2.18M	-1.09M	4.74M
Operating Cash Flow	4.16M	2.46M	231.00K	437.00K
Investing Cash Flow	-112.97M	-86.73M	-105.18M	-121.75M
Financing Cash Flow	129.32M	95.39M	96.89M	110.31M

Winchester Bancorp, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	80 Outperform	$48.61M	10.75	8.21%	2.94%	0.32%	37.93%
AUBN	72 Outperform	$90.45M	12.65	8.22%	4.01%	24.17%	739.42%
FUSB	71 Outperform	$74.36M	13.91	5.50%	1.99%	1.03%	-35.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WSBK	54 Neutral	―	―	―	―	―	―
KFFB	52 Neutral	$35.99M	66.72	1.11%	―	15.56%	―