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Winchester Bancorp, Inc. (WSBK)
NASDAQ:WSBK
US Market
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Winchester Bancorp, Inc. (WSBK) AI Stock Analysis

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WSBK

Winchester Bancorp, Inc.

(NASDAQ:WSBK)

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Neutral 54 (OpenAI - 4o)
Rating:54Neutral
Price Target:
$9.50
▼(-0.11% 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.

Winchester Bancorp, Inc. (WSBK) vs. SPDR S&P 500 ETF (SPY)

Winchester Bancorp, Inc. Business Overview & Revenue Model

Company DescriptionWinchester Bancorp, Inc. (WSBK) is a financial holding company based in Winchester, Massachusetts, primarily engaged in providing a range of banking and financial services through its subsidiary, Winchester Savings Bank. The company operates in the banking sector, focusing on retail and commercial banking services, including personal and business loans, deposit accounts, and mortgage products. Winchester Bancorp aims to serve the local community by offering personalized financial solutions and maintaining a strong commitment to customer service.
How the Company Makes MoneyWinchester 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, Inc. demonstrates strong revenue growth, though profitability margins have declined, suggesting cost management challenges. The balance sheet is stable with strong equity, but high leverage poses a risk. Cash flow concerns are notable, particularly negative free cash flow, signaling the need for financial restructuring or improved operational efficiency.
Income Statement
45
Neutral
The income statement shows a decrease in both gross profit margin and net profit margin year-over-year, with gross profit margin at 42.2% and net profit margin at 2.2% in the latest period. EBIT and EBITDA margins also declined. However, revenue grew by 40.9%, indicating potential for future profitability if cost control improves.
Balance Sheet
55
Neutral
The balance sheet reveals a strong equity position with an equity ratio of 9.4%. However, the debt-to-equity ratio is relatively high at 1.61, indicating significant leverage. There is potential risk associated with high debt levels, but the company has substantial cash reserves, which may mitigate some risk.
Cash Flow
60
Neutral
Cash flow analysis shows negative free cash flow, a concerning trend. The free cash flow to net income ratio is negative, suggesting potential liquidity issues. Operating cash flow is positive, slightly offsetting concerns, but the overall cash flow health requires improvement for sustainable operations.
BreakdownTTMDec 2025Dec 2024Dec 2023
Income Statement
Total Revenue44.50M44.51M36.33M25.78M
Gross Profit17.25M17.25M15.32M17.26M
EBITDA-683.00K-683.00K1.50M6.26M
Net Income-874.00K-874.00K786.00K4.16M
Balance Sheet
Total Assets949.38M949.38M852.97M750.63M
Cash, Cash Equivalents and Short-Term Investments80.51M80.51M75.20M79.15M
Total Debt147.00M147.00M129.47M91.70M
Total Liabilities834.03M834.03M772.68M673.59M
Stockholders Equity115.35M115.35M80.29M77.05M
Cash Flow
Free Cash Flow2.18M2.18M-1.09M4.74M
Operating Cash Flow2.46M2.46M231.00K437.00K
Investing Cash Flow-86.73M-86.73M-105.18M-121.75M
Financing Cash Flow95.39M95.39M96.89M110.31M

Winchester Bancorp, Inc. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
$51.84M10.828.21%3.31%0.32%37.93%
$75.22M12.545.50%2.30%2.84%-31.20%
$89.65M12.908.22%4.09%16.08%739.42%
$18.00B11.429.92%3.81%9.73%1.22%
$31.94M177.130.38%19.55%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
WSBK
Winchester Bancorp, Inc.
9.60
-0.10
-1.03%
AUBN
Auburn National Bancorporation
25.66
4.84
23.25%
CARV
Carver Bancorp
2.77
1.02
58.29%
HFBL
Home Federal Bancorp Of Louisiana
16.95
4.80
39.51%
KFFB
Kentucky First Federal Bancorp
3.95
1.16
41.58%
FUSB
First US Bancshares
13.06
1.48
12.78%
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.Date of analysis: Oct 27, 2025