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Winchester Bancorp, Inc. (WSBK)
:WSBK
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Winchester Bancorp, Inc.
(NASDAQ:WSBK)
Select Model
Select Model
Rating:66Neutral
Price Target:
$10.00
▲(3.20% Upside)
The overall stock score for Winchester Bancorp, Inc. is driven primarily by its robust revenue growth, although profitability and cash flow concerns weigh down the financial performance score. Technical analysis indicates a neutral to mildly bullish sentiment, contributing positively to the score. The absence of P/E ratio and dividend yield data hinders full valuation analysis.
Winchester Bancorp, Inc. (WSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
N/A
Dividend YieldN/A
Average Volume (3M)7.48K
Price to Earnings (P/E)―
Beta (1Y)-0.02
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees71
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding9,295,376
10 Day Avg. Volume9,359
30 Day Avg. Volume7,479
Financial Highlights & Ratios
PEG Ratio0.45
Price to Book (P/B)0.72
Price to Sales (P/S)1.94
P/FCF Ratio33.58
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$10.00Price Target Upside3.20% Upside
Rating ConsensusHold
Number of Analyst Covering1
Winchester Bancorp, Inc. Business Overview & Revenue Model
Company DescriptionWinchester 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, 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
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.65
Positive
Balance Sheet
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.72
Positive
Cash Flow
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.58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 42.48M | 42.71M | 36.33M | 25.78M |
| Gross Profit | 15.69M | 0.00 | 15.32M | 17.26M |
| EBITDA | 788.00K | 0.00 | 1.50M | 6.26M |
| Net Income | 154.00K | -874.00K | 786.00K | 4.16M |
Balance Sheet | ||||
| Total Assets | 923.09M | 949.38M | 852.97M | 750.63M |
| Cash, Cash Equivalents and Short-Term Investments | 101.60M | 54.81M | 75.20M | 79.15M |
| Total Debt | 131.00M | 0.00 | 129.47M | 91.70M |
| Total Liabilities | 842.18M | 834.03M | 772.68M | 673.59M |
| Stockholders Equity | 80.91M | 115.35M | 80.29M | 77.05M |
Cash Flow | ||||
| Free Cash Flow | 379.00K | 2.46M | -1.09M | 4.74M |
| Operating Cash Flow | 355.00K | 2.46M | 231.00K | 437.00K |
| Investing Cash Flow | -77.57M | -86.73M | -105.18M | -121.75M |
| Financing Cash Flow | 102.30M | 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 |
|---|---|---|---|---|---|---|---|
69 Neutral | $42.78M | 11.08 | 7.20% | 3.68% | -2.93% | 7.89% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $71.71M | 12.85 | 5.99% | 2.27% | 2.84% | -31.20% | |
66 Neutral | ― | ― | ― | ― | ― | ― | |
65 Neutral | $94.33M | 14.17 | 8.25% | 4.24% | 27.65% | 996.66% | |
52 Neutral | $31.94M | 178.92 | 0.38% | 3.03% | 19.55% | ― |
* Financial Sector Average
WSBK
Winchester Bancorp, Inc.
9.69
>-0.01
-0.10%
AUBN
Auburn National Bancorporation
25.97
6.19
31.29%
CARV
Carver Bancorp
2.65
1.20
82.76%
HFBL
Home Federal Bancorp Of Louisiana
14.20
2.29
19.23%
KFFB
Kentucky First Federal Bancorp
3.89
0.71
22.33%
FUSB
First US Bancshares
12.32
1.31
11.90%
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.