Winchester Bancorp, Inc. (WSBK)
NASDAQ:WSBK
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Winchester Bancorp, Inc.
(NASDAQ:WSBK)
Select Model
Select Model
Rating:56Neutral
Price Target:
$13.00
▲(16.07% Upside)
Action:ReiteratedDate:02/14/26
Overall score is held back primarily by weak profitability and negative ROE alongside elevated leverage, partially offset by strong recent free-cash-flow improvement and a technically strong uptrend. Valuation and earnings-call factors were not assessable from the provided data.
Positive Factors
Free cash flow improvement
A 475% increase in free cash flow signals materially improved cash generation versus prior periods. Durable cash generation provides flexibility to fund loans, meet deposit outflows, invest in tech or branch needs, and buffer earnings volatility over the next several quarters.
Negative Factors
Weak profitability and negative ROE
Negative margins and ROE indicate the business is not generating returns on equity and struggles to convert revenues into profit. Persistently weak profitability limits retained capital build, dividend capacity, and flexibility to absorb credit stress over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Free cash flow improvement
A 475% increase in free cash flow signals materially improved cash generation versus prior periods. Durable cash generation provides flexibility to fund loans, meet deposit outflows, invest in tech or branch needs, and buffer earnings volatility over the next several quarters.
Read all positive factors
Winchester Bancorp, Inc. (WSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$115.15M
Dividend YieldN/A
Average Volume (3M)6.40K
Price to Earnings (P/E)21.8
Beta (1Y)-0.03
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. 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 Cap2.24
Enterprise Value/Revenue5.41
Enterprise Value/Gross Profit11.64
Enterprise Value/Ebitda110.97
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 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 oth...
Winchester Bancorp, Inc. Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 47.61M | 44.51M | 36.33M | 25.78M |
| Gross Profit | 22.13M | 17.25M | 15.32M | 17.26M |
| EBITDA | 2.32M | -683.00K | 1.50M | 6.26M |
| Net Income | 1.42M | -874.00K | 786.00K | 4.16M |
Balance Sheet | ||||
| Total Assets | 1.02B | 949.38M | 852.97M | 750.63M |
| Cash, Cash Equivalents and Short-Term Investments | 64.92M | 80.51M | 75.20M | 79.15M |
| Total Debt | 143.60M | 147.00M | 129.47M | 91.70M |
| Total Liabilities | 897.72M | 834.03M | 772.68M | 673.59M |
| Stockholders Equity | 118.25M | 115.35M | 80.29M | 77.05M |
Cash Flow | ||||
| Free Cash Flow | 5.50M | 2.18M | -1.09M | 4.74M |
| Operating Cash Flow | 5.65M | 2.46M | 231.00K | 437.00K |
| Investing Cash Flow | -109.92M | -86.73M | -105.18M | -121.75M |
| Financing Cash Flow | 117.51M | 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 |
|---|---|---|---|---|---|---|---|
69 Neutral | $108.06M | 17.90 | 4.68% | 3.50% | 0.99% | -16.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $83.88M | 12.98 | 8.27% | 4.16% | 24.17% | 739.42% | |
56 Neutral | $115.15M | 21.81 | 1.32% | ― | ― | ― | |
51 Neutral | $85.71M | -25.99 | -2.75% | 2.86% | 0.84% | ― | |
46 Neutral | $95.73M | -21.37 | -2.76% | 2.88% | 8.02% | 21.36% |
* Financial Sector Average
WSBK
Winchester Bancorp, Inc.
12.85
3.15
32.47%
AUBN
Auburn National Bancorporation
24.01
4.59
23.62%
PBHC
Pathfinder Bancorp
13.70
-2.00
-12.72%
PROV
Provident Financial Holdings
16.95
3.23
23.56%
FNWB
First Northwest Bancorp
10.13
-0.15
-1.43%
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.