Winchester Bancorp, Inc. (WSBK) AI Stock Analysis

Winchester Bancorp, Inc. operates as a bank holding company for Winchester Savings Bank that provides banking products and services in the United States. The company offers personal and business savings and checking accounts, non-interest-bearing checking, interest-bearing checking, money market, and savings accounts, as well as certificates of deposit. Its lending portfolio includes one- to four-family residential real estate loans, multifamily residential real estate loans, construction loans, commercial real estate loans, home equity loans and lines of credit, commercial business loans, small business loans, business term loans, and consumer loans. Additionally, it offers cash management, safe deposit boxes, wire transfers, and digital banking.

Winchester Bancorp expanded revenue at a 3-year CAGR of 26.1% from FY2023 to FY2026. Annual revenue climbed from $25.8M in FY2023 to $36.3M in FY2024, reaching $44.5M in FY2025 and $51.6M in FY2026, which represented 16.0% year-over-year growth. Profitability fluctuated over this period, shifting from a net income of $4.2M in FY2023 to a net loss of -$874,000 in FY2025, before recovering to $4.4M in FY2026 with a net margin of 8.6%. For the latest quarter ended June 30, 2026, quarterly revenue grew 32.2% year-over-year, while quarterly earnings surged 288.9%. Operating margin for FY2026 reached 11.1%, compared to a trailing 12-month operating margin of 25.0%.

As of June 30, 2026, Winchester Bancorp held $109.9M in cash and short-term investments alongside $1.10B in total assets. Total debt stood at $158.2M, resulting in net debt of $48.2M and a debt-to-equity ratio of 1.31 against shareholders' equity of $120.5M. The bank recorded a current ratio of 0.01. During FY2026, operating cash flow reached $5.4M, while capital expenditures totaled $142,000, leaving free cash flow at $5.3M.

At a last close price of $12.92, Winchester Bancorp carried a market capitalization of $115.8M and an enterprise value of $219.6M. The stock trades at a trailing price-to-earnings multiple of 26.4x, above the median of its US-listed Financial Services peers of 12.1x. Its price-to-sales ratio of 4.5x also trades at a premium to the peer median of 3.2x, while its price-to-book multiple stands at 1.0x. Over the past year, WSBK delivered a return of 34.6%, outpacing the S&P 500 (SPY) return of 16.8%.

Winchester Bancorp currently has no published analyst recommendations, consensus price targets, or earnings estimates available. Historical earnings surprise figures and upcoming earnings announcement dates are not reported for the institution. Over the trailing 12 months, the company generated diluted EPS of $0.49, rebounding from an EPS of -$0.10 in FY2025 to $0.48 in FY2026. Market trading shows the stock closed at $12.92 on October 16, 2026, standing 1.9% above its 200-day moving average.

This page is an AI-written research summary of Winchester Bancorp, Inc. (WSBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: WSBK income statement, WSBK balance sheet, WSBK key metrics, WSBK chart. See the WSBK stock overview for the latest quote and news.