Winchester Bancorp, Inc. (WSBK) Balance Sheet
WSBK balance sheet, FY2026
June 30, 2026 · U.S. dollars$1.10B assets = $975.4M liabilities + $120.5M equity
Both columns are drawn to the same scale: what WSBK owns equals what it owes plus shareholders’ equity. Hover a block for its value.
WSBK financial health
Descriptive bands, not a rating. Fiscal FY2026.
WSBK balance sheet trends, FY2023–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $750.6MFY2023 | $1.10BFY2026 | +13.4%/yr | |
| Total liabilities | $673.6MFY2023 | $975.4MFY2026 | +13.1%/yr | |
| Shareholders’ equity | $77.0MFY2023 | $120.5MFY2026 | +16.1%/yr | |
| Cash & short-term investments | $79.1MFY2023 | $109.9MFY2026 | +11.6%/yr | |
| Total debt | $91.7MFY2023 | $158.2MFY2026 | +19.9%/yr | |
| Net cash (debt) | −$12.6MFY2023 | −$48.2MFY2026 | −$35.7M | |
| Working capital | −$519.2MFY2023 | −$805.7MFY2026 | −$286.5M | |
| Book value per share | $8.16FY2023 | $13.43FY2026 | +18.1%/yr | |
| Debt / equity | 1.19FY2023 | 1.31FY2026 | +0.12 | |
| Shares outstanding | 9.4MFY2023 | 9.0MFY2026 | −1.7%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
WSBK assets
WSBK liabilities and equity
WSBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
WSBK balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | $109.9M | $80.5M | $75.2M | $79.1M |
| Cash & equivalents | $60.0M | $55.2M | $44.1M | $52.2M |
| Short-term investments | $49.9M | $25.3M | $31.1M | $27.0M |
| Receivables | $4.0M | $3.3M | $3.2M | $2.3M |
| Inventory | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 |
| Total current assets | $5.3M | $58.1M | $78.4M | $81.4M |
| Property, plant & equipment (net) | $5.6M | $6.4M | $7.0M | $6.1M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 |
| Long-term investments | $125.0M | $104.5M | $88.8M | $73.4M |
| Other non-current assets | $960.0M | $780.3M | $678.9M | $589.7M |
| Total assets | $1.10B | $949.4M | $853.0M | $750.6M |
| Liabilities | ||||
| Short-term debt | — | — | — | $22.7M |
| Total current liabilities | $811.0M | $680.9M | $637.0M | $600.6M |
| Long-term debt | $158.2M | $147.0M | $129.5M | $69.0M |
| Other long-term liabilities | $817.3M | $6.1M | $6.2M | $4.0M |
| Total liabilities | $975.4M | $834.0M | $772.7M | $673.6M |
| Shareholders' equity | ||||
| Common stock & paid-in capital | $93,000 | $93,000 | — | — |
| Retained earnings (deficit) | $85.1M | $80.7M | $82.1M | $80.3M |
| Accumulated other comprehensive income | −$4.3M | −$1.7M | $80.3M | −$3.3M |
| Total shareholders' equity | $120.5M | $115.4M | $80.3M | $77.0M |
| Key figures | ||||
| Total debt | $158.2M | $147.0M | $129.5M | $91.7M |
| Net cash (debt) | −$48.2M | −$66.5M | −$54.3M | −$12.6M |
| Working capital | −$805.7M | −$622.8M | −$558.7M | −$519.2M |
| Tangible book value | $120.5M | $115.4M | $80.3M | $77.0M |
| Book value per share | $13.43 | $12.47 | $8.50 | $8.16 |
| Shares outstanding | 9.0M | 9.2M | 9.4M | 9.4M |
| Current ratio | 0.01 | 0.09 | 0.12 | 0.14 |
| Quick ratio | 0.14 | 0.12 | 0.12 | 0.14 |
| Debt / equity | 1.31 | 1.27 | 1.61 | 1.19 |
| Equity / assets | 11.0% | 12.2% | 9.4% | 10.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Cash & short-term investments | $109.9M | $98.9M | $95.2M | $56.4M | $80.5M | $101.6M | $74.5M | $65.8M | $75.2M |
| Cash & equivalents | $60.0M | $54.0M | $54.8M | $1.7M | $55.2M | $66.6M | $41.5M | $37.2M | $44.1M |
| Short-term investments | $49.9M | $44.9M | $40.4M | $54.7M | $25.3M | $35.0M | $33.0M | $28.6M | $31.1M |
| Receivables | $4.0M | $3.6M | $3.6M | $3.5M | $3.3M | $3.1M | $3.1M | $3.1M | $3.2M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $5.3M | $102.5M | $98.8M | $59.8M | $83.8M | $104.7M | $77.6M | $68.8M | $78.4M |
| Property, plant & equipment (net) | $5.6M | $5.7M | $5.9M | $6.2M | $6.4M | $6.6M | $6.7M | $6.8M | $7.0M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $125.0M | $124.0M | $122.7M | $115.4M | $104.5M | $89.0M | $88.1M | $88.9M | $88.8M |
| Other non-current assets | $960.0M | $824.9M | $788.5M | $823.8M | $754.6M | $722.8M | $721.7M | $708.3M | $678.9M |
| Total assets | $1.10B | $1.06B | $1.02B | $1.01B | $949.4M | $923.1M | $894.1M | $872.9M | $853.0M |
| Liabilities | |||||||||
| Total current liabilities | $811.0M | $785.6M | $748.3M | $718.4M | $680.9M | $704.9M | $662.8M | $644.1M | $637.0M |
| Long-term debt | $158.2M | $146.9M | $143.6M | $164.0M | $147.0M | $131.0M | $145.5M | $142.9M | $129.5M |
| Other long-term liabilities | $817.3M | $5.5M | $5.8M | $5.9M | $6.1M | $6.2M | $5.4M | $5.6M | $6.2M |
| Total liabilities | $975.4M | $938.0M | $897.7M | $888.2M | $834.0M | $842.2M | $813.8M | $792.6M | $772.7M |
| Shareholders' equity | |||||||||
| Common stock & paid-in capital | $93,000 | $93,000 | $93,000 | $93,000 | $93,000 | — | — | — | — |
| Retained earnings (deficit) | $85.1M | $83.9M | $82.8M | $81.7M | $80.7M | $82.1M | $81.8M | $81.5M | $82.1M |
| Accumulated other comprehensive income | −$1.2M | −$1.2M | −$928,000 | −$1.1M | −$1.7M | $80.9M | $80.3M | $80.2M | $80.3M |
| Total shareholders' equity | $120.5M | $119.1M | $118.2M | $117.0M | $115.4M | $80.9M | $80.3M | $80.2M | $80.3M |
| Key figures | |||||||||
| Total debt | $158.2M | $146.9M | $143.6M | $164.0M | $147.0M | $131.0M | $145.5M | $142.9M | $129.5M |
| Net cash (debt) | −$48.2M | −$48.0M | −$48.4M | −$107.6M | −$66.5M | −$29.4M | −$71.0M | −$77.2M | −$54.3M |
| Working capital | −$805.7M | −$683.1M | −$649.5M | −$658.5M | −$597.1M | −$600.3M | −$585.2M | −$575.2M | −$558.7M |
| Tangible book value | $120.5M | $119.1M | $118.2M | $117.0M | $115.4M | $80.9M | $80.3M | $80.2M | $80.3M |
| Book value per share | $13.42 | $13.28 | $13.19 | $13.05 | $12.47 | $8.70 | $8.50 | $8.49 | $8.50 |
| Shares outstanding | 9.0M | 9.0M | 9.0M | 9.0M | 9.2M | 9.3M | 9.4M | 9.4M | 9.4M |
| Current ratio | 0.01 | 0.13 | 0.13 | 0.08 | 0.12 | 0.15 | 0.12 | 0.11 | 0.12 |
| Quick ratio | 0.14 | 0.13 | 0.13 | 0.08 | 0.12 | 0.15 | 0.12 | 0.11 | 0.12 |
| Debt / equity | 1.31 | 1.23 | 1.21 | 1.40 | 1.27 | 1.62 | 1.81 | 1.78 | 1.61 |
| Equity / assets | 11.0% | 11.3% | 11.6% | 11.6% | 12.2% | 8.8% | 9.0% | 9.2% | 9.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed September 16, 2026); data from EODHD.
WSBK financial position
At the end of fiscal 2026 (June 30, 2026), Winchester Bancorp had total assets of $1.1 billion (up 15.4% from a year earlier), total liabilities of $975.4 million and shareholders' equity of $120.5 million. It held $109.9 million in cash and short-term investments against $158.2 million of debt, net debt of $48.2 million. Its current ratio was 0.01.
Related: WSBK income statement, WSBK cash flow statement, WSBK key metrics. See the WSBK stock overview for the latest quote and news.
WSBK balance sheet FAQ
What are Winchester Bancorp's total assets?
Winchester Bancorp reported total assets of $1.1 billion at the end of fiscal 2026 (June 30, 2026), compared with $949.4 million a year earlier.
How much debt does Winchester Bancorp have?
Winchester Bancorp had $158.2 million of total debt at the end of fiscal 2026, including short-term borrowings. Its debt-to-equity ratio was 1.31.
How much cash does Winchester Bancorp have?
Winchester Bancorp held $109.9 million in cash and short-term investments at the end of fiscal 2026; with $158.2 million of debt that is net debt of $48.2 million.
What is Winchester Bancorp's book value?
Winchester Bancorp's shareholders' equity (book value) was $120.5 million at the end of fiscal 2026, or $13.43 per share.
What is Winchester Bancorp's current ratio?
Winchester Bancorp had current assets of $5.3 million and current liabilities of $811.0 million, a current ratio of 0.01 (current liabilities exceed current assets).