Winchester Bancorp, Inc. (WSBK) Cash Flow Statement
Where WSBK’s cash came from and went, FY2026
June 30, 2026 · U.S. dollars- Cash from operations
- $5.4M +118.9% vs FY2025
- Capital expenditures
- $142,000 0.3% of revenue
- Free cash flow
- $5.3M 10.2% margin
- Returned to shareholders
- —
- Change in cash
- −$55.2M cash at year-end $60.0M
Drawn to scale: where the cash came from and how it was used. Hover for values.
WSBK operating cash flow, capex and free cash flow
WSBK cash flow trends, FY2023–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Operating cash flow | $437,000FY2023 | $5.4MFY2026 | +131.1%/yr | |
| Capital expenditures | $4.3MFY2023 | $142,000FY2026 | −67.9%/yr | |
| Free cash flow | $4.7MFY2023 | $5.3MFY2026 | +3.5%/yr | |
| Free cash flow margin | 18.4%FY2023 | 10.2%FY2026 | −8.2 pts | |
| Operating cash flow / net income | 0.11FY2023 | 1.22FY2026 | +1.12 | |
| Share buybacks (net) | $0FY2024 | $0FY2026 | — | |
| Capex / revenue | 16.7%FY2023 | 0.3%FY2026 | −16.4 pts |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
WSBK cash flow by activity
WSBK net income vs operating cash flow
Operating cash flow above net income usually means earnings are backed by cash (depreciation and stock-based pay are non-cash expenses).
WSBK cash flow statement
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Operating activities | ||||
| Net income | $4.4M | −$874,000 | $786,000 | $4.2M |
| Depreciation & amortization | $970,000 | $847,000 | $750,000 | $640,000 |
| Change in working capital | −$750,000 | $375,000 | −$978,000 | −$2.4M |
| Other non-cash items | $756,000 | $2.1M | −$327,000 | −$2.0M |
| Cash from operating activities | $5.4M | $2.5M | $231,000 | $437,000 |
| Investing activities | ||||
| Capital expenditures | −$142,000 | −$284,000 | −$1.3M | −$4.3M |
| Investments (net) | −$20.6M | −$86.7M | −$105.2M | −$121.8M |
| Acquisitions & other investing | — | $284,000 | $1.3M | $4.3M |
| Cash from investing activities | — | −$86.7M | −$105.2M | −$121.8M |
| Financing activities | ||||
| Share repurchases & issuance (net) | $0 | −$3.3M | $0 | — |
| Net borrowing (repayment) | $11.2M | $17.5M | $37.8M | $83.7M |
| Shares issued | $0 | $37.8M | $0 | $0 |
| Other financing | $130.1M | $43.4M | $59.1M | $26.6M |
| Cash from financing activities | $141.3M | $95.4M | $96.9M | $110.3M |
| Summary | ||||
| Net change in cash | −$55.2M | $11.1M | −$8.1M | −$11.0M |
| Cash at end of period | $60.0M | $55.2M | $44.1M | $52.2M |
| Free cash flow | $5.3M | $2.2M | −$1.1M | $4.7M |
| Free cash flow margin | 10.2% | 4.9% | −3.0% | 18.4% |
| Capex / revenue | 0.3% | 0.6% | 3.6% | 16.7% |
| Operating cash flow / net income | 1.22 | — | 0.29 | 0.11 |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating activities | ||||||||||||
| Net income | $1.2M | $1.1M | $1.1M | $962,000 | −$920,000 | $305,000 | $373,000 | −$632,000 | $108,000 | $193,000 | $272,000 | $213,000 |
| Depreciation & amortization | $213,000 | $213,000 | $321,000 | $223,000 | $220,000 | $206,000 | $212,000 | $209,000 | $210,000 | $196,000 | $177,000 | $167,000 |
| Change in working capital | −$533,000 | −$48,000 | −$226,000 | $226,000 | $1.6M | $322,000 | −$694,000 | −$838,000 | −$142,000 | −$669,000 | −$1.1M | $975,000 |
| Other non-cash items | $213,000 | $46,000 | $382,000 | −$54,000 | $1.0M | $15,000 | $166,000 | $927,000 | −$392,000 | −$77,000 | −$32,000 | $174,000 |
| Cash from operating activities | $1.1M | $1.4M | $1.6M | $1.4M | $1.9M | $848,000 | $57,000 | −$334,000 | −$216,000 | −$357,000 | −$725,000 | $1.5M |
| Investing activities | ||||||||||||
| Capital expenditures | −$89,000 | $0 | −$53,000 | $0 | −$25,000 | −$122,000 | −$77,000 | −$60,000 | −$283,000 | −$909,000 | −$409,000 | −$1.1M |
| Investments (net) | −$1.4M | −$1.6M | −$7.4M | −$53.3M | −$39.2M | −$3.4M | −$17.1M | −$27.1M | −$30.1M | −$16.4M | −$28.5M | −$30.2M |
| Acquisitions & other investing | — | −$41.2M | −$6.6M | $0 | $25,000 | $122,000 | $77,000 | $60,000 | $283,000 | $909,000 | $409,000 | $1.1M |
| Cash from investing activities | — | −$42.8M | −$14.0M | −$53.3M | −$39.2M | −$3.4M | −$17.1M | −$27.1M | −$30.1M | −$16.4M | −$28.5M | −$30.2M |
| Financing activities | ||||||||||||
| Share repurchases & issuance (net) | — | — | — | — | −$3.3M | — | — | — | — | — | — | — |
| Net borrowing (repayment) | $11.3M | $3.3M | −$20.4M | $17.0M | $16.0M | −$14.5M | $2.6M | $13.5M | — | — | — | — |
| Shares issued | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other financing | $25.4M | $37.3M | $29.9M | $37.4M | $13.3M | $42.1M | $18.8M | $7.0M | $32.9M | $14.1M | $35.6M | $14.3M |
| Cash from financing activities | $36.7M | $40.6M | $9.5M | $54.4M | $25.9M | $27.6M | $21.4M | $20.5M | $32.9M | $14.1M | $35.6M | $14.3M |
| Summary | ||||||||||||
| Net change in cash | −$54.0M | −$833,000 | −$2.9M | $2.5M | −$11.4M | $25.1M | $4.3M | −$6.9M | $2.6M | −$2.6M | $6.4M | −$14.4M |
| Cash at end of period | $60.0M | $54.0M | $54.8M | $57.7M | $55.2M | $66.6M | $41.5M | $37.2M | $44.1M | $41.5M | $44.2M | $37.8M |
| Free cash flow | $1.0M | $1.4M | $1.5M | $1.4M | $1.9M | $726,000 | −$20,000 | −$394,000 | $67,000 | −$1.3M | −$316,000 | $429,000 |
| Free cash flow margin | 7.5% | 10.5% | 11.7% | 11.3% | 15.6% | 6.7% | −0.2% | −3.7% | 0.7% | −13.3% | −3.6% | 5.4% |
| Capex / revenue | 0.6% | 0.0% | 0.4% | 0.0% | 0.2% | 1.1% | 0.7% | 0.6% | 2.8% | 9.5% | 4.6% | 13.8% |
| Operating cash flow / net income | 0.91 | 1.18 | 1.44 | 1.41 | — | 2.78 | 0.15 | — | −2.00 | −1.85 | −2.67 | 7.18 |
Negative numbers are cash paid out. Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported; data from EODHD.
WSBK cash generation
In fiscal 2026 (ended June 30, 2026), Winchester Bancorp generated $5.4 million of cash from operations (up 118.9%) and spent $0.1 million on capital expenditures, leaving free cash flow of $5.3 million, 10.2% of revenue. Cash and equivalents fell by $55.2 million over the year.
Related: WSBK income statement, WSBK balance sheet. See the WSBK stock overview for the latest quote and news.
WSBK cash flow FAQ
What is Winchester Bancorp's free cash flow?
Winchester Bancorp's free cash flow was $5.3 million in fiscal 2026: $5.4 million of operating cash flow minus $0.1 million of capital expenditures It was $2.2 million a year earlier..
How much cash does Winchester Bancorp generate from operations?
Winchester Bancorp generated $5.4 million of cash from operating activities in fiscal 2026, 1.22 times its net income of $4.4 million.
How much does Winchester Bancorp spend on capital expenditures?
Winchester Bancorp spent $0.1 million on capital expenditures in fiscal 2026, 0.3% of revenue, compared with $0.3 million the year before.