OakChart

Winchester Bancorp Inc

WSBKFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET

13.84+0.16 (1.17%)
2026-11-12 04:04 CET
Market cap
128.65 USD m
Revenue, TTM
- USD m
Net income, TTM
4.73 USD m
Free cash flow, TTM
5.64 USD m
EPS diluted, TTM
0.52
P/E
26.52
Compare

Price

WSBK against its 20, 50 and 200-day averages
2050200
11.0012.0013.0014.0019K38KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26WSBKclose 13.8420-day 13.3350-day 13.08200-day 12.8813.84

At the 52-week high of 13.84 on 11 Nov 2026. 52-week low 9.52 on 18 Nov 2025. Last 15 sessions, 6.8% high to low

Volume 0.36× normal · the line is the 50-bar volume average

Profile

WSBK
52-week range, 100% of the way up
9.5213.74

Winchester Bancorp, Inc. operates as an investment holding company of Winchester Savings Bank which engages in providing banking services. Its personal banking products and services include deposits, such as Nexus and Nexus Plus, checking, savings, money market, certificates of deposit, and individual retirement accounts, loans, including mortgage, home equity, and consumer loans, and services, such as convenience services, Internet and mobile banking, insurance products, and other services. The company was founded on March 3, 1871 and is headquartered in Winchester, MA.

Employees71
IPOMay 02, 2025
Beta-0.33
ATR, 14d0.12
Rel volume0.36
Short float0.31%
Insider own60.96%
Inst own8.35%

Snapshot

6 groups

Valuation

Index-
Market Cap124.01M
Enterprise Value-
Income4.73M
Sales54.34M
Book/sh12.87
Cash/sh-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees71
IPOMay 02, 2025

Ratios

P/E26.52
Forward P/E-
PEG-
P/S2.28
P/B1.08
P/C-
P/FCF21.99
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio1.06
Debt/Eq1.25
LT Debt/Eq1.25
Option/ShortNo / Yes

Earnings

EPS (ttm)0.52
EPS next Y-
EPS next Q-
EPS this Y-
EPS next Y-
EPS next 5Y-
EPS past 3/5Y3.82% -
Sales past 3/5Y26.06% -
EPS Y/Y TTM578.67%
Sales Y/Y TTM18.75%
EPS Q/Q31.59%
Sales Q/Q22.45%
Earnings-
EPS/Sales Surpr.- -

Ownership

Insider Own60.96%
Insider Trans0.02%
Inst Own8.35%
Inst Trans0.25%
ROA0.44%
ROE4.00%
ROIC1.75%
Gross Margin-
Oper. Margin11.15%
Profit Margin8.70%
SMA203.82%
SMA505.79%
SMA2007.48%
Trades-

Technical

Shs Outstand9.30M
Shs Float3.63M
Short Float0.31%
Short Ratio1.22
Short Interest0.01M
52W High13.74 0.73%
52W Low9.52 45.38%
Volatility0.68% 0.84%
ATR (14)0.12
RSI (14)82.02
Beta-0.33
Rel Volume0.36
Avg Volume9.22K
Volume3,293

Performance

Perf Week1.47%
Perf Month7.25%
Perf Quarter6.71%
Perf Half Y8.38%
Perf YTD32.44%
Perf Year43.87%
Perf 3Y-
Perf 5Y-
Perf 10Y-
Recom-
Target Price-
Prev Close13.68
Price13.84
Change %1.17%

Peers

Mkt cap
TickerCompanyMkt cap
ECBKECB Bancorp Inc182.70M
AVBCAvidia Bancorp Inc452.53M
NBBKNB Bancorp Inc903.53M
WNEBWestern New England Bancorp Inc270.89M
HIFSHingham Institution For Savings667.59M
BSBKBogota Financial Corp118.58M
LSBKLake Shore Bancorp Inc146.42M
MGYRMagyar Bancorp Inc140.60M
PNBKPatriot National Bancorp Inc106.34M
PBHCPathfinder Bancorp Inc104.04M

Insider trading

5 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Merritt Edward JDirectorMay 26 '26Buy12.7691511,67520,915May 27 04:54 PM
Carroll John APresident & CEOMay 21 '26Buy12.755063850May 22 11:58 AM
Snow John Ingalls IIIDirectorMay 07 '26Buy12.791,72522,05919,735May 08 10:06 AM
Snow John Ingalls IIIDirectorMay 05 '26Buy12.876,11078,63618,610May 06 01:24 PM
Boodakian Stephen HarryDirectorMay 01 '26Buy12.932,50032,3252,500May 05 09:37 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWCiShares Micro-Cap ETFAUM: 1.22B

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-04-29--0.1286.66--
2026Q22026-01-28--0.1206.45--
2026Q12025-10-22--0.1075.75--

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
No annual earnings.

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
No estimate revisions.

Estimate history

EPS, annual0.440.083-0.0950.4930.5219
Period2023202420252026TTM
EPS, quarterly-0.0670.040.033-0.1030.1070.120.1280.1330.141
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27
Sales, annual25.78236.32844.50551.64854.34
Period2023202420252026TTM
Sales, quarterly10.73210.89510.91211.96511.98912.79612.88313.98114.681
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27
Shares, annual9.4469.4468.9619.2959.295
Period2023202420252026MRQ
Shares, quarterly9.4469.4469.2958.9619.2959.2959.2959.2959.295
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27

Income statement, annual

Currency USD, millions
MetricTTM2026FY2025FY2024FY2023FY
Interest Income52.6350.3842.7134.8624.87
Total Interest Expense26.1925.3925.1920.497.12
Net Interest Income26.4424.9917.5214.3717.75
Loan Loss Provision1.520.792.070.511.40
Net Interest Income After Loan Loss Provision24.9124.2015.4613.8616.35
Non-Interest Income1.721.271.791.470.91
Non-Interest Expense20.5719.7518.7814.8814.97
Operating Income6.065.72-1.530.442.29
Unusual Expense0.000.000.000.000.00
Net Income Before Taxes6.065.72-1.530.755.62
Income Taxes1.331.30-0.66-0.031.46
Consolidated Net Income4.734.42-0.870.794.16
Net Income From Continuing Operations4.734.42-0.870.794.16
Net Income4.734.42-0.870.794.16
EPS (Recurring)0.530.49-0.090.080.44
EPS (Basic, Before Extraordinaries)0.520.49-0.090.080.44
EPS (Diluted)0.520.49-0.090.080.44
Non-Operating Income (Expense)0.000.000.000.313.33
Other After Tax Adjustments0.000.000.000.000.00
Stock Option Compensation Expense-0.150.02--
Price To Earnings Ratio26.5226.52---
Price To Sales Ratio2.132.281.86--
Operating Margin11.1511.07-3.441.218.89
Net Margin8.708.56-1.962.1616.14
Shares Outstanding9.309.308.969.459.45
Market Capitalization128.65128.6583.1983.47-

Income statement, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q42025Q32025Q2
Interest Income14.1813.5112.5212.4111.9411.3610.6110.51
Total Interest Expense7.006.626.226.356.206.016.246.48
Net Interest Income7.196.896.306.065.745.354.374.03
Loan Loss Provision0.410.400.330.39-0.320.69-0.020.24
Net Interest Income After Loan Loss Provision6.776.505.975.676.064.664.393.79
Non-Interest Income0.500.470.370.380.050.600.300.39
Non-Interest Expense5.625.414.844.714.796.754.323.77
Operating Income1.661.561.491.351.32-1.490.370.41
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes1.661.561.491.351.32-1.490.370.41
Income Taxes0.390.320.350.280.36-0.570.070.04
Consolidated Net Income1.271.241.151.070.96-0.920.300.37
Net Income From Continuing Operations1.271.241.151.070.96-0.920.300.37
Net Income1.271.241.151.070.96-0.920.300.37
EPS (Recurring)0.140.130.130.120.11-0.100.030.04
EPS (Basic, Before Extraordinaries)0.140.130.130.120.11-0.100.030.04
EPS (Diluted)0.140.130.130.120.11-0.100.030.04
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Price To Earnings Ratio26.5252.1480.79-----
Price To Sales Ratio2.132.362.301.971.871.80--
Operating Margin11.2711.1411.6010.5510.99-12.423.413.80
Net Margin8.648.878.898.398.02-7.692.803.42
Shares Outstanding9.309.309.309.309.308.969.309.45
Market Capitalization128.65122.14118.0597.1488.7783.1983.47-

Balance sheet, annual

Currency USD, millions
Metric2026FY2025FY2024FY2023FY
Cash & Due from Banks1.287.513.1815.94
Investments190.60158.52135.44113.60
Net Loans870.77751.22681.95596.39
Investment in Unconsolidated Affiliates0.000.000.000.00
Customer Liability on Acceptances0.000.000.000.00
Net Property, Plant & Equipment5.596.426.986.10
Interest Receivables4.033.333.172.26
Deferred Tax Assets3.233.292.292.96
Other Intangible Assets22.5721.1722.2415.68
Total Assets1,098.08951.45855.26752.93
Total Deposits809.24679.18635.39576.36
Total Debt159.60148.51131.1991.70
Long Term Debt67.3423.2321.9269.00
Provision for Risks Charges0.751.190.000.00
Deferred Tax Liabilities2.142.082.362.30
Other Liabilities5.845.156.025.53
Total Liabilities977.56836.10774.97675.88
Preferred Stock - Carrying Value0.000.000.000.00
Common Equity120.51115.3580.2977.05
Total Shareholders Equity120.51115.3580.2977.05
Accumulated Minority Interest0.000.000.000.00
Total Equity120.51115.3580.2977.05
Total Liabilities & Stockholders Equity1,098.08951.45855.26752.93
Book Value Per Share12.9612.878.508.16
Tangible Book Value Per Share12.9612.878.508.16
Full-Time Employees71717177
Price to Book Ratio1.081.051.06-
Return on Assets0.43-0.100.10-
Return on Equity3.75-0.891.00-
Return on Invested Capital2.35-0.630.772.85
Current Ratio0.090.100.090.13

Cash flow, annual

Currency USD, millions
MetricTTM2026FY2025FY2024FY2023FY
Funds from Operations6.826.152.091.182.64
Extraordinary Item0.000.000.000.000.00
Changes in Working Capital-0.60-0.750.38-0.98-2.36
Cash from Operating Activities6.215.402.460.200.28
Capital Expenditures-5.57-0.14-0.28-5.32-6.00
Net Assets From Acquisitions0.000.000.000.000.00
Sale of Fixed Assets and Businesses-0.010.000.000.004.30
Purchase or Sale of Investments-11.57-20.55-14.68-14.673.38
Purchase of Investments-39.21-56.22-46.11-26.48-8.88
Sale Or Maturity of Investments27.6335.6731.4311.8112.26
Other Uses0.000.000.000.000.00
Other Sources0.000.000.000.000.00
Cash from Investing Activities-133.09-141.86-86.73-105.15-121.60
Cash Dividends Paid0.000.000.000.000.00
Change in Capital Stock0.000.0034.460.000.00
Repurchase of Common Pref Stock0.000.00-3.350.000.00
Sale of Common Pref Stock0.000.0037.800.000.00
Proceedsfrom Stock Options0.000.0037.800.000.00
Issuance or Reduction of Debt, Net-14.0811.1617.5337.7783.70
Change in Long Term Debt7.9218.164.0041.0064.00
Issuance of Long Term Debt55.0045.0017.00190.00112.00
Reduction of Long Term Debt-47.08-26.84-13.00-149.00-48.00
Net Financing Active Other Cash Flow0.180.05-0.390.08-0.04
Other Financing Activities Uses-0.00-0.50--0.04
Cash from Financing Activities132.33141.2695.3996.89110.31
Net Change in Cash5.464.8011.13-8.06-11.00
Free Cash Flow5.645.252.18-1.120.28
Preferred Dividends (Cash Flow)-0.000.000.000.00
Price to Free Cash Flow20.5522.4337.95--
Federal Home Loan Advances Increase (Decrease)--0.51-0.52-1.79-3.26

Balance sheet, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q4
Cash & Due from Banks1.371.281.531.071.657.51
Investments191.27190.60182.62182.62178.35158.52
Net Loans908.70870.77840.54800.15793.18751.22
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment5.805.595.715.936.196.42
Interest Receivables3.824.033.623.633.463.33
Deferred Tax Assets1.733.231.080.991.033.29
Other Intangible Assets28.5022.5722.0021.5821.3521.17
Total Assets1,141.191,098.081,057.101,015.971,005.21951.45
Total Deposits862.65809.24783.70746.32716.42679.18
Total Debt149.92159.60146.88143.60164.00148.51
Long Term Debt149.9267.34146.88143.60164.0023.23
Provision for Risks Charges0.810.750.980.000.391.19
Deferred Tax Liabilities-2.14---2.08
Other Liabilities8.175.846.407.807.415.15
Total Liabilities1,021.56977.56937.96897.72888.22836.10
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity119.63120.51119.14118.25116.99115.35
Total Shareholders Equity119.63120.51119.14118.25116.99115.35
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity119.63120.51119.14118.25116.99115.35
Total Liabilities & Stockholders Equity1,141.191,098.081,057.101,015.971,005.21951.45
Book Value Per Share12.8712.9612.8212.7212.5912.87
Tangible Book Value Per Share12.8712.9612.8212.7212.5912.87
Full-Time Employees-71---71
Price to Book Ratio1.081.031.000.831.121.05
Return on Assets0.440.430.230.150.08-
Return on Equity4.003.752.261.430.73-
Return on Invested Capital0.470.660.430.410.34-0.66
Current Ratio1.060.090.910.910.960.10

Cash flow, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q4
Funds from Operations1.801.671.401.951.130.31
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital0.37-0.53-0.05-0.400.231.58
Cash from Operating Activities2.171.131.361.551.361.89
Capital Expenditures-5.43-0.090.00-0.050.00-0.03
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.00-0.010.010.00
Purchase or Sale of Investments-1.27-1.37-1.58-7.35-10.25-15.03
Purchase of Investments-3.73-15.71-7.82-11.95-20.74-19.61
Sale Or Maturity of Investments2.4614.346.244.6010.494.59
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-44.54-31.75-42.78-14.02-53.31-39.22
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.000.000.000.000.0034.46
Repurchase of Common Pref Stock0.000.000.000.000.00-3.35
Sale of Common Pref Stock0.000.000.000.000.0037.80
Proceedsfrom Stock Options0.000.000.000.000.0037.80
Issuance or Reduction of Debt, Net-8.2311.283.29-20.4017.0016.00
Change in Long Term Debt-26.2328.77-6.2111.60-16.00-13.00
Issuance of Long Term Debt10.0045.000.000.000.00-13.00
Reduction of Long Term Debt-36.23-16.23-6.2111.60-16.000.00
Net Financing Active Other Cash Flow0.32-0.11-0.070.040.19-0.61
Other Financing Activities Uses-0.000.000.000.00-
Cash from Financing Activities45.4936.7140.599.5454.4325.95
Net Change in Cash3.136.09-0.83-2.932.47-11.37
Free Cash Flow1.751.041.361.501.361.87
Price to Free Cash Flow20.5523.2418.7417.2021.7736.77

Revenue breakdown

Savings Institutions, Not Federally Chartered2025: 19.31M 2026: 26.26M
United States2025: 19.31M 2026: 26.26M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-300.31%0.0M3.6M8.54K
2026-10-150.44%0.0M3.6M7.88K
2026-09-300.57%0.0M3.6M7.09K
2026-09-150.34%0.0M3.6M7.51K
2026-08-310.37%0.0M3.6M7.14K
2026-08-140.46%0.0M3.6M7.15K
2026-07-310.51%0.0M3.6M6.57K
2026-07-150.48%0.0M3.6M6.78K
2026-06-300.50%0.0M3.6M6.96K
2026-06-150.42%0.0M3.6M6.36K
2026-05-290.48%0.0M3.6M7.79K
2026-05-150.46%0.0M3.6M8.69K
2026-04-300.55%0.0M3.6M9.92K
2026-04-150.65%0.0M3.6M9.77K
2026-03-310.55%0.0M3.6M11.33K
2026-03-130.79%0.0M3.6M13.69K
2026-02-270.80%0.0M3.6M13.25K
2026-02-130.87%0.0M3.6M12.50K
2026-01-300.66%0.0M3.6M10.36K
2026-01-150.44%0.0M3.6M10.15K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-058-KCurrent report2026-11-04SEC
2026-11-04S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-11-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-288-KCurrent report2026-10-28SEC
2026-09-308-KCurrent report2026-09-30SEC
2026-09-28DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-09-28SEC
2026-09-28ARSAnnual report to security holders. 2026-06-30SEC
2026-09-1610-KAnnual report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-308-KCurrent report2026-07-30SEC
2026-05-274Statement of changes in beneficial ownership of securities2026-05-26SEC
2026-05-224Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-1310-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-07SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-054Statement of changes in beneficial ownership of securities2026-05-01SEC
2026-04-298-KCurrent report2026-04-29SEC
2026-02-1110-QQuarterly report pursuant to Section 13 or 15(d)2025-12-31SEC
2026-01-288-KCurrent report2026-01-28SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-05145.33K500
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
MANGROVE PARTNERS IM, LLC2.00%
VANGUARD CAPITAL MANAGEMENT LLC1.93%
Northstar Financial Companies, Inc.0.75%
Integrated Wealth Concepts LLC0.61%
Oppenheimer & Close, LLC0.54%
RENAISSANCE TECHNOLOGIES LLC0.34%
GEODE CAPITAL MANAGEMENT, LLC0.30%
RFG - Bristol Wealth Advisors, LLC0.30%
ALLIANCEBERNSTEIN L.P.0.27%
VANGUARD FIDUCIARY TRUST CO0.24%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND1.42%
VANGUARD EXTENDED MARKET INDEX FUND0.48%
Fidelity Extended Market Index Fund0.16%
iShares Micro-Cap ETF0.14%
Fidelity Series Total Market Index Fund0.07%
VANGUARD BALANCED INDEX FUND0.02%
Fidelity Total Market Index Fund0.01%
1290 VT Micro Cap Portfolio0.01%
Victory Extended Market Index Fund0.00%

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