Winchester Bancorp, Inc. (WSBK) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 6.40K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.04
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 71
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 9,295,376
• 10 Day Avg. Volume: 4,279
• 30 Day Avg. Volume: 6,403
• PEG Ratio: 0.45
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 1.86
• P/FCF Ratio: 37.95
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 54 Neutral
• Price Target: $9.50 ▼(-1.35% Downside)

Winchester Bancorp's overall stock score reflects a mixed financial performance with positive cash flow but concerning profitability and leverage. Technical indicators are neutral, and the lack of valuation data limits assessment. The absence of earnings call and corporate events data further impacts the overall evaluation.

Winchester Bancorp, Inc. Business Overview & Revenue Model

Company Description

Winchester Bancorp, Inc. (WSBK) is a financial holding company based in Winchester, Massachusetts, primarily engaged in providing a range of banking and financial services through its subsidiary, Winchester Savings Bank. The company operates in the banking sector, focusing on retail and commercial banking services, including personal and business loans, deposit accounts, and mortgage products. Winchester Bancorp aims to serve the local community by offering personalized financial solutions and maintaining a strong commitment to customer service.

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 other financial instruments. Additionally, Winchester Bancorp earns non-interest income from service fees, account maintenance charges, and transaction fees associated with its banking services. The bank may also engage in strategic partnerships with local businesses and organizations, enhancing its service offerings and expanding its customer base, which can contribute to overall earnings.

Winchester Bancorp, Inc. Financial Statement Overview

Summary

Winchester Bancorp, Inc. demonstrates strong revenue growth, though profitability margins have declined, suggesting cost management challenges. The balance sheet is stable with strong equity, but high leverage poses a risk. Cash flow concerns are notable, particularly negative free cash flow, signaling the need for financial restructuring or improved operational efficiency.

Income Statement

The income statement shows a decrease in both gross profit margin and net profit margin year-over-year, with gross profit margin at 42.2% and net profit margin at 2.2% in the latest period. EBIT and EBITDA margins also declined. However, revenue grew by 40.9%, indicating potential for future profitability if cost control improves.

Balance Sheet

The balance sheet reveals a strong equity position with an equity ratio of 9.4%. However, the debt-to-equity ratio is relatively high at 1.61, indicating significant leverage. There is potential risk associated with high debt levels, but the company has substantial cash reserves, which may mitigate some risk.

Cash Flow

Cash flow analysis shows negative free cash flow, a concerning trend. The free cash flow to net income ratio is negative, suggesting potential liquidity issues. Operating cash flow is positive, slightly offsetting concerns, but the overall cash flow health requires improvement for sustainable operations.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023
Income Statement
Total Revenue	44.50M	44.51M	36.33M	25.78M
Gross Profit	17.25M	17.25M	15.32M	17.26M
EBITDA	-683.00K	-683.00K	1.50M	6.26M
Net Income	-874.00K	-874.00K	786.00K	4.16M
Balance Sheet
Total Assets	949.38M	949.38M	852.97M	750.63M
Cash, Cash Equivalents and Short-Term Investments	80.51M	80.51M	75.20M	79.15M
Total Debt	147.00M	147.00M	129.47M	91.70M
Total Liabilities	834.03M	834.03M	772.68M	673.59M
Stockholders Equity	115.35M	115.35M	80.29M	77.05M
Cash Flow
Free Cash Flow	2.18M	2.18M	-1.09M	4.74M
Operating Cash Flow	2.46M	2.46M	231.00K	437.00K
Investing Cash Flow	-86.73M	-86.73M	-105.18M	-121.75M
Financing Cash Flow	95.39M	95.39M	96.89M	110.31M

Winchester Bancorp, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	―	$49.85M	11.02	8.21%	3.25%	0.32%	37.93%
AUBN	―	$89.09M	12.46	8.22%	4.24%	16.08%	739.42%
FUSB	―	$76.32M	14.28	5.50%	2.11%	1.28%	-35.83%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WSBK	―	―	―	―	―	―	―
KFFB	―	$32.19M	178.48	0.38%	―	19.55%	―