Winchester Bancorp, Inc. (WSBK) AI Stock Analysis

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Winchester Bancorp, Inc.

(NASDAQ:WSBK)

Select Model

Rating:57Neutral

Price Target:$13.00▼(-5.93% Downside)

Action:reiterated

Date:05/14/26

WSBK scores in the mid-range primarily due to improving TTM fundamentals (return to profitability and stronger cash generation), tempered by still-low profitability/ROE and meaningful leverage. Technicals are neutral-to-soft and valuation is less compelling given the ~24.9 P/E with no stated dividend yield.

Positive Factors

Improved cash generationMaterial improvement in operating and free cash flow (TTM) strengthens the firm’s ability to self-fund loan growth, cover provisions, and invest in service capabilities. Sustained positive FCF reduces reliance on external funding and supports balance sheet resilience over months.

Negative Factors

Low profitability metricsPersistently thin net margins and very low ROE constrain the bank’s ability to generate internal capital and returns for shareholders. Over months, low profitability limits reinvestment, hampers buffer accumulation, and makes growth initiatives harder without external capital.

Winchester Bancorp, Inc. (WSBK) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $124.02M
Dividend Yield: ―
Average Volume (3M): 8,439
Price to Earnings (P/E): 26.1
Beta (1Y): -0.06
Revenue Growth: 18.75%
EPS Growth: 578.67%
Country: US
Employees: 71
Sector: General
Sector Strength: 55
Industry: Banks - Regional

Winchester Bancorp, Inc. Business Overview & Revenue Model

Company Description

Winchester Bancorp, Inc. serves as the parent company overseeing Winchester Savings Bank, a financial institution that delivers a broad spectrum of banking solutions across Massachusetts. The firm provides diverse options for depositing funds, includ...

How the Company Makes Money

Winchester Bancorp, Inc. makes money primarily through its bank subsidiary by (1) earning net interest income—the difference between interest earned on interest-earning assets (mainly loans and investment securities) and interest paid on funding sour...

Winchester Bancorp, Inc. Financial Statement Overview

Summary

Financials show a rebound in TTM with restored profitability (positive EBIT and net income) and materially stronger operating/free cash flow. Offsetting this, profitability remains thin (TTM net margin ~4.6%), ROE is low (~1.9%), and results have been volatile across recent years, with leverage still meaningful (TTM debt-to-equity ~1.23).

Income Statement

58Neutral

Balance Sheet

55Neutral

Cash Flow

66Positive

Financial statement breakdown
Breakdown	TTM	Jun 2026	Jun 2025	Jun 2024	Jun 2023
Income Statement
Total Revenue	45.76M	51.65M	44.51M	36.33M	25.78M
Gross Profit	20.25M	25.47M	17.25M	15.32M	17.26M
EBITDA	1.48M	5.72M	-683.00K	1.50M	6.26M
Net Income	720.00K	4.42M	-874.00K	786.00K	4.16M
Balance Sheet
Total Assets	1.01B	1.10B	949.38M	852.97M	750.63M
Cash, Cash Equivalents and Short-Term Investments	56.38M	109.94M	80.51M	75.20M	79.15M
Total Debt	164.00M	158.16M	147.00M	129.47M	91.70M
Total Liabilities	888.22M	975.42M	834.03M	772.68M	673.59M
Stockholders Equity	116.99M	120.51M	115.35M	80.29M	77.05M
Cash Flow
Free Cash Flow	3.93M	0	2.18M	-1.09M	4.74M
Operating Cash Flow	4.16M	0	2.46M	231.00K	437.00K
Investing Cash Flow	-112.97M	0	-86.73M	-105.18M	-121.75M
Financing Cash Flow	129.32M	0	95.39M	96.89M	110.31M

Winchester Bancorp, Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

WSBK against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	73Outperform	$90.20M	10.24	9.42%	4.17%	4.68%	21.56%
PROV	65Neutral	$111.96M	17.84	5.18%	3.07%	0.19%	13.85%
PBHC	58Neutral	$104.04M	-41.47	0.08%	2.43%	-6.61%	-78.36%
WSBK	57Neutral	$124.02M	26.07	3.96%	―	18.75%	578.67%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
FNWB	42Neutral	$94.23M	-1048.39	-0.03%	―	-6.23%	99.32%

* General Sector Average

Performance Comparison

WSBK and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
WSBK	Winchester Bancorp, Inc.	13.82	4.25	44.41%
AUBN	Auburn National Bancorporation	25.93	1.78	7.38%
PBHC	Pathfinder	16.70	2.24	15.49%
PROV	Provident Financial Holdings	18.24	3.23	21.55%
FNWB	First Northwest Bancorp	9.84	0.58	6.26%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: May 14, 2026

Winchester Bancorp, Inc. AI Stock Analysis