Winchester Bancorp, Inc. Common Stock
WSBK · Price history
Price at last available close
$13.28
+$0.56 (+4.45%) 1M
2026-10-28
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Company & revenue
About Winchester Bancorp, Inc. Common Stock
Primary reporting period: 2026-06-30 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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, including standard checking and savings accounts, higher-yield money market accounts, and fixed-term certificates of deposit. Beyond these deposit services, the company offers an extensive range of lending products.
How they make money
Winchester Bancorp, Inc. operates as a bank holding company for Winchester Savings Bank. It generates revenue primarily through net interest income earned on loans and investment securities, as well as non-interest income from banking services provided to its customer base.
Products & services
The company provides retail and commercial banking services, including various deposit products, residential and commercial real estate loans, and consumer lending services.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Strengths
- Strong asset growth and improved net income performanceSource
Risks
- Interest rate fluctuations and credit risk associated with loan portfoliosSource
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
44
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
40
Weak
Financial Strength
35
Business Quality / Moat
70
Management
16
Growth Quality
38
Risk / Durability
30
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
63
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
59/100
Building Historical Record
Model Score 59/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Insider activity signal is favorable
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for WSBK
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can WSBK maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is WSBK's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is WSBK's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
44
Opportunity Score
63
Market Cap
$119.0M
P/E Ratio
26.3
EPS
$0.50
52-Week High
$13.39
52-Week Low
$9.51
Beta
-0.38
Intrinsic Value
$19.25
Shares Outstanding
9.0M
Total Revenue
$51.6M
Total Debt
$158.2M
Dividend
No current dividend
Liquidation Value / Share
$13.43
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for WSBK
Detected from reported data — verify before acting.Debt service risk
Interest coverage is low (~0.2x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on WSBK.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong asset growth and improved net income performance.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate fluctuations and credit risk associated with loan portfolios.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
45
Oct 1, 2026
Change
-0.5
points
Current Score
44
Oct 26, 2026
Category Changes
WSBK decreased 0.5 points because some fundamentals weakened.
Projected Score
Projected Score
42
Projected Change
-2.0 points
Preliminary comparable-period financial changes suggest decline of approximately 2.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$13.28
Model Intrinsic Value
$19.25
Difference
−$5.97
-31.0% vs IV
Margin of Safety
31.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Revenue | $51.6M | $51.6M | $44.5M | $36.3M | ···· |
| Cost of Revenue | $26.2M | $26.2M | $27.3M | $21.0M | ···· |
| Gross Profit | $25.5M | $25.5M | $17.2M | $15.3M | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· |
| SG&A Expenses | $12.4M | $4.4M | $5.4M | $12.2M | ···· |
| Operating Expenses | $19.8M | $19.8M | $18.8M | $14.6M | ···· |
| EBITDA | $6.5M | $5.7M | -$683K | $1.5M | ···· |
| Operating Income | $5.7M | $5.7M | -$1.5M | $754K | ···· |
| Interest Expense | $25.4M | $25.4M | $25.2M | $20.5M | ···· |
| Income Before Tax | $5.7M | $5.7M | -$1.5M | $754K | ···· |
| Income Tax Expense | $1.3M | $1.3M | -$656K | -$32K | ···· |
| Net Income | $4.4M | $4.4M | -$874K | $786K | ···· |
| Basic EPS | $0.50 | $0.49 | $-0.09 | $0.08 | ···· |
| Basic Shares | 8.98M | 8.97M | 9.25M | 9.45M | ···· |
| Diluted Shares | 8.98M | 8.97M | 9.25M | 9.45M | ···· |
Earnings Summary
Revenue
$14.0M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.14
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+7.6%
Cash Change
+8.7%
Margin Change
+16.6 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
What Weakened
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, cash levels, net income margin. Pressure indicators included EPS growth, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 16.8%. EPS declined 247.5%. Cash increased 8.7%. Total debt increased 7.6%. Net income margin improved by 16.6 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalRumor Mill · WSBK
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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