WSBK Winchester Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Sep 16, 2026
$12.91
· of 52w range
· above low
· to high
$9.4652w low
$13.3252w high
Market Cap (MRQ)
$120M
P/E
26.3
EPS
$0.49
your badges
52W Range
$9–$13
Analyst Rating
·
Price Target
·
P/E
26.3
ROE
3.7%
Net Profit Margin
16.8%
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WSBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$12.91
Market Cap (MRQ)
$120M
P/E
26.3
EPS
$0.49
ROE
3.7%
52W Range
$9–$13
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$0.492025-06-30 → 2026-06-30
Net margin16.8%2025-06-30 → 2026-06-30
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | WSBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 26.3 | · | 11.7 | Overvalued | |
| P/S | 4.6 | · | 3.8 | Overvalued | |
| P/B (MRQ) | 1.0 | · | 1.1 | Fair value | |
| Price / Cash Flow | 22.2 | · | · | · | |
| Price / Tangible Book | 1.0 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | WSBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 21.8% | · | 28.1% | Weak | |
| Net Profit Margin | 16.8% | · | 23.2% | Weak | |
| ROA | 0.43% | · | 0.66% | Weak | |
| ROE | 3.7% | · | 5.9% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | WSBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 36.0% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | WSBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | Weak |
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 20, 2026
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2026 | 2025 | 2024 |
|---|---|---|---|---|
| Interest Income | $50M | $43M | $35M | |
| Pretax Income | $6M | $-2M | $754.0K | |
| Income Tax | $1M | $-656.0K | $-32.0K | |
| Net Income | $4M | $-874.0K | $786.0K | |
| EPS (Basic) | $0.49 | $-0.10 | · | |
| EPS (Diluted) | $0.49 | $-0.10 | · | |
| Shares (Basic) | 8,971,061 | 8,961,476 | · | |
| Shares (Diluted) | 8,971,061 | 8,961,476 | · |
Balance Sheet
| Metric | Trend | 2026 | 2025 | 2024 |
|---|---|---|---|---|
| Cash & Equivalents | $60M | $55M | $44M | |
| Short-term Investments | $0 | $0 | · | |
| PP&E (Net) | $6M | $6M | $7M | |
| PP&E (Gross) | $15M | $15M | $14M | |
| Accum. Depreciation | $9M | $8M | $8M | |
| Total Assets | $1.10B | $949M | $853M | |
| Deferred Tax | · | · | $70.0K | |
| Total Liabilities | $975M | $834M | $773M | |
| Common Stock | $93.0K | $93.0K | · | |
| Paid-in Capital | $40M | $40M | · | |
| Retained Earnings | $85M | $81M | $82M | |
| AOCI | $-1M | $-2M | $-2M | |
| Stockholders' Equity | $121M | $115M | $80M | |
| Liabilities + Equity | $1.10B | $949M | $853M | |
| Shares Outstanding | 9,295,376 | 9,295,376 | 0 |
Cash Flow
| Metric | Trend | 2026 | 2025 | 2024 |
|---|---|---|---|---|
| D&A | $970.0K | $847.0K | $750.0K | |
| Deferred Tax | $-64.0K | $-1M | $-159.0K | |
| Operating Cash Flow | $5M | $2M | $231.0K | |
| Investing Cash Flow | $-142M | $-87M | $-105M | |
| Stock Issued | $0 | $38M | · | |
| Stock Repurchased | $0 | $3M | · | |
| Net Stock Activity | $0 | $34M | · | |
| Financing Cash Flow | $141M | $95M | $97M | |
| Net Change in Cash | $5M | $11M | $-8M | |
| Taxes Paid | $1M | $-439.0K | $-478.0K |
Profitability
| Metric | Trend | 2026 | 2025 | 2024 |
|---|---|---|---|---|
| Net Margin | 16.8% | -4.5% | · | |
| Pretax Margin | 21.8% | -7.9% | · | |
| ROA | 0.43% | -0.10% | · | |
| ROE | 3.7% | -0.89% | · |
Efficiency
| Metric | Trend | 2026 | 2025 | 2024 |
|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2026 | 2025 | 2024 |
|---|---|---|---|---|
| Book Value / Share | $12.96 | $12.41 | · | |
| Revenue / Share | $2.93 | $2.09 | · | |
| Cash Flow / Share | $0.60 | $0.27 | · | |
| Cash / Share | $6.46 | $5.94 | · | |
| EPS (TTM) | $0.49 | $-0.09 | · |
Growth Rates
| Metric | Trend | 2026 | 2025 | 2024 |
|---|---|---|---|---|
| Revenue YoY | 36.0% | 19.6% | · |
Valuation (TTM)
| Metric | Trend | 2026 | 2025 | 2024 |
|---|---|---|---|---|
| Revenue TTM | $26M | $19M | · | |
| Net Income TTM | $4M | $-874.0K | · | |
| Market Cap | $122M | $83M | · | |
| P/E | 26.8 | -99.4 | · | |
| P/S | 4.7 | 4.3 | · | |
| P/B | 1.0 | 0.7 | · | |
| P / Tangible Book | 1.0 | 0.7 | · | |
| P / Cash Flow | 22.6 | 33.7 | · | |
| Earnings Yield | 3.7% | -1.0% | · |
Income Statement
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Expenses | · | · | · | · | · | $4M | $4M | · | · | $4M | $4M | |
| Interest Income | $14M | $13M | $12M | $12M | $11M | $11M | $11M | $10M | $10M | $9M | $8M | |
| Other Non-op | · | · | · | · | · | $299.0K | $388.0K | · | · | $478.0K | $697.0K | |
| Pretax Income | $2M | $1M | $1M | $1M | $-1M | $372.0K | $414.0K | $-830.0K | $-5.0K | $173.0K | $328.0K | |
| Income Tax | $318.0K | $349.0K | $276.0K | $356.0K | $-566.0K | $67.0K | $41.0K | $-198.0K | $-113.0K | $-19.0K | $56.0K | |
| Net Income | $1M | $1M | $1M | $962.0K | $-920.0K | $305.0K | $373.0K | $-632.0K | $108.0K | $192.0K | $272.0K | |
| EPS (Basic) | $0.13 | $0.13 | $0.12 | $0.11 | · | · | · | · | · | · | · | |
| EPS (Diluted) | $0.13 | $0.13 | $0.12 | $0.11 | · | · | · | · | · | · | · | |
| Shares (Basic) | · | 8,973,154 | 8,969,031 | 8,964,893 | · | · | · | · | · | · | · | |
| Shares (Diluted) | · | 8,973,154 | 8,969,031 | 8,964,893 | · | · | · | · | · | · | · |
Balance Sheet
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $60M | $54M | $55M | $58M | $55M | $67M | $42M | · | $44M | · | · | |
| Short-term Investments | $0 | · | · | · | $0 | · | · | · | · | · | · | |
| PP&E (Net) | $6M | $6M | $6M | $6M | $6M | $7M | $7M | · | $7M | · | · | |
| PP&E (Gross) | $15M | · | · | · | $15M | · | · | · | $14M | · | · | |
| Accum. Depreciation | $9M | · | · | · | $8M | · | · | · | $8M | · | · | |
| Total Assets | $1.10B | $1.06B | $1.02B | $1.01B | $949M | $923M | $894M | · | $853M | · | · | |
| Deferred Tax | · | · | · | · | · | $235.0K | $154.0K | · | $70.0K | · | · | |
| Total Liabilities | $975M | $938M | $898M | $888M | $834M | $842M | $814M | · | $773M | · | · | |
| Common Stock | $93.0K | $93.0K | $93.0K | $93.0K | $93.0K | · | · | · | · | · | · | |
| Paid-in Capital | $40M | $40M | $40M | $40M | $40M | · | · | · | · | · | · | |
| Retained Earnings | $85M | $84M | $83M | $82M | $81M | $82M | $82M | · | $82M | · | · | |
| AOCI | $-1M | $-1M | $-928.0K | $-1M | $-2M | $-1M | $-2M | · | $-2M | · | · | |
| Stockholders' Equity | $121M | $119M | $118M | $117M | $115M | $81M | $80M | · | $80M | · | · | |
| Liabilities + Equity | $1.10B | $1.06B | $1.02B | $1.01B | $949M | $923M | $894M | · | $853M | · | · | |
| Shares Outstanding | 9,295,376 | 9,295,376 | 9,295,376 | 9,295,376 | 9,295,376 | · | · | · | 0 | · | · |
Cash Flow
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $213.0K | $213.0K | $321.0K | $223.0K | $220.0K | $206.0K | $212.0K | $209.0K | $210.0K | $196.0K | · | |
| Deferred Tax | $-127.0K | $-225.0K | $224.0K | $64.0K | $-1M | $0 | · | · | · | · | · | |
| Operating Cash Flow | $1M | $1M | $2M | $1M | $2M | $848.0K | $57.0K | $-334.0K | $-216.0K | $-357.0K | · | |
| Investing Cash Flow | $-32M | $-43M | $-14M | $-53M | $-39M | $-3M | $-17M | $-27M | $-30M | $-16M | · | |
| Financing Cash Flow | $37M | $41M | $10M | $54M | $26M | $28M | $21M | $20M | $33M | $14M | · | |
| Net Change in Cash | $6M | $-833.0K | $-3M | $2M | $-11M | $25M | $4M | $-7M | $3M | $-3M | · | |
| Taxes Paid | $150.0K | $305.0K | $270.0K | $641.0K | $-671.0K | $202.0K | $15.0K | $15.0K | $-953.0K | $5.0K | · |
Profitability
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | · | 17.2% | 16.7% | 16.6% | · | 7.0% | 9.2% | · | · | · | · | |
| Pretax Margin | · | 22.4% | 20.9% | 22.8% | · | 8.5% | 10.3% | · | · | · | · | |
| ROA | · | 0.12% | 0.11% | 0.19% | · | 0.07% | 0.08% | · | · | · | · | |
| ROE | · | 1.1% | 1.1% | 1.6% | · | 0.75% | 0.93% | · | · | · | · |
Efficiency
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | · | · | · | · |
Per Share
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | $12.82 | $12.72 | $12.59 | · | · | · | · | · | · | · | |
| Revenue / Share | · | $0.74 | $0.72 | $0.65 | · | · | · | · | · | · | · | |
| Cash Flow / Share | · | · | · | $0.15 | · | · | · | · | · | · | · | |
| Cash / Share | · | $5.80 | $5.89 | $6.21 | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | · | $25M | $23M | $21M | · | $17M | $16M | $15M | · | · | · | |
| Net Income TTM | · | $2M | $1M | $720.0K | · | $154.0K | $41.0K | $-60.0K | · | · | · | |
| Market Cap | · | $118M | $97M | $89M | · | · | · | · | · | · | · | |
| P/S | · | 4.7 | 4.2 | 4.3 | · | · | · | · | · | · | · | |
| P/B | · | 1.0 | 0.8 | 0.8 | · | · | · | · | · | · | · | |
| P / Tangible Book | · | 1.0 | 0.8 | 0.8 | · | · | · | · | · | · | · | |
| P / Cash Flow | · | · | · | 65.4 | · | · | · | · | · | · | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 |
|---|---|---|---|
| Net Income | $4M | $-874.0K | $786.0K |
| Diluted EPS | $0.49 | $-0.10 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
No data for this statement
Not enough fundamentals data to build this statement yet.
Institutional owners (13F) 22 filers · $10.7M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
22
Value held
$10.7M
New positions
5
Exited positions
3
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 5 (+2 vs prior Q) | 3 (0 vs prior Q) | 4 (+1 vs prior Q) | 3 (0 vs prior Q) | +9K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| MANGROVE PARTNERS IM, LLC | $2,446,681 | 186,201 | 22.84% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $2,351,285 | 178,941 | 21.95% | Shares |
| Northstar Financial Companies, Inc. | $919,800 | 70,000 | 8.59% | Shares |
| VANGUARD GROUP INC | $749,641 | 71,736 | 7.00% | Shares |
| Integrated Wealth Concepts LLC | $748,980 | 57,000 | 6.99% | Shares |
| Oppenheimer & Close, LLC | $657,000 | 50,000 | 6.13% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $412,596 | 31,400 | 3.85% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $381,809 | 29,037 | 3.56% | Shares |
| ALLIANCEBERNSTEIN L.P. | $313,131 | 24,656 | 2.92% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $298,383 | 22,708 | 2.79% | Shares |
| RAYMOND JAMES FINANCIAL INC | $262,800 | 20,000 | 2.45% | Shares |
| Steward Partners Investment Advisory, LLC | $251,329 | 19,127 | 2.35% | Shares |
| EagleClaw Capital Managment, LLC | $210,240 | 16,000 | 1.96% | Shares |
| LPL Financial LLC | $203,670 | 15,500 | 1.90% | Shares |
| BlackRock, Inc. | $186,614 | 14,202 | 1.74% | Shares |
| RFG - Bristol Wealth Advisors, LLC | $133,476 | 10,158 | 1.25% | Shares |
| Sachetta, LLC | $105,120 | 8,000 | 0.98% | Shares |
| EASTERN BANK | $52,560 | 4,000 | 0.49% | Shares |
| ROYAL BANK OF CANADA | $26,000 | 2,000 | 0.24% | Shares |
| Tower Research Capital LLC (TRC) | $2,063 | 157 | 0.02% | Shares |
| UBS Group AG | $237 | 18 | 0.00% | Shares |
| OSAIC HOLDINGS, INC. | $210 | 16 | 0.00% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Winchester Bancorp, MHC | May 14, 2025 | 55.00% | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 5 insiders · 1 officers · 5 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| John A Carroll | President & CEO | May 21, 2026 P | 50 | 1 | 0 | $638 |
| Edward J Merritt | Director | May 26, 2026 P | 20,915 | 1 | 0 | $11,675 |
| John Ingalls Snow III | Director | May 7, 2026 P | 19,735 | 3 | 0 | $100,695 |
| Stephen Harry Boodakian | Director | May 1, 2026 P | 2,500 | 1 | 0 | $32,325 |
| William Preston Hood | Director | June 10, 2025 P | 51,050 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 3 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
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Source: SEC 10-K filed Sep 16, 2026