Winchester Bancorp Inc Financials
This page shows Winchester Bancorp Inc (WSBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Winchester Bancorp Inc passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Winchester Bancorp Inc generates $-2.82 in operating cash flow ($2.5M OCF vs -$874K net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Winchester Bancorp Inc generated $42.7M in revenue in fiscal year 2025. This represents an increase of 22.5% from the prior year.
Winchester Bancorp Inc reported -$874K in net income in fiscal year 2025. This represents a decrease of 211.2% from the prior year.
Winchester Bancorp Inc earned $-0.09 per diluted share (EPS) in fiscal year 2025.
Winchester Bancorp Inc held $55.2M in cash against $0 in long-term debt as of fiscal year 2025.
Winchester Bancorp Inc had 9M shares outstanding in fiscal year 2025.
Winchester Bancorp Inc's net profit margin was -2.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 4.3 percentage points from the prior year.
Winchester Bancorp Inc's ROE was -0.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.7 percentage points from the prior year.
Winchester Bancorp Inc spent $3.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
WSBK Income Statement
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $12K-99.9% | $12.4M+4.0% | $11.9M+5.1% | $11.4M+7.1% | $10.6M+1.0% | $10.5M+2.7% | $10.2M | N/A |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $6K-99.9% | $6.4M+2.5% | $6.2M+3.1% | $6.0M-3.7% | $6.2M-3.6% | $6.5M+0.2% | $6.5M | N/A |
| Income Tax | $276-99.9% | $276K-22.5% | $356K+162.9% | -$566K-944.8% | $67K+63.4% | $41K+120.7% | -$198K | N/A |
| Net Income | $1K-99.9% | $1.1M+11.6% | $962K+204.6% | -$920K-401.6% | $305K-18.2% | $373K+159.0% | -$632K | N/A |
| EPS (Diluted) | $0.120.0% | $0.12+9.1% | $0.11 | N/A | N/A | N/A | N/A | N/A |
WSBK Balance Sheet
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.0M-99.9% | $1.0B+1.1% | $1.0B+5.9% | $949.4M+2.8% | $923.1M+3.2% | $894.1M | N/A | $853.0M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $55K-99.9% | $54.8M-5.1% | $57.7M+4.5% | $55.2M-17.1% | $66.6M+60.3% | $41.5M+11.6% | $37.2M-15.6% | $44.1M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $898K-99.9% | $897.7M+1.1% | $888.2M+6.5% | $834.0M-1.0% | $842.2M+3.5% | $813.8M | N/A | $772.7M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $118K-99.9% | $118.2M+1.1% | $117.0M+1.4% | $115.4M+42.6% | $80.9M+0.7% | $80.3M+0.1% | $80.2M-0.1% | $80.3M |
| Retained Earnings | $83K-99.9% | $82.8M+1.3% | $81.7M+1.2% | $80.7M-1.7% | $82.1M+0.4% | $81.8M | N/A | $82.1M |
WSBK Cash Flow Statement
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3K-99.8% | $1.6M+14.3% | $1.4M-28.4% | $1.9M+123.3% | $848K+1387.7% | $57K+117.1% | -$334K-54.6% | -$216K |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | $67K+100.5% | -$14.0M+73.7% | -$53.3M-35.9% | -$39.2M-1063.4% | -$3.4M+80.3% | -$17.1M+36.9% | -$27.1M+10.0% | -$30.1M |
| Financing Cash Flow | $64K-99.3% | $9.5M-82.5% | $54.4M+109.7% | $25.9M-6.0% | $27.6M+29.2% | $21.4M+4.2% | $20.5M-37.6% | $32.9M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
WSBK Financial Ratios
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 8.6%0.0pp | 8.6%+0.6pp | 8.1%+16.2pp | -8.1%-11.0pp | 2.9%-0.7pp | 3.5%+9.7pp | -6.2% | N/A |
| Return on Equity | 0.9%0.0pp | 0.9%+0.1pp | 0.8%+1.6pp | -0.8%-1.2pp | 0.4%-0.1pp | 0.5%+1.2pp | -0.8% | N/A |
| Return on Assets | 0.1%0.0pp | 0.1%+0.0pp | 0.1%+0.2pp | -0.1%-0.1pp | 0.0%-0.0pp | 0.0% | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.590.0 | 7.590.0 | 7.59+0.4 | 7.23-3.2 | 10.41+0.3 | 10.13 | N/A | 9.62 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
What is Winchester Bancorp Inc's annual revenue?
Winchester Bancorp Inc (WSBK) reported $42.7M in total revenue for fiscal year 2025. This represents a 22.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Winchester Bancorp Inc's revenue growing?
Winchester Bancorp Inc (WSBK) revenue grew by 22.5% year-over-year, from $34.9M to $42.7M in fiscal year 2025.
Is Winchester Bancorp Inc profitable?
No, Winchester Bancorp Inc (WSBK) reported a net income of -$874K in fiscal year 2025, with a net profit margin of -2.1%.
What is Winchester Bancorp Inc's earnings per share (EPS)?
Winchester Bancorp Inc (WSBK) reported diluted earnings per share of $-0.09 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Winchester Bancorp Inc's net profit margin?
Winchester Bancorp Inc (WSBK) had a net profit margin of -2.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Winchester Bancorp Inc's return on equity (ROE)?
Winchester Bancorp Inc (WSBK) has a return on equity of -0.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Winchester Bancorp Inc's operating cash flow?
Winchester Bancorp Inc (WSBK) generated $2.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Winchester Bancorp Inc's total assets?
Winchester Bancorp Inc (WSBK) had $949.4M in total assets as of fiscal year 2025, including both current and long-term assets.
Does Winchester Bancorp Inc buy back shares?
Yes, Winchester Bancorp Inc (WSBK) spent $3.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Winchester Bancorp Inc have outstanding?
Winchester Bancorp Inc (WSBK) had 9M shares outstanding as of fiscal year 2025.
What is Winchester Bancorp Inc's debt-to-equity ratio?
Winchester Bancorp Inc (WSBK) had a debt-to-equity ratio of 7.23 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Winchester Bancorp Inc's return on assets (ROA)?
Winchester Bancorp Inc (WSBK) had a return on assets of -0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Winchester Bancorp Inc's Piotroski F-Score?
Winchester Bancorp Inc (WSBK) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Winchester Bancorp Inc's earnings high quality?
Winchester Bancorp Inc (WSBK) has an earnings quality ratio of -2.82x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.