Winchester Bancorp, Inc. (WSBK) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 15, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2026, filed May 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WSBK SEC filings page.
Winchester Bancorp, Inc. (WSBK) reported $24.9M in revenue over the twelve months to Mar 31, 2026. This page shows its 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).
Funding costs are absorbing operating scale, while balance-sheet expansion is being financed with a thicker equity cushion.
Revenue increased to$19.3M in FY2025 while interest expense reached$25.2M , making funding costs the clearest constraint within the reported income structure. Net income switched from profit to loss while selling, general, and administrative expense was nearly unchanged, pointing to interest expense rather than overhead growth as the earnings swing factor.
Cash conversion diverged from accounting earnings: operating cash flow improved to
Assets expanded to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Winchester Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Winchester Bancorp, Inc. earned a return on assets of -0.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.1% the prior year. Earnings ranks banks on that return over three years, and Winchester Bancorp, Inc. scores 16/100 among other banks.
Winchester Bancorp, Inc. reported revenue of $19.3M in fiscal year 2025, against $16.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Winchester Bancorp, Inc. scores 78/100 among other banks.
Winchester Bancorp, Inc. funded 12.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $115.4M of equity against $949.4M of assets. Capital ranks banks on that cushion, and Winchester Bancorp, Inc. scores 60/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Winchester Bancorp, Inc. scores 8/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Winchester Bancorp, Inc. scores 39/100 on it among other banks.
Winchester Bancorp, Inc. reported a net loss of $874K in fiscal year 2025, against $786K in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Winchester Bancorp, Inc. scores 1/100 among other banks.
Winchester Bancorp, Inc. passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 2 of 4 profitability signals pass, both operating efficiency signals pass.
Winchester Bancorp, Inc. reported a net loss of $874K while generating $2.5M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Winchester Bancorp, Inc. generated $6.7M in revenue in Q3 2026. This represents an increase of 42.6% from the same quarter a year earlier. Against the prior quarter it is up 3.4%.
Winchester Bancorp, Inc. reported $1.1M in net income in Q3 2026. This represents an increase of 275.4% from the same quarter a year earlier. Against the prior quarter it is up 6.6%.
Winchester Bancorp, Inc. earned $0.13 per diluted share (EPS) in Q3 2026. Against the prior quarter it is up 8.3%.
Not reported for Q3 2026.
Cash & Balance Sheet
Winchester Bancorp, Inc. held $54.0M in cash as of Q3 2026; long-term debt is not reported for that period.
Not reported for Q3 2026.
Not reported for Q3 2026.
Margins & Returns
Winchester Bancorp, Inc.'s net profit margin was 17.2% in Q3 2026, showing the share of revenue converted to profit. This is up 10.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.
Winchester Bancorp, Inc.'s ROE was 1.0% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
None of these metrics is reported for Q3 2026.
WSBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.7M+42.6% | $6.4M+45.8% | $5.8M+35.7% | $6.0M | $4.7M-48.3% | $4.4M-48.0% | $4.3M | N/A |
| SG&A Expenses | $2.7M+5.1% | $2.6M+20.6% | $2.7M+19.2% | $2.7M | $2.5M+18.6% | $2.2M-7.6% | $2.3M | N/A |
| Interest Expense | $6.2M-0.3% | $6.4M-1.9% | $6.2M-4.1% | $6.0M | $6.2M+11.9% | $6.5M+31.5% | $6.5M | N/A |
| Income Tax | $349K+420.9% | $276K+573.2% | $356K+279.8% | -$566K | $67K+452.6% | $41K-26.8% | -$198K | N/A |
| Net Income | $1.1M+275.4% | $1.1M+187.9% | $962K+252.2% | -$920K | $305K+58.9% | $373K+37.1% | -$632K | N/A |
| EPS (Basic) | $0.13 | $0.12 | $0.11 | N/A | N/A | N/A | N/A | N/A |
| EPS (Diluted) | $0.13 | $0.12 | $0.11 | N/A | N/A | N/A | N/A | N/A |
| Diluted Shares (Avg) | 9M | 9M | 9M | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
WSBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.1B+14.5% | $1.0B+13.6% | $1.0B | $949.4M+11.3% | $923.1M | $894.1M | N/A | $853.0M |
| Cash & Equivalents | $54.0M-19.0% | $54.8M+31.9% | $57.7M+55.1% | $55.2M+25.2% | $66.6M+60.4% | $41.5M-6.0% | $37.2M | $44.1M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $938.0M+11.4% | $897.7M+10.3% | $888.2M | $834.0M+7.9% | $842.2M | $813.8M | N/A | $772.7M |
| Total Equity | $119.1M+47.2% | $118.2M+47.2% | $117.0M+45.8% | $115.4M+43.7% | $80.9M+2.0% | $80.3M+1.5% | $80.2M | $80.3M |
| Retained Earnings | $83.9M+2.1% | $82.8M+1.1% | $81.7M | $80.7M-1.7% | $82.1M | $81.8M | N/A | $82.1M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
WSBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.4M+59.9% | $1.6M+2621.1% | $1.4M+506.3% | $1.9M+976.9% | $848K+337.5% | $57K | -$334K | -$216K |
| Depreciation & Amortization | $213K+3.4% | $321K+51.4% | $223K+6.7% | $220K+4.8% | $206K+5.1% | $212K | $209K | $210K |
| Investing Cash Flow | -$42.8M-1169.1% | -$14.0M+17.9% | -$53.3M-97.0% | -$39.2M-30.4% | -$3.4M+79.5% | -$17.1M | -$27.1M | -$30.1M |
| Financing Cash Flow | $40.6M+47.1% | $9.5M-55.3% | $54.4M+165.5% | $25.9M-21.0% | $27.6M+95.1% | $21.4M | $20.5M | $32.9M |
Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.
WSBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 17.2%+10.7pp | 16.7%+8.2pp | 16.6%+31.4pp | -15.4% | 6.5%+4.4pp | 8.4%+5.2pp | -14.8% | N/A |
| Return on Equity | 1.0%+0.6pp | 0.9%+0.5pp | 0.8%+1.6pp | -0.8% | 0.4%+0.1pp | 0.5%+0.1pp | -0.8% | N/A |
| Return on Assets | 0.1%+0.1pp | 0.1%+0.1pp | 0.1% | -0.1% | 0.0% | 0.0% | N/A | N/A |
| Debt-to-Equity | 7.87-2.5x | 7.59-2.5x | 7.59 | 7.23-2.4x | 10.41 | 10.13 | N/A | 9.62 |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.01 | 0.01 | 0.01 | 0.00 | N/A | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Winchester Bancorp, Inc. WSBK | FY2025 | $19.3M | -$874K | -4.5% | $115.8M | 34/100 |
| Pathfinder Bancorp Inc PBHC | FY2025 | $46.8M | -$1.9M | -4.1% | $108.1M | 20/100 |
| CFSB Bancorp, Inc. CFSB | FY2025 | $7.7M | -$265K | -3.5% | $93.3M | 22/100 |
| Auburn National Bancorporation AUBN | FY2025 | $32.8M | $7.3M | 22.1% | $92.0M | 42/100 |
| United Bancorp Inc/OH UBCP | FY2025 | $41.5M | $7.8M | 18.7% | $90.2M | 46/100 |
| IF Bancorp, Inc. IROQ | FY2025 | $25.8M | $4.3M | 16.7% | $86.2M | 32/100 |
Where Winchester Bancorp, Inc. Ranks
Frequently Asked Questions
What is Winchester Bancorp, Inc.'s annual revenue?
Winchester Bancorp, Inc. (WSBK) reported $19.3M in total revenue for fiscal year 2025. This represents a 19.6% 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 19.6% year-over-year, from $16.2M to $19.3M 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 -4.5%.
What is Winchester Bancorp, Inc.'s net profit margin?
Winchester Bancorp, Inc. (WSBK) had a net profit margin of -4.5% 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.
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 P/E ratio?
Winchester Bancorp, Inc. (WSBK) trades at 51.2x earnings, its market capitalization divided by net income of $2.3M net income, trailing 12 months to March 31, 2026. The market capitalization is $115.8M as of Sep 15, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Winchester Bancorp, Inc.'s price-to-sales ratio?
Winchester Bancorp, Inc. (WSBK) trades at 4.7x sales, its market capitalization divided by revenue of $24.9M revenue, trailing 12 months to March 31, 2026. The market capitalization is $115.8M as of Sep 15, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Winchester Bancorp, Inc.'s Piotroski F-Score?
Winchester Bancorp, Inc. (WSBK) has a Piotroski F-Score of 3 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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) reported a net loss of $874K while generating $2.5M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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.
How financially healthy is Winchester Bancorp, Inc.?
Winchester Bancorp, Inc. (WSBK) scores 34 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.