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).
Balance-sheet expansion, not simple revenue growth, is the dominant mechanic: external funding is supporting an asset base near $1.0B .
The profit-to-cash split widened in FY2025: net income slipped to-$874K even as operating cash flow improved to$2.5M . Paired with lower leverage at 7.2x versus 9.6x in the prior year, that points to balance-sheet repositioning rather than a simple collapse in cash earnings.
Liquidity improved because financing inflows of
Scale is asset-driven: FY2025 revenue was only
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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's revenue surged 22.5% year-over-year to $42.7M, reflecting rapid business expansion. This strong growth earns a score of 71/100.
Winchester Bancorp Inc has elevated debt relative to equity (D/E of 7.23), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Winchester Bancorp Inc generates a -0.8% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 11/100. This is down from 1.0% the prior year.
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
Earnings & Revenue
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.
Cash & Balance Sheet
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.
Margins & Returns
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.
Capital Allocation
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 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $12.4M+4.0% | $11.9M+5.1% | $11.4M+7.1% | $10.6M+1.0% | $10.5M+2.7% | $10.2M | N/A | $9.0M |
| 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 | $2.6M-2.8% | $2.7M-0.8% | $2.7M+7.5% | $2.5M+16.4% | $2.2M-3.9% | $2.3M | N/A | $2.1M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $6.4M+2.5% | $6.2M+3.1% | $6.0M-3.7% | $6.2M-3.6% | $6.5M+0.2% | $6.5M | N/A | $5.6M |
| Income Tax | $276K-22.5% | $356K+162.9% | -$566K-944.8% | $67K+63.4% | $41K+120.7% | -$198K | N/A | -$19K |
| Net Income | $1.1M+11.6% | $962K+204.6% | -$920K-401.6% | $305K-18.2% | $373K+159.0% | -$632K | N/A | $192K |
| EPS (Diluted) | $0.12+9.1% | $0.11 | N/A | N/A | N/A | N/A | N/A | N/A |
WSBK Balance Sheet
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.0B+1.1% | $1.0B+5.9% | $949.4M+2.8% | $923.1M+3.2% | $894.1M | N/A | $853.0M | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $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+6.2% | $41.5M |
| 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 | $897.7M+1.1% | $888.2M+6.5% | $834.0M-1.0% | $842.2M+3.5% | $813.8M | N/A | $772.7M | N/A |
| 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 | $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+1.2% | $79.3M |
| Retained Earnings | $82.8M+1.3% | $81.7M+1.2% | $80.7M-1.7% | $82.1M+0.4% | $81.8M | N/A | $82.1M | N/A |
WSBK Cash Flow Statement
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.6M+14.3% | $1.4M-28.4% | $1.9M+123.3% | $848K+1387.7% | $57K+117.1% | -$334K-54.6% | -$216K+39.5% | -$357K |
| 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 | -$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-83.0% | -$16.4M |
| Financing Cash Flow | $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+132.3% | $14.1M |
| 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 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| 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%+0.6pp | 8.1%+16.2pp | -8.1%-11.0pp | 2.9%-0.7pp | 3.5%+9.7pp | -6.2% | N/A | 2.1% |
| Return on Equity | 0.9%+0.1pp | 0.8%+1.6pp | -0.8%-1.2pp | 0.4%-0.1pp | 0.5%+1.3pp | -0.8% | N/A | 0.2% |
| Return on Assets | 0.1%+0.0pp | 0.1%+0.2pp | -0.1%-0.1pp | 0.0%-0.0pp | 0.0% | N/A | 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 | 7.59+0.4 | 7.23-3.2 | 10.41+0.3 | 10.13 | N/A | 9.62 | N/A |
| 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 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.
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 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) 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.
How financially healthy is Winchester Bancorp Inc?
Winchester Bancorp Inc (WSBK) scores 14 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.