Winchester Bancorp, Inc. Common Stock

Winchester Bancorp, Inc. Common Stock

WSBK · NASDAQ · Financial Services / Banks - Regional

13.89USD+0.07 (+0.50%)

Price History

Full chart

Market Stats

Previous Close13.82
Open13.85
Day Range13.71 – 13.89
52-Week Range9.46 – 13.39
Volume9.51K
Market Cap116.22M
P/E (TTM)26.47
Forward P/E0.00
EPS0.49
Dividend Yield0.00%
50-Day Avg12.97
200-Day Avg12.50

About

Winchester Bancorp, Inc. operates as a bank holding company for Winchester Savings Bank that provides banking products and services in the United States. The company offers personal and business savings and checking accounts, non-interest-bearing checking, interest-bearing checking, money market, and savings accounts, as well as certificates of deposit; and one- to four-family residential real estate loans, multifamily residential real estate loans, construction loans, commercial real estate loans, home equity loans and lines of credit, commercial business loans, small business loans, business term loans, and consumer loans including automobile loans, home mortgages, credit lines, and other personal loans, as well as invests in securities. It also provides cash management, safe deposit boxes, wire transfer and foreign currency, notary and signature guarantees, and online and mobile banking services, as well as credit and debit cards and other services. Winchester Bancorp, Inc. was incorporated in 1871 and is headquartered in Winchester, Massachusetts. Winchester Bancorp, Inc. operates as a subsidiary of Winchester Bancorp, MHC.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. John A. Carroll
  • Employees71
  • Headquarters661 Main Street, Winchester, MA, United States, 01890, USA
  • Websitehttps://www.winchestersavings.com

Leadership

  • Mr. John A. CarrollPresident, CEO & Director · b. 1967
  • Ms. Elda HellerExecutive VP, CFO & Treasurer · b. 1984
  • Mr. Paul V. CheremkaSenior VP & Senior Lender · b. 1979

Financials

Income Statement

Currency: USD2023-06-302024-06-302025-06-302026-06-30
Total Revenue25.78M36.33M44.51M51.65M
Growth (%)-+40.90%+22.51%+16.05%
Cost of Revenue8.52M21.00M27.26M26.18M
Gross Profit17.26M15.32M17.25M25.47M
Gross Margin66.96%42.19%38.76%49.32%
Operating Expense11.64M14.57M18.78M19.75M
Operating Income5.62M754.00K-1.53M5.72M
Operating Margin21.81%2.08%-3.44%11.07%
EBITDA6.26M1.50M-683.00K5.72M
EBITDA Margin24.29%4.14%-1.53%11.07%
Net Income4.16M786.00K-874.00K4.42M
Net Income Margin16.14%2.16%-1.96%8.56%
Interest Expense7.12M20.49M25.19M25.39M
Interest Expense % of Total Revenue27.62%56.40%56.60%49.15%

Balance Sheet

Currency: USD2023-06-302024-06-302025-06-302026-06-30
Total Assets750.63M852.97M949.38M1.10B
Total Liabilities673.59M772.68M834.03M975.42M
Total Equity77.05M80.29M115.35M120.51M
Cash52.18M44.11M55.24M60.05M
Total Debt91.70M129.47M147.00M158.16M
Net Debt39.52M85.36M91.76M98.11M

Cash Flow

Currency: USD2023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow437.00K231.00K2.46M5.40M
Investing Cash Flow-121.75M-105.18M-86.73M-
Financing Cash Flow110.31M96.89M95.39M141.26M
Capital Expenditure4.30M1.32M284.00K142.00K
Free Cash Flow4.74M-1.09M2.18M5.25M
FCF to OCF1083.75%-470.13%88.48%97.37%

Earnings

Report DateJun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jul 30, 2026
EPS Estimate-----
EPS Actual-0.100.110.120.130.13
Surprise-----
Timing-----

Key Statistics & Ratios

Market Cap116.22M
Enterprise Value220.08M
Trailing P/E26.47
Forward P/E0.00
Price / Sales4.56
Price / Book0.95
EPS0.49
Book Value12.82
Revenue (TTM)25.47M
Gross Profit (TTM)25.47M
Profit Margin17.36%
Operating Margin24.96%
Return on Equity3.75%
Return on Assets0.43%
Shares Outstanding8.96M
Shares Float3.78M
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
8.17%
Insiders
59.26%
Retail / Other
32.57%

Top Institutional Holders

  • Mangrove Partners
    186.20K2.08%
  • Vanguard Capital Management, LLC
    181.51K2.03%
  • Integrated Wealth Concepts LLC
    82.00K0.92%
  • Northstar Financial Companies, INC.
    70.00K0.78%
  • Oppenheimer & Close Inc
    50.00K0.56%
  • Renaissance Technologies Corp
    31.00K0.35%
  • AllianceBernstein L.P.
    24.66K0.28%
  • M3F, Inc.
    24.59K0.27%
  • Vanguard Fiduciary Trust Co
    22.56K0.25%
  • Steward Partners Investment Advisory, LLC
    19.13K0.21%
  • Eagleclaw Capital Management LLC
    16.00K0.18%
  • LPL Financial Corp
    15.50K0.17%
  • Geode Capital Management, LLC
    13.92K0.16%
  • RFG - Bristol Wealth Advisors, LLC
    10.16K0.11%
  • Sachetta LLC
    8.00K0.09%
  • Eastern Bank
    4.00K0.04%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    132.14K1.47%
  • Fidelity Extended Market Index
    15.17K0.17%
  • iShares Micro-Cap ETF
    13.27K0.15%
  • Fidelity Series Total Market Index
    6.07K0.07%