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Home CompaniesWinchester Bancorp, Inc. Common Stock

Winchester Bancorp, Inc. Common Stock

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
13.555 USD -0.06 ( 0.40%)
Last update at 2026-11-09T14:54:00Z
VOLUME
431
Market Cap
115.77M
P/E
26.37

Momentum Score

…

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 deposit accounts, including 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, and consumer loans including automobile loans, home mortgages, credit lines, and other personal loans, as well as invests in securities. Winchester Bancorp, Inc. was incorporated in 1871 and is headquartered in Winchester, Massachusetts. Winchester Bancorp, Inc. is a subsidiary of Winchester Bancorp, MHC.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
13.55
Low
13.55
High
52 Week Price Range
9.46
Low
13.38
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Winchester Bancorp, Inc. is a Massachusetts bank holding company whose community bank provides deposit, lending and mortgage services to retail and commercial customers. Long-term growth drivers may include local loan and deposit expansion, maintenance of net interest margin, and modest fee-income diversification, which could support steady regional franchise performance.

Investors should monitor sensitivity to interest-rate and margin fluctuations, local economic or credit deterioration, deposit competition and typical regulatory and execution risks for regional banks.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
13.61
Dividend Yield
-
Revenue TTM
25.47M
Revenue Per Share
2.84
Gross Profit TTM
25.47M
Debt / Equity
1.31
ROE
3.75%
Net Debt
156.88M
ROCE
2.13%
Diluted EPS TTM
0.49

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30
Type yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30
Income before tax 5.72M -1.53M 0.75M 5.62M
Net income 4.42M -0.87M 0.79M 4.16M
Selling general administrative 3.68M 4.91M 11.87M 12.40M
Selling and marketing expenses 0.73M 0.46M 0.38M 0.40M
Gross profit 25.47M 17.25M 15.32M 17.26M
Reconciled depreciation - 0.85M 0.75M 0.64M
Ebit - -1.53M 0.75M 5.62M
Ebitda 5.72M -0.68M 1.50M 6.26M
Depreciation and amortization - 0.85M 0.75M 0.64M
Operating income 5.72M -1.53M 0.75M 5.62M
Other operating expenses 45.93M 46.03M 35.57M 20.16M
Interest expense 25.39M 25.19M 20.49M 7.12M
Tax provision - -0.66M -0.03M 1.46M
Interest income - 42.71M 34.86M 24.87M
Net interest income - 17.52M 14.37M 17.75M
Income tax expense 1.30M -0.66M -0.03M 1.46M
Total revenue 51.65M 44.51M 36.33M 25.78M
Total operating expenses 19.75M 18.78M 14.57M 11.64M
Cost of revenue 26.18M 27.26M 21.00M 8.52M
Net income from continuing ops - -0.87M 0.79M 4.16M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30
Type yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30
Total assets 1095.94M 949.38M 852.97M 750.63M
Other current assets - -25.70M - -
Total liab 975.42M 834.03M 772.68M 673.59M
Total stockholder equity 120.51M 115.35M 80.29M 77.05M
Other current liab - 680.94M 637.03M 577.92M
Common stock 0.09M 0.09M - -
Capital stock - 0.09M 0.00M -
Retained earnings 85.14M 80.72M 82.09M 80.30M
Other assets - 883.61M - -
Cash 1.28M 55.24M 44.11M 52.18M
Total current liabilities - 680.94M 637.03M 600.62M
Net debt 156.88M 91.76M 85.36M 39.52M
Short term debt - - - 22.70M
Short long term debt - 0.00M 0.00M 22.70M
Short long term debt total 158.16M 147.00M 129.47M 91.70M
Other stockholder equity 39.59M 36.23M - -
Total current assets 5.32M 58.14M 78.37M 81.41M
Long term investments - 104.51M 88.75M 73.39M
Short term investments - 25.26M 31.09M 26.97M
Net receivables 4.03M 3.33M 3.17M 2.26M
Long term debt - 147.00M 129.47M 69.00M
Accumulated other comprehensive income -4.31M -1.69M 80.29M -3.26M
Non currrent assets other 22.61M -830.47M 25.59M 19.65M
Non current assets total 1090.62M 7.63M 774.60M 669.23M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30
Type yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30
Investments - -86.73M -105.18M -121.75M
Total cashflows from investing activities - -86.73M -105.18M -121.75M
Net borrowings - 17.53M 37.77M 83.70M
Total cash from financing activities - 95.39M 96.89M 110.31M
Net income 4.42M -0.87M 0.79M 4.16M
Change in cash -55.24M 11.13M -8.06M -11.00M
Begin period cash flow 55.24M 44.11M 52.18M 63.18M
End period cash flow - 55.24M 44.11M 52.18M
Total cash from operating activities - 2.46M 0.23M 0.44M
Issuance of capital stock - 37.80M 0.00M -
Depreciation - 0.36M 0.75M 0.64M
Other cashflows from investing activities - -71.77M -89.16M -129.28M
Change to account receivables - -0.16M -0.91M -0.61M
Sale purchase of stock - -3.35M 0.00M -
Other cashflows from financing activities - 43.40M 59.12M 26.61M
Capital expenditures 0.00M 0.28M 1.32M 4.30M
Change in working capital - 0.38M -0.98M -2.36M
Other non cash items -4.42M 3.85M -0.17M -1.48M
Free cash flow - 2.18M -1.09M 4.74M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
WSBK
Winchester Bancorp, Inc. Common Stock		 -0.06
0.40%		 13.55 26.37 - 4.55 0.96 10.44
DBSDY
DBS Group Holdings Ltd ADR		 2.71
1.26%		 218.59 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 0.03
0.45%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.11
0.32%		 34.84 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 5.05
5.86%		 91.30 11.53 10.27 5.72 1.83 8.22

Profile*

Winchester Bancorp, Inc. Common Stock

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 deposit accounts, including 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, and consumer loans including automobile loans, home mortgages, credit lines, and other personal loans, as well as invests in securities. Winchester Bancorp, Inc. was incorporated in 1871 and is headquartered in Winchester, Massachusetts. Winchester Bancorp, Inc. is a subsidiary of Winchester Bancorp, MHC.

661 Main Street, Winchester, MA, United States, 01890

781 729 2130

https://www.winchestersavings.com

71

Name Title Year Born
Mr. John A. Carroll President, CEO & Director 1967
Ms. Elda Heller Executive VP, CFO & Treasurer 1984
Mr. Paul V. Cheremka Senior VP & Senior Lender 1979

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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