Winchester Bancorp, Inc./MD/ (WSBK)
Winchester Bancorp, Inc. serves as the parent company overseeing Winchester Savings Bank, a financial institution that delivers a broad spectrum of banking solutions across Massachusetts. The firm provides diverse options for depositing funds, including standard checking and savings accounts, higher-yield money market accounts, and fixed-term certificates of deposit. Beyond these deposit services, the company offers an extensive range of lending products. This includes financing for both residential and commercial real estate ventures, construction projects, and home equity through various loan and credit line facilities. Additionally, it provides credit solutions for commercial businesses and individual consumers. A further aspect of its operations involves managing investments in marketable securities.
Sector: Savings Institutions, Not Federally Chartered
Industry: Banks - Regional
Winchester Bancorp, Inc. Common Stock
NASDAQ:WSBKFinancial Services · Banks - Regional
+2.37%$13.40
Mkt Cap$124.56M
Float3.78M
O/S9.3M
Inst Own8.4%
SI0.4%
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$51.65M
Net Income$4.42M
Total Assets$1.1B
Free Cash Flow$0
Debt & Equity
Debt 57%
Equity 43%
Total Debt$158.16M
Total Equity$120.51M
Shares Outstanding
Short Interest
Split History1 split
- 2:1Forward splitDec 18, 20031 share → 2
Balance Sheet Details
Assets$1.1B
Liabilities$975.42M
Accounts Receivable$4.03M
Accounts Payable$0
Inventory$0
PP&E (Net)$5.59M
Goodwill$0
Intangible Assets$0
Income Statement
| Period | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Currency | USD | USD | USD | USD |
| Period Ending | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 |
| Revenue | $51.65M | $44.51M | $36.33M | $25.78M |
| YoY Growth | 16.0% | 22.5% | 40.9% | - |
| Cost of Revenue | $26.18M | $27.26M | $21M | $8.52M |
| Gross Profit | $25.47M | $17.25M | $15.32M | $17.26M |
| Gross Margin | 49.3% | 38.8% | 42.2% | 67.0% |
| Research and Development | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $4.42M | $5.37M | $12.24M | $12.8M |
| Other | $15.33M | $13.41M | $2.33M | -$1.16M |
| Total Operating Expenses | $19.75M | $18.78M | $14.57M | $11.64M |
| Operating Income (EBIT) | $5.72M | -$1.53M | $754K | $5.62M |
| Operating Margin | 11.1% | -3.4% | 2.1% | 21.8% |
| Interest Expense | $25.39M | $25.19M | $20.49M | $7.12M |
| Interest Income | $50.38M | $42.71M | $34.86M | $24.87M |
| Other Income (Expense) | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | $5.72M | -$1.53M | $754K | $5.62M |
| Income Tax Expense | $1.3M | -$656K | -$32K | $1.46M |
| Net Income | $4.42M | -$874K | $786K | $4.16M |
| Net Income Margin | 8.6% | -2.0% | 2.2% | 16.1% |
| Supplementary Data | ||||
| EPS | 0.49 | -0.09 | 0.08 | 0.44 |
| Diluted EPS | 0.49 | -0.10 | 0.08 | 0.44 |
| Weighted Average OS | 8.97M | 9.25M | 9.45M | 9.45M |
| EBITDA | $5.72M | -$683K | $1.5M | $6.26M |
| EBITDA Margin | 11.1% | -1.5% | 4.1% | 24.3% |
Balance Sheet
| Period | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Currency | USD | USD | USD | USD |
| Period Ending | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 |
| Assets | ||||
| Current Assets | ||||
| Cash and Cash Equivalents | $60.05M | $55.24M | $44.11M | $52.18M |
| Short-Term Investments | $49.89M | $25.26M | $31.09M | $26.97M |
| Cash and Short-Term Investments | $109.94M | $80.51M | $75.2M | $79.15M |
| Accounts Receivable | $4.03M | $3.33M | $3.17M | $2.26M |
| Inventory | $0 | $0 | $0 | $0 |
| Other Current Assets | -$108.66M | -$25.7M | $0 | $0 |
| Total Current Assets | $5.32M | $58.14M | $78.37M | $81.41M |
| Long-Term Assets | ||||
| Property, Plant & Equipment Net | $5.59M | $6.42M | $6.98M | $6.1M |
| Goodwill | $0 | $0 | $0 | $0 |
| Intangible Assets | $0 | $0 | $0 | $0 |
| Long-Term Investments | $945.88M | $830.47M | $742.03M | $642.81M |
| Deferred Tax Assets | $1.09M | $1.21M | $0 | $665K |
| Other Long-Term Assets | $138.05M | -$830.47M | $25.59M | $19.65M |
| Total Long-Term Assets | $1.09B | $7.63M | $774.6M | $669.23M |
| Other Assets | $0 | $883.61M | $0 | $0 |
| Total Assets | $1.1B | $949.38M | $852.97M | $750.63M |
| Liabilities | ||||
| Current Liabilities | ||||
| Accounts Payable | $0 | $0 | $0 | $0 |
| Short-Term Debt | $0 | $0 | $0 | $22.7M |
| Current Income Tax Payable | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $811.04M | $680.94M | $637.03M | $577.92M |
| Total Current Liabilities | $811.04M | $680.94M | $637.03M | $600.62M |
| Long-Term Liabilities | ||||
| Long-Term Debt | $158.16M | $147M | $129.47M | $69M |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $70K | $0 |
| Other Long-Term Liabilities | $817.26M | $6.09M | $6.11M | $3.97M |
| Total Long-Term Liabilities | $975.42M | $153.09M | $135.65M | $72.97M |
| Other Liabilities | $0 | $0 | $0 | $0 |
| Total Liabilities | $975.42M | $834.03M | $772.68M | $673.59M |
| Stockholders' Equity | ||||
| Preferred Stock | $0 | $0 | $0 | $0 |
| Common Stock | $93K | $93K | $0 | $0 |
| Retained Earnings | $85.14M | $80.72M | $0 | $80.3M |
| Comprehensive Income & Other | -$4.31M | -$1.69M | $80.29M | -$3.26M |
| Other Stockholders' Equity | $35.28M | $34.54M | $80.29M | -$3.26M |
| Total Equity | $120.51M | $115.35M | $80.29M | $77.05M |
| Minority Interest | $0 | $0 | $0 | $0 |
| Total Liabilities and Equity | $1.1B | $949.38M | $852.97M | $750.63M |
| Supplementary Data | ||||
| Total Debt | $158.16M | $147M | $129.47M | $91.7M |
| Net Debt | $98.11M | $91.76M | $85.36M | $39.52M |
Cash Flow Statement
| Period | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Currency | USD | USD | USD | USD |
| Period Ending | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 |
| Operating Activities | ||||
| Net Income | $4.42M | -$874K | $786K | $4.16M |
| Depreciation & Amortization | $0 | $847K | $750K | $640K |
| Deferred Income Tax | $0 | -$1.24M | -$160K | -$530K |
| Stock-Based Compensation | $0 | $0 | $0 | $0 |
| Changes in Working Capital: | ||||
| Accounts Receivable | $0 | -$162K | -$907K | -$607K |
| Inventory | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $0 | $0 |
| Other Working Capital | $0 | $537K | -$71K | -$1.75M |
| Total Working Capital Change | $0 | $375K | -$978K | -$2.36M |
| Other Non-Cash Items | -$4.42M | $3.36M | -$167K | -$1.48M |
| Net Cash from Operating | $0 | $2.46M | $231K | $437K |
| Investing Activities | ||||
| Capital Expenditures | $0 | -$284K | -$1.32M | $4.3M |
| Acquisitions | $0 | $0 | $0 | $0 |
| Purchases of Investments | $0 | -$46.11M | -$26.48M | -$8.88M |
| Sales of Investments | $0 | $31.43M | $11.78M | $12.11M |
| Other Investing Activities | $0 | -$71.77M | -$89.16M | -$129.28M |
| Net Cash from Investing | $0 | -$86.73M | -$105.18M | -$121.75M |
| Financing Activities | ||||
| Debt Repaid | - | -$4M | -$41M | -$64M |
| Common Stock Issuance | $0 | $37.8M | $0 | $0 |
| Common Stock Repurchases | $0 | -$3.35M | $0 | $0 |
| Dividends Paid | $0 | $0 | $0 | $0 |
| Other Financing Activities | $0 | $43.4M | $59.12M | $26.61M |
| Net Cash from Financing | $0 | $95.39M | $96.89M | $110.31M |
| Forex Effect | $0 | $0 | $0 | $0 |
| Net Change in Cash | -$55.24M | $11.13M | -$8.06M | -$11M |
| Supplementary Data | ||||
| Operating Cash Flow | $0 | $2.46M | $231K | $437K |
| Capital Expenditure | $0 | -$284K | -$1.32M | $4.3M |
| Free Cash Flow | $0 | $2.18M | -$1.09M | $4.74M |
| Cash at Beginning | $55.24M | $44.11M | $52.18M | $63.18M |
| Cash at End | $0 | $55.24M | $44.11M | $52.18M |