Accessibility Menu
Winchester Bancorp logo

Winchester Bancorp(NASDAQ) WSBK

Current Price$12.99
Market Cap$120.56MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2025)+39%
5 YearN/A
1 Year+37%
1 Month+0%
Winchester Bancorp last closing stock price
MetricPriceDate
Last closeUSD 12.992026-07-24
Winchester Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.43%USD 13.052026-07-17
1 month+0.46%USD 12.942026-06-24
3 month+0.23%USD 12.972026-04-24
Year to date+24.35%USD 10.452025-12-31
1 year+36.64%USD 9.512025-07-24
Since inception+39.46%USD 9.302025-05-02

Winchester Bancorp Financials at a Glance

Market Cap

$120.56MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$49.63M

Net Income (TTM)

$2.26M

EPS (TTM)

$0.25

P/E Ratio

51.47

Dividend

$0.00

Beta (Volatility)

0.69 (Low)

Price

$12.99

Volume

591.924

Open

$12.97

Previous Close

$12.99

Daily Range

$12.97 - $12.99

52-Week Range

$9.19 - $13.39

Estimated Earnings Date

N/A

WSBK News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Winchester Bancorp

Winchester Bancorp helps people and small businesses manage money and access loans. Homebuyers and business owners use its loans to finance property and growth.

Banking, But Not Boring: What Winchester Offers

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (percentage of revenue not disclosed).
  • Certificates of Deposit: Fixed-term savings products with set interest rates (percentage of revenue not disclosed).
  • Residential Loans: Mortgages for one- to four-family homes, serving local homebuyers (47.4% of loan portfolio as of March 2025).
  • Commercial and Multi-Family Loans: Financing for business properties and apartment buildings (34.3% of loan portfolio as of March 2025).
  • Construction and Home Equity Loans: Loans for building projects and borrowing against home value (17.6% of loan portfolio as of March 2025).
  • Investment Services: Investments in government, municipal, and corporate securities (percentage of revenue not disclosed).

Growth Spurts and Strategic Moves

  • Completed mutual holding company reorganization and IPO in May 2025, raising new capital.
  • Expanded commercial, multi-family, and construction lending focus since 2024.
  • Launched new online account opening and electronic communication systems in 2025.
  • Grew branch network to Winchester, Woburn, Danvers, and Arlington, Massachusetts by 2025.

Why Winchester Isn’t Just Another Bank

Winchester focuses on community banking with a diversified loan mix. It uses conservative risk management and keeps capital above regulatory minimums. All deposits are fully insured, offering extra security for customers.

Five Things You Need to Know

  • Revenue was $12 million in QQ2 2026, up 13.9% from QQ2 2025.
  • Net income was $1 million in QQ2 2026, up 187.9% year-over-year.
  • Loan portfolio reached $730.1 million as of March 2025, up 6.7% from June 2024.
  • Deposits totaled $703.1 million at March 2025, up 10.7% from June 2024.
  • Cash and cash equivalents were $66.6 million at March 2025, up 51.0% from June 2024.

Bottom Line

Winchester has grown by expanding lending and modernizing its services. Its focus on local customers and strong risk controls shapes its steady business model.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

71

CEO

John A. Carroll

Website

www.winchestersavings.com

Headquarters

Winchester, MA 01890, US

WSBK Financials

Key Financial Metrics (TTM)

Gross Margin

47.90%

Operating Margin

5.39%

Net Income Margin

4.56%

Return on Equity

1.93%

Return on Capital

-0.58%

Return on Assets

0.21%

Earnings Yield

1.94%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$120.56MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

9.30M

Volume

591.924

Avg. Volume

6.76K

Financials (TTM)

Gross Profit

$23.78M

Operating Income

$2.68M

EBITDA

$3.65M

Operating Cash Flow

$6.16M

Capital Expenditure

-$78.00K

Free Cash Flow

$6.08M

Cash & ST Invst.

$98.88M

Total Debt

$146.88M

Winchester Bancorp Performance Analysis

Winchester Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-06-30USD 25,782,000N/A
20242024-06-30USD 36,328,00040.9%
20252025-06-30USD 44,505,00022.5%
Winchester Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-06-309.6%
Q12025-09-300.2%
Q22025-12-316.7%
Q32026-03-310.7%
Winchester Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-06-30USD 0.44N/A
20242024-06-30USD 0.08-81.1%
20252025-06-30USD -0.09N/A
Winchester Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-06-30-393.8%
Q12025-09-30215.9%
Q22025-12-319.1%
Q32026-03-318.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q3 2026YOY CHG

Revenue

$12.88M

+18.1%

Gross Profit

$6.34M

+35.1%

Gross Margin

49.20%

N/A

Market Cap

$120.56MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.70M

N/A

Employees

71

N/A

Net Income

$1.15M

+275.4%

EBITDA

$1.71M

+195.3%

Quarterly Fundamentals

Name
Q3 2026YOY CHG

Total Cash

$98.88M

-2.7%

Total Debt

$146.88M

+12.1%

Accounts Receivable

$3.62M

+18.3%

Inventory

$0.00

N/A

Long Term Debt

$146.88M

+12.1%

Short Term Debt

$0.00

N/A

Return on Assets

0.21%

N/A

Return on Invested Capital

0.99%

N/A

Free Cash Flow

$1.36M

+86.8%

Operating Cash Flow

$1.36M

+59.9%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
BOTJBank of the James Financial Group, Inc.
$26.93+1.43%
FNWBFirst Northwest Bancorp
$11.95+0.42%
LSBKLake Shore Bancorp, Inc.
$17.20+1.06%
PBHCPathfinder Bancorp, Inc.
$15.90-0.42%

Trending Stocks

Symbol / CompanyPricePrice Chg
INTCIntel
$92.32-0.08%
NOKNokia
$9.10-0.06%
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x Shares
$7.42-0.04%
ONDSOndas
$7.80-0.02%

Questions About WSBK

What is the current price of Winchester Bancorp?

Winchester Bancorp is trading at $12.99 per share.

What is the 52-week range for Winchester Bancorp?

Over the past 52 weeks, Winchester Bancorp has traded between $9.19 and $13.39.

How much debt does Winchester Bancorp have?

As of the most recent reporting period, Winchester Bancorp reported total debt of $146.88M.

How much cash does Winchester Bancorp have on hand?

Winchester Bancorp does not have cash on hand data available.

What is Winchester Bancorp’s dividend yield?

Winchester Bancorp does not currently have a dividend yield.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services