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Winchester Bancorp (WSBK) Financials

Winchester Bancorp logo
$12.91 +0.01 (+0.08%)
Closing price 10/9/2026 04:00 PM Eastern
Extended Trading
$12.93 +0.02 (+0.12%)
As of 10/9/2026 04:01 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
Annual Income Statements for Winchester Bancorp

Annual Income Statements for Winchester Bancorp

This table shows Winchester Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2025 2026
Period end date 6/30/2024 6/30/2025 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders
0.79 -0.87 4.42
Consolidated Net Income / (Loss)
0.79 -0.87 4.42
Net Income / (Loss) Continuing Operations
0.79 -0.87 4.42
Total Pre-Tax Income
0.75 -1.53 5.72
Total Operating Income
17 19 24
Total Gross Profit
22 28 33
Total Revenue
33 40 46
Operating Revenue
33 40 46
Total Cost of Revenue
10 12 13
Operating Cost of Revenue
9.55 9.69 12
Other Cost of Revenue
0.51 2.07 0.79
Total Operating Expenses
5.74 9.16 8.70
Selling, General & Admin Expense
2.56 4.91 3.68
Marketing Expense
0.38 0.46 0.73
Other Operating Expenses / (Income)
3.12 3.80 4.28
Total Other Income / (Expense), net
-16 -20 -19
Interest Expense
20 25 25
Interest & Investment Income
3.05 3.97 5.15
Other Income / (Expense), net
1.50 1.03 1.49
Income Tax Expense
-0.03 -0.66 1.30
Basic Earnings per Share
$0.00 ($0.10) $0.49
Weighted Average Basic Shares Outstanding
0.00 8.96M 8.97M
Diluted Earnings per Share
$0.00 ($0.10) $0.49
Weighted Average Diluted Shares Outstanding
0.00 8.96M 8.97M
Weighted Average Basic & Diluted Shares Outstanding
- 9.30M 9.30M

Quarterly Income Statements for Winchester Bancorp

This table shows Winchester Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 12/31/2023 3/31/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders
0.27 0.19 -0.63 0.37 0.31 -0.92 0.96 1.07 1.15 1.24
Consolidated Net Income / (Loss)
0.27 0.19 -0.63 0.37 0.31 -0.92 0.96 1.07 1.15 1.24
Net Income / (Loss) Continuing Operations
0.27 0.19 -0.63 0.37 0.31 -0.92 0.96 1.07 1.15 1.24
Total Pre-Tax Income
0.33 0.17 -0.83 0.41 0.37 -1.49 1.32 1.35 1.49 1.56
Total Operating Income
4.37 4.61 4.23 5.75 5.57 3.12 6.40 6.15 6.16 5.75
Total Gross Profit
5.56 6.15 5.91 7.34 7.36 7.22 8.50 8.24 8.35 8.08
Total Revenue
7.99 8.38 9.33 9.75 9.87 11 11 11 11 12
Operating Revenue
7.99 8.38 9.33 9.75 9.87 11 11 11 11 12
Total Cost of Revenue
2.43 2.23 3.43 2.41 2.51 3.41 2.38 3.01 2.98 4.17
Operating Cost of Revenue
2.35 2.13 2.26 2.17 2.53 2.72 2.70 2.62 2.66 3.77
Other Cost of Revenue
0.08 0.10 1.16 0.24 -0.02 0.69 -0.32 0.39 0.33 0.40
Total Operating Expenses
1.20 1.54 1.67 1.59 1.79 4.11 2.10 2.09 2.19 2.33
Selling, General & Admin Expense
0.66 0.61 0.63 0.57 0.70 3.01 0.90 0.89 0.86 1.03
Marketing Expense
0.10 0.10 0.10 0.10 0.12 0.15 0.18 0.14 0.22 0.19
Other Operating Expenses / (Income)
0.75 0.83 0.95 0.93 0.98 0.95 1.01 1.05 1.11 1.11
Total Other Income / (Expense), net
-4.04 -4.44 -5.06 -5.33 -5.20 -4.60 -5.08 -4.81 -4.67 -4.19
Interest Expense
4.93 5.58 6.46 6.48 6.24 6.01 6.20 6.35 6.22 6.62
Interest & Investment Income
0.74 0.94 1.19 0.93 0.79 1.07 1.11 1.29 1.30 1.45
Income Tax Expense
0.06 -0.02 -0.20 0.04 0.07 -0.57 0.36 0.28 0.35 0.32
Basic Earnings per Share
- - $0.00 $0.00 $0.00 ($0.10) $0.11 $0.12 $0.13 $0.13
Weighted Average Basic Shares Outstanding
- - 0.00 0.00 0.00 8.96M 8.96M 8.97M 8.97M 8.97M
Diluted Earnings per Share
- - $0.00 $0.00 $0.00 ($0.10) $0.11 $0.12 $0.13 $0.13
Weighted Average Diluted Shares Outstanding
- - 0.00 0.00 0.00 8.96M 8.96M 8.97M 8.97M 8.97M
Weighted Average Basic & Diluted Shares Outstanding
- - - 0.00 9.30M 9.30M 9.30M 9.30M 9.30M 9.30M

Annual Cash Flow Statements for Winchester Bancorp

This table details how cash moves in and out of Winchester Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2025 2026
Period end date 6/30/2024 6/30/2025 6/30/2026
Net Change in Cash & Equivalents
-8.06 11 4.80
Net Cash From Operating Activities
0.23 2.47 5.40
Net Cash From Continuing Operating Activities
0.23 2.47 5.40
Net Income / (Loss) Continuing Operations
0.79 -0.87 4.42
Consolidated Net Income / (Loss)
0.79 -0.87 4.42
Depreciation Expense
0.75 0.85 0.97
Amortization Expense
0.41 0.27 0.19
Non-Cash Adjustments To Reconcile Net Income
-0.26 3.55 1.11
Changes in Operating Assets and Liabilities, net
-1.45 -1.33 -1.29
Net Cash From Investing Activities
-105 -87 -142
Net Cash From Continuing Investing Activities
-105 -87 -142
Purchase of Property, Plant & Equipment
-1.32 -0.28 -0.14
Purchase of Investments
-26 -46 -56
Sale and/or Maturity of Investments
12 31 36
Other Investing Activities, net
-89 -72 -121
Net Cash From Financing Activities
97 95 141
Net Cash From Continuing Financing Activities
97 95 141
Repayment of Debt
-149 -13 -27
Repurchase of Common Equity
0.00 -3.35 0.00
Issuance of Debt
187 31 38
Issuance of Common Equity
0.00 38 0.00
Other Financing Activities, net
59 43 130
Cash Interest Paid
20 26 26
Cash Income Taxes Paid
-0.48 -0.44 1.37

Quarterly Cash Flow Statements for Winchester Bancorp

This table details how cash moves in and out of Winchester Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents
-2.64 2.58 -6.90 4.33 25 -11 2.47 -2.93 -0.83 6.10
Net Cash From Operating Activities
-0.36 -0.22 -0.33 0.06 0.85 1.89 1.36 1.55 1.36 1.13
Net Cash From Continuing Operating Activities
-0.36 -0.22 -0.33 0.06 0.85 1.89 1.36 1.55 1.36 1.13
Net Income / (Loss) Continuing Operations
0.19 0.11 -0.63 0.37 0.31 -0.92 0.96 1.07 1.15 1.24
Consolidated Net Income / (Loss)
0.19 0.11 -0.63 0.37 0.31 -0.92 0.96 1.07 1.15 1.24
Depreciation Expense
0.20 0.21 0.21 0.21 0.21 0.22 0.22 0.32 0.21 0.21
Amortization Expense
0.10 0.09 0.05 0.10 0.08 0.09 0.00 0.06 0.06 0.06
Non-Cash Adjustments To Reconcile Net Income
-0.11 -0.21 0.99 0.19 0.05 2.28 -0.00 0.39 0.33 0.40
Changes in Operating Assets and Liabilities, net
-0.73 -0.42 -0.96 -0.81 0.21 0.23 0.17 -0.29 -0.39 -0.78
Net Cash From Investing Activities
-16 -30 -27 -17 -3.37 -39 -53 -14 -43 -32
Net Cash From Continuing Investing Activities
-16 -30 -27 -17 -3.37 -39 -53 -14 -43 -32
Purchase of Property, Plant & Equipment
-0.91 0.28 -0.06 -0.08 -0.12 -0.03 0.01 -0.06 - -0.09
Purchase of Investments
-10 -4.00 -12 -9.00 -5.99 -20 -21 -12 -7.82 -16
Sale and/or Maturity of Investments
3.96 0.85 12 9.45 5.24 4.59 10 4.60 6.24 14
Other Investing Activities, net
-9.48 -27 -28 -17 -2.50 -24 -43 -6.61 -41 -30
Net Cash From Financing Activities
14 33 21 21 28 26 54 9.54 41 37
Net Cash From Continuing Financing Activities
14 33 21 21 28 26 54 9.54 41 37
Repayment of Debt
-41 -36 -5.00 -5.00 -3.00 - -16 12 -6.21 -16
Issuance of Debt
49 40 18 7.59 -12 16 33 -32 9.50 28
Other Financing Activities, net
5.54 28 7.04 19 42 -25 37 30 37 25
Cash Interest Paid
5.34 5.98 6.92 6.43 6.14 6.09 6.20 6.46 6.25 6.66
Cash Income Taxes Paid
0.01 -0.95 0.02 0.02 0.20 -0.67 0.64 0.27 0.31 0.15

Annual Balance Sheets for Winchester Bancorp

This table presents Winchester Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2025 2026
Period end date 6/30/2024 6/30/2025 6/30/2026
Total Assets
853 949 1,096
Total Current Assets
813 911 1,056
Cash & Equivalents
44 55 60
Short-Term Investments
87 105 125
Note & Lease Receivable
682 751 871
Plant, Property, & Equipment, net
6.98 6.42 5.59
Total Noncurrent Assets
33 32 35
Noncurrent Note & Lease Receivables
5.76 6.28 6.79
Noncurrent Deferred & Refundable Income Taxes
0.00 1.21 1.09
Other Noncurrent Operating Assets
25 24 27
Total Liabilities & Shareholders' Equity
853 949 1,096
Total Liabilities
773 834 975
Total Current Liabilities
59 62 69
Accrued Expenses
6.11 6.09 6.22
Customer Deposits
52 56 63
Total Noncurrent Liabilities
714 772 906
Long-Term Debt
129 147 158
Other Noncurrent Operating Liabilities
585 625 748
Commitments & Contingencies
0.00 0.00 0.00
Total Equity & Noncontrolling Interests
80 115 121
Total Preferred & Common Equity
80 115 121
Preferred Stock
0.00 0.00 0.00
Total Common Equity
80 115 121
Common Stock
0.00 40 40
Retained Earnings
82 81 85
Accumulated Other Comprehensive Income / (Loss)
-1.81 -1.69 -1.16
Other Equity Adjustments
0.00 -3.35 -3.15

Quarterly Balance Sheets for Winchester Bancorp

This table presents Winchester Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 12/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
Total Assets
894 923 1,005 1,016 1,057
Total Current Assets
853 881 966 978 1,018
Cash & Equivalents
42 67 58 55 54
Short-Term Investments
86 87 115 123 124
Note & Lease Receivable
725 728 793 800 841
Plant, Property, & Equipment, net
6.70 6.61 6.19 5.93 5.71
Total Noncurrent Assets
35 35 33 32 33
Long-Term Investments
2.33 2.26 0.00 0.00 0.00
Noncurrent Note & Lease Receivables
6.04 6.10 6.93 6.16 6.21
Noncurrent Deferred & Refundable Income Taxes
- - 1.03 0.99 1.08
Other Noncurrent Operating Assets
26 27 25 25 26
Total Liabilities & Shareholders' Equity
894 923 1,005 1,016 1,057
Total Liabilities
814 842 888 898 938
Total Current Liabilities
57 92 69 70 69
Accrued Expenses
5.25 6.00 5.85 5.82 5.46
Customer Deposits
52 86 64 64 63
Total Noncurrent Liabilities
757 750 819 828 869
Long-Term Debt
146 131 164 144 147
Other Noncurrent Operating Liabilities
611 619 655 684 722
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
80 81 117 118 119
Total Preferred & Common Equity
80 81 117 118 119
Preferred Stock
- - 0.00 0.00 0.00
Total Common Equity
80 81 117 118 119
Common Stock
- - 40 40 40
Retained Earnings
82 82 82 83 84
Accumulated Other Comprehensive Income / (Loss)
-1.51 -1.23 -1.07 -0.93 -1.23
Other Equity Adjustments
- - -3.28 -3.24 -3.20

Annual Metrics And Ratios for Winchester Bancorp

This table displays calculated financial ratios and metrics derived from Winchester Bancorp's official financial filings.

Metric 2024 2025 2026
Period end date 6/30/2024 6/30/2025 6/30/2026
DEI Shares Outstanding
0.00 9,295,376.00 9,295,376.00
DEI Adjusted Shares Outstanding
0.00 9,295,376.00 9,295,376.00
DEI Earnings Per Adjusted Shares Outstanding
0.00 -0.09 0.48
Growth Metrics
- - -
Revenue Growth
0.00% 21.76% 15.45%
EBITDA Growth
0.00% 7.97% 30.22%
EBIT Growth
0.00% 8.22% 31.77%
NOPAT Growth
0.00% -24.95% 44.70%
Net Income Growth
0.00% -211.20% 605.84%
EPS Growth
0.00% 0.00% 590.00%
Operating Cash Flow Growth
0.00% 967.10% 118.95%
Free Cash Flow Firm Growth
0.00% 0.00% 320.66%
Invested Capital Growth
0.00% 33.43% -8.75%
Revenue Q/Q Growth
0.00% 0.00% 3.66%
EBITDA Q/Q Growth
0.00% 0.00% 17.52%
EBIT Q/Q Growth
0.00% 0.00% 18.85%
NOPAT Q/Q Growth
0.00% 0.00% 2.50%
Net Income Q/Q Growth
0.00% 0.00% 95.53%
EPS Q/Q Growth
0.00% 0.00% 81.48%
Operating Cash Flow Q/Q Growth
0.00% 0.00% -12.36%
Free Cash Flow Firm Q/Q Growth
0.00% 0.00% 0.00%
Invested Capital Q/Q Growth
0.00% 0.00% 6.28%
Profitability Metrics
- - -
Gross Margin
69.03% 70.31% 72.57%
EBITDA Margin
59.54% 52.80% 59.31%
Operating Margin
51.38% 47.16% 53.53%
EBIT Margin
55.97% 49.75% 56.78%
Profit (Net Income) Margin
2.42% -2.21% 9.67%
Tax Burden Percent
104.24% 57.12% 77.29%
Interest Burden Percent
4.14% -7.77% 22.04%
Effective Tax Rate
-4.24% 0.00% 22.71%
Return on Invested Capital (ROIC)
22.64% 14.56% 19.27%
ROIC Less NNEP Spread (ROIC-NNEP)
512.36% 187.22% 92.35%
Return on Net Nonoperating Assets (RNNOA)
-21.67% -15.45% -15.52%
Return on Equity (ROE)
0.98% -0.89% 3.75%
Cash Return on Invested Capital (CROIC)
0.00% -14.08% 28.42%
Operating Return on Assets (OROA)
2.13% 2.19% 2.54%
Return on Assets (ROA)
0.09% -0.10% 0.43%
Return on Common Equity (ROCE)
0.98% -0.89% 3.75%
Return on Equity Simple (ROE_SIMPLE)
0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)
17 13 19
NOPAT Margin
53.56% 33.01% 41.37%
Net Nonoperating Expense Percent (NNEP)
-489.72% -172.66% -73.08%
Return On Investment Capital (ROIC_SIMPLE)
8.30% 4.98% 6.79%
Cost of Revenue to Revenue
30.97% 29.69% 27.43%
SG&A Expenses to Revenue
7.88% 12.39% 8.06%
R&D to Revenue
0.00% 0.00% 0.00%
Operating Expenses to Revenue
17.66% 23.15% 19.04%
Earnings before Interest and Taxes (EBIT)
18 20 26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
19 21 27
Valuation Ratios
- - -
Price to Book Value (P/BV)
0.50 0.72 0.98
Price to Tangible Book Value (P/TBV)
0.50 0.72 0.98
Price to Revenue (P/Rev)
1.23 2.09 2.58
Price to Earnings (P/E)
50.85 0.00 26.66
Dividend Yield
0.00% 0.00% 0.00%
Earnings Yield
1.97% 0.00% 3.75%
Enterprise Value to Invested Capital (EV/IC)
0.48 0.68 0.97
Enterprise Value to Revenue (EV/Rev)
1.13 1.77 1.99
Enterprise Value to EBITDA (EV/EBITDA)
1.89 3.35 3.36
Enterprise Value to EBIT (EV/EBIT)
2.01 3.56 3.51
Enterprise Value to NOPAT (EV/NOPAT)
2.10 5.36 4.81
Enterprise Value to Operating Cash Flow (EV/OCF)
158.33 28.40 16.86
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 3.26
Leverage & Solvency
- - -
Debt to Equity
1.61 1.27 1.31
Long-Term Debt to Equity
1.61 1.27 1.31
Financial Leverage
-0.04 -0.08 -0.17
Leverage Ratio
10.62 9.21 8.67
Compound Leverage Factor
0.44 -0.72 1.91
Debt to Total Capital
61.72% 56.03% 56.75%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
61.72% 56.03% 56.75%
Preferred Equity to Total Capital
0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00%
Common Equity to Total Capital
38.28% 43.97% 43.25%
Debt to EBITDA
6.69 7.03 5.84
Net Debt to EBITDA
-0.18 -0.61 -0.99
Long-Term Debt to EBITDA
6.69 7.03 5.84
Debt to NOPAT
7.44 11.25 8.36
Net Debt to NOPAT
-0.20 -0.98 -1.42
Long-Term Debt to NOPAT
7.44 11.25 8.36
Altman Z-Score
1.34 1.36 1.38
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00%
Liquidity Ratios
- - -
Current Ratio
13.88 14.74 15.22
Quick Ratio
13.88 14.74 15.22
Cash Flow Metrics
- - -
Free Cash Flow to Firm (FCFF)
0.00 -13 28
Operating Cash Flow to CapEx
17.54% 867.96% 3,800.70%
Free Cash Flow to Firm to Interest Expense
0.00 -0.50 1.10
Operating Cash Flow to Interest Expense
0.01 0.10 0.21
Operating Cash Flow Less CapEx to Interest Expense
-0.05 0.09 0.21
Efficiency Ratios
- - -
Asset Turnover
0.04 0.04 0.04
Accounts Receivable Turnover
0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00
Fixed Asset Turnover
4.66 5.91 7.61
Accounts Payable Turnover
0.00 0.00 0.00
Days Sales Outstanding (DSO)
0.00 0.00 0.00
Days Inventory Outstanding (DIO)
0.00 0.00 0.00
Days Payable Outstanding (DPO)
0.00 0.00 0.00
Cash Conversion Cycle (CCC)
0.00 0.00 0.00
Capital & Investment Metrics
- - -
Invested Capital
77 103 94
Invested Capital Turnover
0.42 0.44 0.47
Increase / (Decrease) in Invested Capital
0.00 26 -8.98
Enterprise Value (EV)
37 70 91
Market Capitalization
40 83 118
Book Value per Share
$20.09 $12.41 $12.96
Tangible Book Value per Share
$20.09 $12.41 $12.96
Total Capital
210 262 279
Total Debt
129 147 158
Total Long-Term Debt
129 147 158
Net Debt
-3.40 -13 -27
Capital Expenditures (CapEx)
1.32 0.28 0.14
Debt-free, Cash-free Net Working Capital (DFCFNWC)
623 689 801
Debt-free Net Working Capital (DFNWC)
754 849 986
Net Working Capital (NWC)
754 849 986
Net Nonoperating Expense (NNE)
17 14 14
Net Nonoperating Obligations (NNO)
-3.40 -13 -27
Total Depreciation and Amortization (D&A)
1.16 1.21 1.16
Debt-free, Cash-free Net Working Capital to Revenue
1,917.51% 1,741.66% 1,753.50%
Debt-free Net Working Capital to Revenue
2,319.69% 2,145.23% 2,158.41%
Net Working Capital to Revenue
2,319.69% 2,145.23% 2,158.41%
Earnings Adjustments
- - -
Adjusted Basic Earnings per Share
$0.00 ($0.09) $0.49
Adjusted Weighted Average Basic Shares Outstanding
0.00 9.25M 8.97M
Adjusted Diluted Earnings per Share
$0.00 ($0.09) $0.49
Adjusted Weighted Average Diluted Shares Outstanding
0.00 9.25M 8.97M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
0.00 9.30M 9.30M
Normalized Net Operating Profit after Tax (NOPAT)
11 13 19
Normalized NOPAT Margin
35.29% 33.01% 41.37%
Pre Tax Income Margin
2.32% -3.87% 12.52%
Debt Service Ratios
- - -
EBIT to Interest Expense
0.89 0.78 1.02
NOPAT to Interest Expense
0.85 0.52 0.74
EBIT Less CapEx to Interest Expense
0.82 0.77 1.02
NOPAT Less CapEx to Interest Expense
0.79 0.51 0.74
Payout Ratios
- - -
Dividend Payout Ratio
0.00% 0.00% 0.00%
Augmented Payout Ratio
0.00% -382.84% 0.00%

Quarterly Metrics And Ratios for Winchester Bancorp

This table displays calculated financial ratios and metrics derived from Winchester Bancorp's official financial filings.

Metric Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 12/31/2023 3/31/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding
0.00 0.00 0.00 0.00 0.00 9,295,376.00 9,295,376.00 9,295,376.00 9,295,376.00 9,295,376.00
DEI Adjusted Shares Outstanding
0.00 0.00 0.00 0.00 0.00 9,295,376.00 9,295,376.00 9,295,376.00 9,295,376.00 9,295,376.00
DEI Earnings Per Adjusted Shares Outstanding
0.00 0.00 0.00 0.00 0.00 -0.10 0.10 0.12 0.12 0.13
Growth Metrics
- - - - - - - - - -
Revenue Growth
0.00% 0.00% 0.00% 22.02% 17.74% 0.00% 16.53% 15.33% 14.83% 15.19%
EBITDA Growth
0.00% 0.00% 0.00% 38.89% 19.92% 0.00% 40.75% 8.14% 9.46% 61.93%
EBIT Growth
0.00% 0.00% 0.00% 32.03% 21.23% 0.00% 43.94% 7.41% 10.11% 66.27%
NOPAT Growth
0.00% 0.00% 0.00% 43.01% -10.76% 0.00% 57.64% -5.48% 3.45% 109.60%
Net Income Growth
0.00% 0.00% 0.00% 37.13% 58.85% 0.00% 252.22% 187.94% 275.41% 234.78%
EPS Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 230.00%
Operating Cash Flow Growth
0.00% 0.00% 0.00% 0.00% 337.54% 976.85% 506.29% 2,621.05% 59.91% -40.18%
Free Cash Flow Firm Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 118.46% 47.60% 0.00%
Invested Capital Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -12.38% 56.54% -8.75%
Revenue Q/Q Growth
0.00% 4.88% 0.00% 4.49% 1.20% 7.72% 0.00% 3.41% 0.76% 8.06%
EBITDA Q/Q Growth
0.00% 12.79% 0.00% 33.26% -2.61% -39.14% 0.00% 2.38% -1.43% -9.97%
EBIT Q/Q Growth
0.00% 6.33% 0.00% 34.14% -2.36% -40.64% 0.00% 0.09% 0.09% -10.37%
NOPAT Q/Q Growth
0.00% 41.31% 0.00% 74.70% -11.82% -52.20% 0.00% 4.76% -3.49% -3.14%
Net Income Q/Q Growth
0.00% -29.41% 0.00% 159.02% -18.23% -401.64% 0.00% 11.64% 6.61% 8.30%
EPS Q/Q Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 9.09% 8.33% 0.00%
Operating Cash Flow Q/Q Growth
0.00% 0.00% -54.63% 117.07% 1,387.72% 123.35% -28.35% 14.30% -12.57% -16.45%
Free Cash Flow Firm Q/Q Growth
0.00% 0.00% 0.00% 0.00% 43.21% 100.00% 0.00% 116.28% -261.17% 150.02%
Invested Capital Q/Q Growth
0.00% 0.00% 0.00% 0.00% -41.52% 82.33% 0.00% -21.88% 4.48% 6.28%
Profitability Metrics
- - - - - - - - - -
Gross Margin
69.62% 73.35% 63.30% 75.27% 74.57% 67.95% 78.14% 73.25% 73.67% 65.97%
EBITDA Margin
56.53% 60.80% 50.46% 64.35% 61.92% 34.98% 60.94% 60.34% 59.02% 49.18%
Operating Margin
54.63% 55.00% 45.37% 58.93% 56.43% 29.33% 58.85% 54.70% 54.38% 46.94%
EBIT Margin
56.53% 57.31% 47.65% 61.17% 59.01% 32.52% 58.85% 56.97% 56.59% 46.94%
Profit (Net Income) Margin
3.40% 2.29% -6.77% 3.82% 3.09% -8.65% 8.85% 9.55% 10.10% 10.13%
Tax Burden Percent
82.93% 110.98% 76.14% 90.10% 81.99% 61.91% 72.99% 79.56% 76.64% 79.59%
Interest Burden Percent
7.26% 3.60% -18.66% 6.94% 6.39% -42.99% 20.59% 21.07% 23.30% 27.11%
Effective Tax Rate
17.07% -10.98% 0.00% 9.90% 18.01% 0.00% 27.01% 20.44% 23.36% 20.41%
Return on Invested Capital (ROIC)
0.00% 0.00% 0.00% 0.00% 0.00% 7.92% 32.74% 20.55% 25.46% 17.40%
ROIC Less NNEP Spread (ROIC-NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 32.25% 114.53% 62.91% 38.31% 34.22%
Return on Net Nonoperating Assets (RNNOA)
0.00% 0.00% 0.00% 0.00% 0.00% -3.57% -8.88% -5.71% -10.67% -5.75%
Return on Equity (ROE)
0.00% 0.00% 0.00% 0.00% 0.00% 4.36% 23.86% 14.83% 14.79% 11.65%
Cash Return on Invested Capital (CROIC)
0.00% 0.00% 0.00% 0.00% 0.00% -12.32% 0.00% 0.00% 0.00% 28.42%
Operating Return on Assets (OROA)
0.00% 0.00% 0.00% 0.00% 0.00% 1.43% 2.41% 2.54% 2.52% 2.10%
Return on Assets (ROA)
0.00% 0.00% 0.00% 0.00% 0.00% -0.38% 0.36% 0.43% 0.45% 0.45%
Return on Common Equity (ROCE)
0.00% 0.00% 0.00% 0.00% 0.00% 4.36% 23.86% 14.83% 14.79% 11.65%
Return on Equity Simple (ROE_SIMPLE)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)
3.62 5.12 2.96 5.18 4.57 2.18 4.67 4.89 4.72 4.57
NOPAT Margin
45.30% 61.04% 31.76% 53.10% 46.27% 20.53% 42.96% 43.52% 41.68% 37.36%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 60.43% -34.58% -24.33% -81.79% -42.37% -12.85% -16.82%
Return On Investment Capital (ROIC_SIMPLE)
- - - 2.29% 2.15% 0.83% 1.66% 1.87% 1.78% 1.64%
Cost of Revenue to Revenue
30.38% 26.65% 36.70% 24.73% 25.43% 32.05% 21.86% 26.75% 26.33% 34.03%
SG&A Expenses to Revenue
8.30% 7.33% 6.78% 5.87% 7.04% 28.28% 8.28% 7.90% 7.62% 8.43%
R&D to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue
14.99% 18.35% 17.94% 16.34% 18.14% 38.62% 19.29% 18.55% 19.29% 19.03%
Earnings before Interest and Taxes (EBIT)
4.52 4.80 4.45 5.97 5.82 3.46 6.40 6.41 6.41 5.75
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
4.52 5.10 4.71 6.28 6.11 3.72 6.63 6.79 6.69 6.02
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
0.00 0.00 0.00 0.50 0.49 0.70 0.73 0.79 0.96 0.98
Price to Tangible Book Value (P/TBV)
0.00 0.00 0.00 0.50 0.49 0.70 0.73 0.79 0.96 0.98
Price to Revenue (P/Rev)
0.00 0.00 0.00 0.00 0.00 2.03 2.08 2.20 2.58 2.58
Price to Earnings (P/E)
0.00 0.00 0.00 0.00 0.00 0.00 118.91 65.96 50.40 26.66
Dividend Yield
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.84% 1.52% 1.98% 3.75%
Enterprise Value to Invested Capital (EV/IC)
0.00 0.00 0.00 0.58 0.27 0.66 0.71 0.71 0.94 0.97
Enterprise Value to Revenue (EV/Rev)
0.00 0.00 0.00 0.00 0.00 1.70 1.86 1.40 1.88 1.99
Enterprise Value to EBITDA (EV/EBITDA)
0.00 0.00 0.00 0.00 0.00 3.24 3.48 2.66 3.59 3.36
Enterprise Value to EBIT (EV/EBIT)
0.00 0.00 0.00 0.00 0.00 3.43 3.67 2.82 3.80 3.51
Enterprise Value to NOPAT (EV/NOPAT)
0.00 0.00 0.00 0.00 0.00 5.16 3.15 3.08 4.49 4.81
Enterprise Value to Operating Cash Flow (EV/OCF)
0.00 0.00 0.00 0.00 43.17 27.36 18.42 10.58 13.46 16.86
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.26
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
0.00 0.00 0.00 1.81 1.62 1.27 1.40 1.21 1.23 1.31
Long-Term Debt to Equity
0.00 0.00 0.00 1.81 1.62 1.27 1.40 1.21 1.23 1.31
Financial Leverage
0.00 0.00 0.00 0.20 -0.30 -0.11 -0.08 -0.09 -0.28 -0.17
Leverage Ratio
0.00 0.00 0.00 11.13 11.41 9.21 8.59 9.62 9.90 8.67
Compound Leverage Factor
0.00 0.00 0.00 0.77 0.73 -3.96 1.77 2.03 2.31 2.35
Debt to Total Capital
0.00% 0.00% 0.00% 64.43% 61.82% 56.03% 58.36% 54.84% 55.21% 56.75%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
0.00% 0.00% 0.00% 64.43% 61.82% 56.03% 58.36% 54.84% 55.21% 56.75%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
0.00% 0.00% 0.00% 35.57% 38.18% 43.97% 41.64% 45.16% 44.79% 43.25%
Debt to EBITDA
0.00 0.00 0.00 0.00 0.00 7.06 7.45 6.39 6.37 5.84
Net Debt to EBITDA
0.00 0.00 0.00 0.00 0.00 -0.61 -0.41 -1.51 -1.35 -0.99
Long-Term Debt to EBITDA
0.00 0.00 0.00 0.00 0.00 7.06 7.45 6.39 6.37 5.84
Debt to NOPAT
0.00 0.00 0.00 0.00 0.00 11.25 6.76 7.39 7.96 8.36
Net Debt to NOPAT
0.00 0.00 0.00 0.00 0.00 -0.98 -0.37 -1.75 -1.68 -1.42
Long-Term Debt to NOPAT
0.00 0.00 0.00 0.00 0.00 11.25 6.76 7.39 7.96 8.36
Altman Z-Score
0.00 0.00 0.00 0.00 0.00 1.30 1.30 1.31 1.32 1.32
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Current Ratio
0.00 0.00 0.00 14.95 9.53 14.74 13.92 13.93 14.78 15.22
Quick Ratio
0.00 0.00 0.00 14.95 9.53 14.74 13.92 13.93 14.78 15.22
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
0.00 0.00 0.00 -91 -52 0.00 -103 17 -27 14
Operating Cash Flow to CapEx
0.00% -39.27% -556.67% 74.03% 695.08% 7,576.00% 0.00% 2,542.62% 0.00% 1,273.03%
Free Cash Flow to Firm to Interest Expense
0.00 0.00 0.00 -14.06 -8.29 0.00 -16.66 2.65 -4.36 2.05
Operating Cash Flow to Interest Expense
0.00 -0.06 -0.05 0.01 0.14 0.32 0.22 0.24 0.22 0.17
Operating Cash Flow Less CapEx to Interest Expense
0.00 -0.23 -0.06 0.00 0.12 0.31 0.22 0.23 0.22 0.16
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.00 0.00 0.00 0.00 0.00 0.04 0.04 0.04 0.04 0.04
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 0.00 0.00 0.00 0.00 5.91 6.65 6.75 7.15 7.61
Accounts Payable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Sales Outstanding (DSO)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Inventory Outstanding (DIO)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash Conversion Cycle (CCC)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
0.00 0.00 0.00 96 56 103 108 84 88 94
Invested Capital Turnover
0.00 0.00 0.00 0.00 0.00 0.39 0.76 0.47 0.61 0.47
Increase / (Decrease) in Invested Capital
0.00 0.00 0.00 96 56 0.00 108 -12 32 -8.98
Enterprise Value (EV)
0.00 0.00 0.00 56 15 67 77 60 83 91
Market Capitalization
0.00 40 40 40 40 80 86 94 114 118
Book Value per Share
$0.00 $0.00 $0.00 $20.10 $8.70 $12.41 $12.59 $12.72 $12.82 $12.96
Tangible Book Value per Share
$0.00 $0.00 $0.00 $20.10 $8.70 $12.41 $12.59 $12.72 $12.82 $12.96
Total Capital
0.00 0.00 0.00 226 212 262 281 262 266 279
Total Debt
0.00 0.00 0.00 146 131 147 164 144 147 158
Total Long-Term Debt
0.00 0.00 0.00 146 131 147 164 144 147 158
Net Debt
0.00 0.00 0.00 16 -25 -13 -9.07 -34 -31 -27
Capital Expenditures (CapEx)
0.00 0.91 0.06 0.08 0.12 0.03 -0.01 0.06 0.00 0.09
Debt-free, Cash-free Net Working Capital (DFCFNWC)
0.00 0.00 0.00 668 635 689 724 730 772 801
Debt-free Net Working Capital (DFNWC)
0.00 0.00 0.00 796 789 849 897 907 950 986
Net Working Capital (NWC)
0.00 0.00 0.00 796 789 849 897 907 950 986
Net Nonoperating Expense (NNE)
3.35 4.92 3.60 4.80 4.26 3.10 3.71 3.82 3.58 3.33
Net Nonoperating Obligations (NNO)
0.00 0.00 0.00 16 -25 -13 -9.07 -34 -31 -27
Total Depreciation and Amortization (D&A)
0.00 0.29 0.26 0.31 0.29 0.26 0.23 0.38 0.28 0.27
Debt-free, Cash-free Net Working Capital to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 1,741.66% 1,759.76% 1,712.59% 1,750.26% 1,753.50%
Debt-free Net Working Capital to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 2,145.23% 2,180.58% 2,129.11% 2,153.87% 2,158.41%
Net Working Capital to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 2,145.23% 2,180.58% 2,129.11% 2,153.87% 2,158.41%
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 ($0.10) $0.11 $0.12 $0.13 $0.13
Adjusted Weighted Average Basic Shares Outstanding
0.00 0.00 0.00 0.00 9.30M 8.96M 8.96M 8.97M 8.97M 8.97M
Adjusted Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 ($0.10) $0.11 $0.12 $0.13 $0.13
Adjusted Weighted Average Diluted Shares Outstanding
0.00 0.00 0.00 0.00 9.30M 8.96M 8.96M 8.97M 8.97M 8.97M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
0.00 0.00 0.00 0.00 9.30M 9.30M 9.30M 9.30M 9.30M 9.30M
Normalized Net Operating Profit after Tax (NOPAT)
3.36 3.23 2.96 5.18 4.57 2.18 4.67 4.89 4.72 4.57
Normalized NOPAT Margin
42.04% 38.50% 31.76% 53.10% 46.27% 20.53% 42.96% 43.52% 41.68% 37.36%
Pre Tax Income Margin
4.10% 2.06% -8.89% 4.25% 3.77% -13.98% 12.12% 12.00% 13.18% 12.72%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
0.92 0.86 0.69 0.92 0.93 0.58 1.03 1.01 1.03 0.87
NOPAT to Interest Expense
0.74 0.92 0.46 0.80 0.73 0.36 0.75 0.77 0.76 0.69
EBIT Less CapEx to Interest Expense
0.00 0.70 0.68 0.91 0.91 0.57 1.03 1.00 1.03 0.85
NOPAT Less CapEx to Interest Expense
0.00 0.75 0.45 0.79 0.71 0.36 0.76 0.76 0.76 0.68
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio
0.00% 0.00% 0.00% 0.00% 0.00% -382.84% 0.00% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

Winchester Bancorp’s recent financial statements show a meaningful recovery in profitability, with quarterly revenue and net income generally improving through fiscal 2026. However, the company remains highly dependent on financing activities and continues to face a substantial net interest expense burden.

Revenue and earnings improved through fiscal 2026. Revenue increased from $10.88 million in Q1 2026 to $12.25 million in Q4 2026, a gain of approximately 12.6%. Q4 revenue was also about 15.2% higher than the comparable Q4 2025 figure of $10.63 million. Net income rose from $962,000 in Q1 2026 to $1.24 million in Q4, while diluted earnings per share remained at $0.13 in the latest two quarters.

The longer-term trend is positive but uneven. Winchester Bancorp reported losses in Q1 and Q4 2025, followed by four consecutive profitable quarters in the available fiscal 2026 data. Operating income has remained strong, although it declined from $6.16 million in Q3 2026 to $5.75 million in Q4 as operating expenses and the cost of revenue increased.

  • Improving revenue trend: Quarterly revenue rose steadily from $9.33 million in the restated Q1 2025 period to $12.25 million in Q4 2026.
  • Return to consistent profitability: Net income improved from losses of $632,000 in Q1 2025 and $920,000 in Q4 2025 to $1.24 million in Q4 2026.
  • Higher operating cash flow: Cash flow from operating activities remained positive in every fiscal 2026 quarter, reaching $1.13 million in Q4 2026.
  • Growing asset base: Total assets increased to $1.06 billion as of March 31, 2026, up from $923.1 million a year earlier. Note and lease receivables also rose to $840.5 million.
  • Increasing shareholder equity: Total common equity reached $119.1 million in the latest reported balance sheet, compared with $80.9 million in the comparable prior-year period.
  • Cash balances remain substantial: Cash and equivalents totaled $54.0 million as of March 31, 2026, while short-term investments totaled $124.0 million. Cash declined from the prior year, but short-term investments increased materially.
  • Share count has been relatively stable: Weighted average basic shares outstanding stayed near 9 million during fiscal 2026, limiting the effect of dilution on per-share results.
  • Investing cash outflows are substantial: Winchester Bancorp used $31.7 million in investing activities during Q4 2026, including significant net activity in investments and other investing assets.
  • Financing continues to support liquidity: The company generated $36.7 million from financing activities in Q4 2026, including $27.5 million of debt issuance. This more than offset investing outflows and raises questions about reliance on external funding.
  • Net interest expense remains a major pressure: Q4 interest expense was $6.62 million versus only $1.45 million of interest and investment income, producing a $4.19 million net other expense. This spread continues to limit the conversion of operating income into bottom-line earnings.

As of the latest available balance sheet, liabilities totaled $938.0 million versus $119.1 million of equity, implying a highly leveraged balance sheet typical of a financial institution but still important for investors to monitor. Customer deposits declined to $63.4 million from $86.4 million a year earlier, while long-term debt increased to $146.9 million from $131.0 million.

Overall, the statements point to improving earnings momentum and a larger asset base, but the quality and sustainability of that growth remain important questions. Investors should pay particular attention to deposit trends, interest expense, debt issuance and the unusually large “other noncurrent operating liabilities” balance, which totaled $722.2 million in the latest reported period.

10/10/26 08:26 PM ETAI Generated. May Contain Errors.

Winchester Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Winchester Bancorp's fiscal year ends in June. Their fiscal year 2026 ended on June 30, 2026.

Winchester Bancorp's net income appears to be on an upward trend, with a most recent value of $4.42 million in 2026, rising from $786 thousand in 2024. The previous period was -$874 thousand in 2025. See where experts think Winchester Bancorp is headed by visiting Winchester Bancorp's forecast page.

Winchester Bancorp's total operating income in 2026 was $24.46 million, based on the following breakdown:
  • Total Gross Profit: $33.17 million
  • Total Operating Expenses: $8.70 million

Over the last 2 years, Winchester Bancorp's total revenue changed from $32.51 million in 2024 to $45.70 million in 2026, a change of 40.6%.

In the past 5 quarters, Winchester Bancorp's cash and equivalents has ranged from $41.55 million in Q2 2025 to $66.62 million in Q3 2025, and is currently $53.95 million as of their latest financial filing in Q3 2026.

Winchester Bancorp had total debt of $158.16 million at the end of 2026, a 7.6% increase from 2025, and a 22.2% increase since 2024.

Over the last 2 years, Winchester Bancorp's book value per share changed from 20.09 in 2024 to 12.96 in 2026, a change of -35.5%.



Financial statements for NASDAQ:WSBK last updated on 9/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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