GoAI
Get started
Winchester Bancorp, Inc. Common Stock logo

Winchester Bancorp, Inc. Common Stock

WSBK

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

$13.00

+$0.03 · +0.23%

Aug 21, 3:55 PM ET

WSBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

72

Undervalued

Momentum

48

Neutral

Sentiment

53

Mixed

Risk resilience

81

Low Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
John A. Carroll
Listed since
May 2, 2025
Employees
71

Market position

Volume
5.99K
0.86× average
Average volume
6.97K
Average daily volume
Market cap
116.67M USD
Beta
-0.36
Market reference 1

Financials

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends74%46%18%-10%Gross margin, FY2023: 66.96%Gross margin, FY2024: 42.19%Gross margin, FY2025: 38.76%Gross margin, FY2026: 49.32%Operating margin, FY2023: 21.81%Operating margin, FY2024: 2.08%Operating margin, FY2025: -3.44%Operating margin, FY2026: 11.07%Net margin, FY2023: 16.14%Net margin, FY2024: 2.16%Net margin, FY2025: -1.96%Net margin, FY2026: 8.56%FY2023FY2024FY2025FY2026
Gross margin FY2023 66.96%. Gross margin FY2024 42.19%. Gross margin FY2025 38.76%. Gross margin FY2026 49.32%. Operating margin FY2023 21.81%. Operating margin FY2024 2.08%. Operating margin FY2025 -3.44%. Operating margin FY2026 11.07%. Net margin FY2023 16.14%. Net margin FY2024 2.16%. Net margin FY2025 -1.96%. Net margin FY2026 8.56%.

Income trends

Revenue

51.65M USD+16.05%

Operating income

5.72M USD+7.25M USD

Net income

4.42M USD+5.3M USD
Income trends across reported periods56.97M USD35.69M USD14.42M USD−6.85M USDRevenue, FY2023: 25.78M USDRevenue, FY2024: 36.33M USDRevenue, FY2025: 44.51M USDRevenue, FY2026: 51.65M USDOperating income, FY2023: 5.62M USDOperating income, FY2024: 754K USDOperating income, FY2025: −1.53M USDOperating income, FY2026: 5.72M USDNet income, FY2023: 4.16M USDNet income, FY2024: 786K USDNet income, FY2025: −874K USDNet income, FY2026: 4.42M USDFY2023FY2024FY2025FY2026
Revenue FY2023 25.78M USD. Revenue FY2024 36.33M USD. Revenue FY2025 44.51M USD. Revenue FY2026 51.65M USD. Operating income FY2023 5.62M USD. Operating income FY2024 754K USD. Operating income FY2025 −1.53M USD. Operating income FY2026 5.72M USD. Net income FY2023 4.16M USD. Net income FY2024 786K USD. Net income FY2025 −874K USD. Net income FY2026 4.42M USD.
Metric (USD)FY2026FY2025FY2024FY2023
Revenue51.65M USD44.51M USD36.33M USD25.78M USD
Cost of goods sold26.18M USD27.26M USD21M USD8.52M USD
Gross profit25.47M USD17.25M USD15.33M USD17.26M USD
Selling, general, and administrative4.42M USD5.37M USD12.24M USD12.8M USD
Operating expenses19.75M USD18.78M USD14.57M USD11.64M USD
Interest income50.38M USD42.71M USD34.86M USD24.87M USD
Interest expense25.39M USD25.19M USD20.49M USD7.12M USD
Depreciation and amortization—847K USD750K USD640K USD
Operating income5.72M USD−1.53M USD754K USD5.62M USD
Net income4.42M USD−874K USD786K USD4.16M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.13

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.170.150.120.1Q1 '26Q2 '26Q3 '26
Q1 2026, reported Jan 28, 2026: actual 0.12, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 29, 2026: actual 0.13, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 0.13, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates14.54M13.77M13M12.24MQ1 '26Q2 '26Q3 '26
Q1 2026, reported Jan 28, 2026: actual 12.8M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 29, 2026: actual 12.88M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 13.98M USD, estimate —, surprise —, Comparison unavailable.

WSBK news

WSBK peers

Interactive Brokers Group, Inc. logo

IBKR

Interactive Brokers Group, Inc.

$93.87

+4.47%

CME Group Inc. logo

CME

CME Group Inc.

$274.98

+1.52%

Robinhood Markets, Inc. logo

HOOD

Robinhood Markets, Inc.

$108.13

+13.70%

Strive Inc. Perp. Pfd. Series A logo

SATA

Strive Inc. Perp. Pfd. Series A

$100.01

+0.10%

Nasdaq, Inc. logo

NDAQ

Nasdaq, Inc.

$98.22

+0.69%

PayPal Holdings, Inc. logo

PYPL

PayPal Holdings, Inc.

$61.55

-1.20%

ETFs holding WSBK

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
1.72M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
578.86K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
176.33K
Weight
0.01%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%

Continue in GoAI

Research WSBK

research.disclaimer