Winchester Bancorp, Inc. (WSBK) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2026, Winchester Bancorp reported revenue of $26.3M, up 36.0% from $19.3M the year before. Net income was $4.4M (a 16.8% net margin), or $0.49 per diluted share. Net interest income was $25.0M, and the efficiency ratio (noninterest expense / revenue) was 75.2%. Operating activities generated $5.4M of cash. At fiscal year end, Winchester Bancorp held $1.10B in total assets against $975.4M in total liabilities, including $60.0M of cash and equivalents.
Open the full interactive Winchester Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Winchester Bancorp Key Stats
| Share Price | $12.90 |
|---|---|
| Market Cap | $115.8M |
| P/E Ratio | 26.3 |
| Revenue YoY Growth | +36.0% |
| 52-Week Range | $9.47 – $13.27 |
| Shares Outstanding | 9.0 million (basic, 2026 Q1) |
Winchester Bancorp Income Statement
| FY 2025 | FY 2026 | |
|---|---|---|
| Net Interest Income | $17.5M | $25.0M |
| Provision for Credit Losses | $2.1M | $789,000 |
| Noninterest Income | $1.8M | $1.3M |
| Noninterest Expense | $18.8M | $19.8M |
| Revenue | $19.3M | $26.3M |
| Pre-Tax Income | -$1.5M | $5.7M |
| Income Tax | -$656,000 | $1.3M |
| Net Income | -$874,000 | $4.4M |
| Diluted EPS | -$0.09 | $0.49 |
Winchester Bancorp Quarterly Results
| 2025 Q2 | 2025 Q3 | 2025 Q4 | 2026 Q1 | |
|---|---|---|---|---|
| Revenue | $6.4M | $5.8M | — | $6.7M |
| Net Income | $1.1M | $962,000 | -$3.2M | $1.1M |
| Diluted EPS | $0.12 | $0.11 | -$0.35 | $0.13 |
Winchester Bancorp Balance Sheet
| FY 2025 | FY 2026 | |
|---|---|---|
| Cash & Equivalents | $55.2M | $60.0M |
| Total Assets | $949.4M | $1.10B |
| Deposits | $679.2M | $809.2M |
| Total Long-Term Debt | $147.0M | $158.2M |
| Total Liabilities | $834.0M | $975.4M |
| Shareholders' Equity | $115.4M | $120.5M |
Winchester Bancorp Cash Flow Statement
| FY 2025 | FY 2026 | |
|---|---|---|
| Cash From Operations | $2.5M | $5.4M |
| Cash From Investing | -$86.7M | -$141.9M |
| Cash From Financing | $95.4M | $141.3M |
Figures from Winchester Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Winchester Bancorp financials page for every line item.
Winchester Bancorp Company Profile
| Ticker | WSBK |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Winchester, Massachusetts |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Emerging growth company |
| SEC CIK | 0002047235 |
Frequently Asked Questions
What was Winchester Bancorp's revenue in fiscal 2026?
Winchester Bancorp (WSBK) reported revenue of $26.3M for fiscal 2026.
What was Winchester Bancorp's net income in fiscal 2026?
Winchester Bancorp reported net income of $4.4M for fiscal 2026.
What was Winchester Bancorp's earnings per share (EPS) in fiscal 2026?
Winchester Bancorp's diluted EPS was $0.49 for fiscal 2026 (adjusted for any later stock splits).
What was Winchester Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q1), Winchester Bancorp reported revenue of $6.7M.
How much debt does Winchester Bancorp have?
Winchester Bancorp reported $158.2M of long-term debt, including the current portion, at the end of fiscal 2026.
How many shares of Winchester Bancorp are outstanding?
Winchester Bancorp reported a weighted average of 9.0 million basic shares outstanding in 2026 Q1.
What is Winchester Bancorp's market cap?
Based on its latest closing price, Winchester Bancorp (WSBK) has a market capitalization of about $115.8M.
When does Winchester Bancorp's fiscal year end?
Winchester Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Winchester Bancorp headquartered?
Winchester Bancorp lists its business address in Winchester, Massachusetts in its SEC filings.
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