SequelSEC

Winchester Bancorp, Inc./MD/ WSBK

Savings Institutions, Not Federally Chartered · CIK 0002047235 · Fiscal year ends 1231 · Bank

AnnualQuarterlyTTM
Revenue
Unavailable
Fiscal year ended 2026-06-30
Net income
$4.42M
Fiscal year ended 2026-06-30
Total assets
$1.10B
Fiscal year ended 2026-06-30

Valuation, from the filing

Public float$37.60MMarket value of stock held by non-affiliates, as stated on the cover page for 2025-12-31
Float per share$4.05Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself.
Float / net income8.5×A lower bound on the multiple, because affiliate holdings are excluded.
Float / equity0.3×A lower bound on the multiple, because affiliate holdings are excluded.

Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-12-31, not today, and each multiple below it uses the figures for the fiscal year ending 2026-06-30 — the year that filing covered.

How this compares in its industry

Percentile among the Savings Institutions, Not Federally Chartered filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.

MeasureReportedPercentile
Effective tax rate22.7%73th

Winchester Bancorp, Inc./MD/ (WSBK) reported net income of $4.42M for the fiscal year ended 2026-06-30. This page shows 3 annual periods of income statement, balance sheet and cash flow figures normalized from Winchester Bancorp, Inc./MD/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institutions, Not Federally Chartered.

Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.

Income

Winchester Bancorp, Inc./MD/ income by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-06-302024-06-30
RevenueUnavailableUnavailableUnavailable
Cost of revenueUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailable
Net income$4.42M-$874.00K$786.00K
Research & developmentUnavailableUnavailableUnavailable
Weighted-average diluted sharesshares 8.97Mshares 8.96MUnavailable
Pretax income$5.72M-$1.53M$754.00K
Income tax expense$1.30M-$656.00K-$32.00K
Diluted EPS$0.49$-0.10Unavailable
Selling, general & administrativeUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailable

Balance

Winchester Bancorp, Inc./MD/ balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-06-302024-06-30
Cash & equivalents$60.05M$55.24M$44.11M
Total assets$1.10B$949.38M$852.97M
Current assetsUnavailableUnavailableUnavailable
Total liabilities$975.42M$834.03M$772.68M
Current liabilitiesUnavailableUnavailableUnavailable
Total equity incl. NCI$120.51M$115.35M$80.29M
Temporary (mezzanine) equityUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailable
GoodwillUnavailableUnavailableUnavailable
Long-term debtUnavailableUnavailableUnavailable
Accounts payableUnavailableUnavailableUnavailable

Cash flow

Winchester Bancorp, Inc./MD/ cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-06-302024-06-30
Operating cash flow$5.40M$2.46M$231.00K
Capital expendituresUnavailableUnavailableUnavailable
Investing cash flow-$141.86M-$86.73M-$105.18M
Financing cash flow$141.26M$95.39M$96.88M
Net change in cash$4.80M$11.13M-$8.06M
Stock-based compensationUnavailableUnavailableUnavailable
Common dividends paidUnavailableUnavailableUnavailable
Common share repurchases$0$3.35MUnavailable
Depreciation & amortization$970.00K$847.00K$750.00K

Derived

Winchester Bancorp, Inc./MD/ derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-06-302024-06-30
Free cash flowUnavailableUnavailableUnavailable
Gross marginUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailable
FCF marginUnavailableUnavailableUnavailable
SBC / revenueUnavailableUnavailableUnavailable
Current ratioUnavailableUnavailableUnavailable
Revenue YoY growthUnavailableUnavailableUnavailable
Net marginUnavailableUnavailableUnavailable
R&D / revenueUnavailableUnavailableUnavailable
CapEx / revenueUnavailableUnavailableUnavailable
Long-term debt / equityUnavailableUnavailableUnavailable
Effective tax rate22.7%Unavailable-4.2%

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open WSBK in the interactive workspace to inspect any figure back to its filing.

Source filings

10-K · Filed 2026-09-16View SEC filing
10-Q · Filed 2026-05-13View SEC filing
10-Q · Filed 2026-02-11View SEC filing
10-Q · Filed 2025-11-12View SEC filing
10-K · Filed 2025-09-17View SEC filing
10-Q · Filed 2025-05-12View SEC filing

Companies in the same industry

AVBC BBT BSBK ECBK EWSB FBLA FLG FMFG FNWB FSBW GCBC GOVB

Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.