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
$1.24M
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 $1.24M for the fiscal year ended 2026-06-30. This page shows 10 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.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
RevenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Cost of revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net income$1.24M$1.14M$1.07M$962.00K-$920.00K$305.00K$373.00K-$632.00K$108.00K$192.00K
Research & developmentUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesUnavailableshares 8.97Mshares 8.97Mshares 8.96MUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Pretax income$1.56M$1.49M$1.35M$1.32M-$1.49M$372.00K$414.00K-$830.00K-$5.00K$173.00K
Income tax expense$318.00K$349.00K$276.00K$356.00K-$566.00K$67.00K$41.00K-$198.00K-$113.00K-$19.00K
Diluted EPSUnavailable$0.13$0.12$0.11UnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Selling, general & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Balance

Winchester Bancorp, Inc./MD/ balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
Cash & equivalents$60.05M$53.95M$54.78M$57.72M$55.24M$66.62M$41.55MUnavailable$44.11MUnavailable
Total assets$1.10B$1.06B$1.02B$1.01B$949.38M$923.09M$894.09MUnavailable$852.97MUnavailable
Current assetsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total liabilities$975.42M$937.96M$897.72M$888.22M$834.03M$842.18M$813.76MUnavailable$772.68MUnavailable
Current liabilitiesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total equity incl. NCI$120.51M$119.14M$118.25M$116.99M$115.35M$80.91M$80.32M$80.23M$80.29M$79.31M
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
GoodwillUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Long-term debtUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts payableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Cash flow

Winchester Bancorp, Inc./MD/ cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
Operating cash flow$1.13M$1.36M$1.55M$1.36M$1.89M$848.00K$57.00K-$334.00K-$216.00K-$357.00K
Capital expendituresUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Investing cash flow-$31.74M-$42.78M-$14.02M-$53.31M-$39.22M-$3.37M-$17.08M-$27.06M-$30.06M-$16.43M
Financing cash flow$36.71M$40.59M$9.54M$54.43M$25.95M$27.59M$21.35M$20.50M$32.86M$14.14M
Net change in cash$6.10M-$833.00K-$2.93M$2.47M-$11.37M$25.07M$4.33M-$6.90M$2.58M-$2.64M
Stock-based compensationUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Common dividends paidUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Common share repurchasesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Depreciation & amortization$213.00K$213.00K$321.00K$223.00K$220.00K$206.00K$212.00K$209.00K$210.00K$196.00K

Derived

Winchester Bancorp, Inc./MD/ derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
Free cash flowUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
FCF marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
SBC / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Current ratioUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Revenue YoY growthUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
R&D / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
CapEx / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Long-term debt / equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Effective tax rate20.4%23.4%20.4%27.0%Unavailable18.0%9.9%UnavailableUnavailable-11.0%

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

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