Valuation, from the filing
| Public float | $37.60M | Market value of stock held by non-affiliates, as stated on the cover page for 2025-12-31 |
|---|---|---|
| Float per share | $4.05 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 8.5× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 0.3× | 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.
| Measure | Reported | Percentile | |
|---|---|---|---|
| Effective tax rate | 22.7% | 73th |
Winchester Bancorp, Inc./MD/ (WSBK) reported net income of $4.42M for the fiscal year ended 2026-06-30. This page shows 1 annual period 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
| Metric | 2026-06-30 |
|---|---|
| Revenue | Unavailable |
| Cost of revenue | Unavailable |
| Gross profit | Unavailable |
| Operating income | Unavailable |
| Net income | $4.42M |
| Research & development | Unavailable |
| Weighted-average diluted shares | Unavailable |
| Pretax income | $5.72M |
| Income tax expense | $1.30M |
| Diluted EPS | Unavailable |
| Selling, general & administrative | Unavailable |
| General & administrative | Unavailable |
| Selling & marketing | Unavailable |
Balance
| Metric | 2026-06-30 |
|---|---|
| Cash & equivalents | $60.05M |
| Total assets | $1.10B |
| Current assets | Unavailable |
| Total liabilities | $975.42M |
| Current liabilities | Unavailable |
| Total equity incl. NCI | $120.51M |
| Temporary (mezzanine) equity | Unavailable |
| Inventory | Unavailable |
| Accounts receivable | Unavailable |
| Goodwill | Unavailable |
| Long-term debt | Unavailable |
| Accounts payable | Unavailable |
Cash flow
| Metric | 2026-06-30 |
|---|---|
| Operating cash flow | $5.40M |
| Capital expenditures | Unavailable |
| Investing cash flow | -$141.86M |
| Financing cash flow | $141.26M |
| Net change in cash | $4.80M |
| Stock-based compensation | Unavailable |
| Common dividends paid | Unavailable |
| Common share repurchases | Unavailable |
| Depreciation & amortization | $970.00K |
Derived
| Metric | 2026-06-30 |
|---|---|
| Free cash flow | Unavailable |
| Gross margin | Unavailable |
| Operating margin | Unavailable |
| FCF margin | Unavailable |
| SBC / revenue | Unavailable |
| Current ratio | Unavailable |
| Revenue YoY growth | Unavailable |
| Net margin | Unavailable |
| R&D / revenue | Unavailable |
| CapEx / revenue | Unavailable |
| Long-term debt / equity | Unavailable |
| Effective tax rate | 22.7% |
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
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.