Winchester Bancorp, Inc./MD/ (WSBK) stock analysis
Close on Nov 11, 2026Market cap $128.65MP/E 26.1Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Weak2 of 30 checks passed
Winchester Bancorp passes 2 of the 30 checks behind our score; 18 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 0/6
- Growth
- 1/6
- Past performance
- 0/6
- Financial health
- 1/6
- Dividend
- 0/6
What stands out
Well capitalized
Equity is 10.5% of total assets; 8% or more is a comfortable cushion.
Growing faster than the industry
Revenue grew 35.1% over the last twelve months; the Savings Institutions median is 9.0%.
What to watch
Margin of safety under 20%
The price is 33.9% above fair value, so there is no margin of safety.
Trading above fair value
The share price of $13.84 is above our fair value estimate of $10.34.
P/E above the industry
Winchester Bancorp's P/E of 26.1 is above the Savings Institutions median of 13.7.
P/S above the industry
Winchester Bancorp's price-to-sales of 4.57 is above the Savings Institutions median of 3.77.
Valuation0/6
P/E against its history
Not enough price and earnings history to compare.
P/E above the industry
Winchester Bancorp's P/E of 26.1 is above the Savings Institutions median of 13.7.
P/S above the industry
Winchester Bancorp's price-to-sales of 4.57 is above the Savings Institutions median of 3.77.
P/B above the industry
Winchester Bancorp's price-to-book of 1.08 is above the Savings Institutions median of 1.04.
Trading above fair value
The share price of $13.84 is above our fair value estimate of $10.34.
Margin of safety under 20%
The price is 33.9% above fair value, so there is no margin of safety.
Growth1/6
Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing faster than the industry
Revenue grew 35.1% over the last twelve months; the Savings Institutions median is 9.0%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance0/6
Return on equity
Needs positive equity and five years of results.
Return on assets under 1%
Return on assets was 0.4%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Winchester Bancorp's return on equity of 4.0% is below the Savings Institutions median of 6.1%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin below the industry
Winchester Bancorp's net margin of 16.8% is below the Savings Institutions median of 20.3%.
Financial health1/6
Well capitalized
Equity is 10.5% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Adequate loan-loss reserve
The allowance for credit losses is not reported.
High cost base
Non-interest expense takes 73.1% of revenue; under 60% is efficient for a bank.
Deposits growing
Needs deposits a year ago.
Borrowings
Needs debt and equity figures.
Dividend0/6
No dividend
Winchester Bancorp has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itOur estimate per share
$10.34
The share price is 34% above this estimate.
| Method | Multiple used | Own 5Y median | Industry median | Value per share | Weight |
|---|---|---|---|---|---|
| P/E | 13.7× | – | 13.7× | $7.24 | 50% |
| P/B | 1.0× | – | 1.0× | $13.43 | 50% |
| Fair value | $10.34 | 100% | |||
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/B at month end
- Savings Institutions median 1.0
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $116.35K
- Value traded per 1% price move
- $243.15K
Downside
Low risk
- Typical loss in a bad month
- 2.8%
- Volatility (annualized)
- 16%
- Sharpe ratio, 1 year
- 2.48
- Beta to the S&P 500 (5Y)
- -0.08
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2023 to 2026
Net margin
Growth rates
Compound annual growth to fiscal 2026
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +36.0% | – | – | – |
Returns and balance sheet
4 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2023 | FY2023 | FY2026 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 3.7% | |
| Return on assets | – | – | 0.4% | |
| Diluted shares | – | – | 9M |
Cash use needs five years of cash flow figures
Winchester Bancorp does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2026 | 16.8% | 0.03× | 8.67× | 3.7% |
| FY2025 | -4.5% | 0.02× | 9.21× | -0.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2026 against fiscal 2025
- ProfitableNet income above zero$4.42M
- Cash generatingOperating cash flow above zero$5.40M
- Return on assets improvedROA up on the prior year-0.1% → 0.5%
- Earnings backed by cashOperating cash flow above net income$5.40M vs $4.42M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise9M → 9M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.02 → 0.03
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