Update date
16 Sep 2026
Winchester Bancorp, Inc./MD/ financial metrics
Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q3 2026.
- Public ticker
- WSBK on Nasdaq
- Latest financial report
- 16 Sep 2026
- Company location
- Winchester, MA
- Fiscal year end
- 31 December
Company
Names, identifiers, and filing context for this profile.
1 identity field
SEC filing record 1 source field available
Shareable Research Card
WSBK - Winchester Bancorp, Inc./MD/ Financial Facts
WSBK - Winchester Bancorp, Inc./MD/ has a source-backed company facts page for reviewing reported financial metrics, periods, and linked metric histories.
Start with the latest metric summary, then open metric histories or cross-company rankings to compare the same SEC-backed facts.
- Context
- Latest metrics period: Q3 2026
- Latest reported value
- Return On Equity 3.7%
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open metric pages to inspect the reported history.
Return Loop
Why revisit this company facts page
Company facts change as new 10-Q and 10-K filings update the latest reported period, headline values, and cross-company comparison context.
- Latest source-backed update
- Latest metrics period Q3 2026
- Why come back
- Use the next filing cycle to compare new facts against this baseline and then verify the detailed metric history.
- Current latest metrics period: Q3 2026.
- Most recent SEC facts end date on this page: 10 Sep 2026.
- Save this filer to return when the next filing-backed metric period changes the picture.
Freshness comes from the latest SEC company facts period available for this filer and the linked metric history pages.
Latest update
Latest update for WSBK - Winchester Bancorp, Inc./MD/
Latest financial period: Q2 2026. Reopen this facts page to verify the newest reported period against the prior baseline.
Page type
Company facts
Latest period
Q3 2026
SEC-backed company facts were refreshed from filings filed on 16 Sep 2026.
Benchmark Context
How Return On Equity compares
Return On Equity is down about 520% versus the comparable prior period.
Compared with
Compared with Winchester Bancorp, Inc./MD/'s recent history first. Same-industry peer context appears only when enough SEC-backed benchmark coverage exists.
Why this is notable
Return On Equity already has a self-history signal here, but same-industry benchmark context waits until the benchmark sample is strong enough.
- Latest comparable period on this page: Q3 2026.
- Peer context will appear when enough companies report a comparable value for this metric.
- Open the metric history first if you want to verify the exact period-to-period change.
Industry benchmark context uses SEC-reported values from the same methodology version. Latest periods may differ across companies.
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Key facts
- WSBK - Winchester Bancorp, Inc./MD/ financial facts are built from SEC company filings data.
- Latest metrics period on this page: Q3 2026.
- Headline metric: Return On Equity 3.7%.
Change
- Return On Equity YoY change: -520%.
- Most recent SEC facts end date: 10 Sep 2026.
Research use
- This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
- Every metric card links to a deeper SEC-backed history page for verification.
Evidence
Based on latest 10-Q/10-K
View source filing
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open company facts to inspect the reported metric history.
Latest SEC snapshot (2026-09-10) highlights Return On Equity 3.7% and Return On Assets 0.4%.
Valuation Snapshot
SEC-only DCF estimate using a normalized free cash flow base, cash, debt, and reported share count when available.
DCF value above price
About fair
Medium confidence
17%
fair value gap
Fair value per share
$15.22
Market price
$13.02
WSBK - Local security
PEG ratio
0.1x
P/E 26.4x / growth 211%
EPS CAGR (1Y)
Enterprise value
$76.53M
Equity value
$136.58M
DCF fair value scenarios
Bear
$13.06
- Growth
- 1%
- Discount
- 11%
- Terminal
- 2%
Gap 0.31%
Base
$15.22
- Growth
- 4%
- Discount
- 10%
- Terminal
- 2.5%
Gap 17%
Bull
$18.63
- Growth
- 7%
- Discount
- 9%
- Terminal
- 3%
Gap 43%
Base growth: DCF Growth Assumption.
Key valuation metrics
EV/Revenue
n/a
Local security market EV / SEC revenue
Revenue is unavailable or not positive
EV/EBITDA
n/a
Local security market EV / SEC EBITDA
Ebitda is unavailable or not positive
P/E
26.4x
Local security market price / SEC EPS
P/S
n/a
Local security market cap / SEC revenue
Revenue is unavailable or not positive
P/B
1.0x
Local security market cap / SEC equity
PEG
0.1x
P/E / EPS CAGR
Core assumptions
- Projection
- 5 years
- FCF growth
- 4%
- Discount rate
- 10%
- Terminal growth
- 2.5%
SEC fact inputs
- DCF base FCF
- $5.26M
- Trailing SEC FCF
- Reported FCF
- $5.26M
- Net income
- $4.42M
- EBITDA
- n/a
- Cash
- $60.05M
- Debt
- n/a
- Equity
- $120.51M
- Shares
- 8,971,061
Data confidence notes
- Dcf base free cash flow: dcf base starts from trailing sec free cash flow
- Debt missing: equity value treats debt as 0
- Dcf uses fallback growth assumption because historical free cash flow growth is unavailable
Financial Quality Score
Transparent 0-100 scoring model based on profitability, financial health, and growth factors.
0.0/100
Weak Confidence low
Return On Equity
3.7%
Metric score 0.0/100
Return On Assets
0.43%
Metric score 0.0/100
Financial Health
Strengths
No strong signals yet.
Watchpoints
Return On Equity and Return On Assets
Key metrics snapshot
Return On Equity
3.7%
YoY: -520%
Return On Assets
0.43%
YoY: -546%
Profitability
| Metric | Latest value | YoY change |
|---|---|---|
| Return On Equity | 3.7% | -520% |
| Return On Assets | 0.43% | -546% |
Share Metrics
| Metric | Latest value | YoY change |
|---|---|---|
| Entity Common Stock, Shares Outstanding | 9,295,376 | 0% |
How we score
This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.
| Metric | Weight | V1 threshold |
|---|---|---|
| ROIC | 20 | 5% to 20% |
| ROE | 15 | 8% to 25% |
| ROA | 10 | 2% to 10% |
| Operating Margin | 5 | 5% to 25% |
| Current Ratio | 12 | 1.0x to 2.0x |
| Quick Ratio | 8 | 0.8x to 1.5x |
| Debt to Equity | 10 | 0.3x to 2.0x (lower is better) |
| Revenue YoY | 10 | -10% to +20% |
| Net Income YoY | 10 | -10% to +20% |
How Calculated (standard_v1)
Metrics are computed with a market-consensus convention designed for cross-portal comparability.
- TTM Operating Income / TTM Revenues
- Current Assets / Current Liabilities (latest instant quarter)
- (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
- Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
- TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
- TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
- TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
- TTM Revenues YoY
- TTM Net Income YoY
CIK / security context first