1.Sales and profit
See section →- Winchester Bancorp, Inc./MD/ had $26.3M of revenue in fiscal 2026, up 36.0% on the year before.
- Winchester Bancorp, Inc./MD/ made $4.4M of net profit in fiscal 2026.
Winchester Bancorp, Inc./MD/
WSBK Nasdaq Savings Institutions, Not Federally Chartered Financials FY2024–FY2026
Winchester Bancorp, Inc./MD/ had $26.3M of revenue in fiscal 2026, up 36.0% on the year before.
Download report
3-page PDF: the company, its results and charts with peers.
Last close · Oct 23, 2026
$13.09
0.6%KIRA’s summary AI analyst
Hi! I read Winchester Bancorp, Inc./MD/’s latest annual report (fiscal 2026). Here is what stands out:
2 strengths 1 to watch
2.Cash and shareholders
See section →- Winchester Bancorp, Inc./MD/ returned $0.0M to shareholders in fiscal 2026. The diluted share count rose 0.1%.
- No open-market insider trades in the last 12 months.
3.Financial health
See section →- It earned 3.7% on shareholders’ money. Running costs took 75.2% of revenue (the efficiency ratio; lower is better).
Winchester Bancorp, Inc./MD/ in 30 seconds
Good So-so Weak
Good
Are sales growing?
+36.0%
Yes. Sales grew 36.0% last year.
Good
Does it make a profit?
16.8%
Yes. It keeps 16.8% of every sale as profit.
Weak
How lean are its costs?
75.2%
Costly. Running costs take 75.2% of revenue.
Weak
How much does it earn on its capital?
3.7%
Low. It earns 3.7% a year on shareholders’ money.
For information
How is the share priced?
26.7x
One share costs 26.7 times its yearly profit per share.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2026
Market cap
Last close times the latest diluted share count, so it is approximate.
$117M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
26.7x
On $0.49 EPS (TTM)
Charts by
Sales and profit
Is it selling more, and how much does it keep?
Results dates
In plain words: Every quarter, companies publish how much they sold and earned. These are the days Winchester Bancorp, Inc./MD/ did it, and the next one. Share prices often move a lot on those days.
Next results
October 21, 2026
Wednesday · expected, not published yet
- Time
- During market hours
- Covers
- Period ended Sep 30, 2026
- Source
- Stoqly estimate
Estimated from the same quarter last year. It will be replaced by the announced date once there is one.
See who else reports that week →| Date | Results for | Time | Source |
|---|---|---|---|
| Jul 30, 2026 | Q4 '26 | Before the market opens | 8-K ↗ |
| Apr 29, 2026 | Q3 '26 | During market hours | 8-K ↗ |
| Jan 28, 2026 | Q2 '26 | During market hours | 8-K ↗ |
| Oct 22, 2025 | Q1 '26 | During market hours | 8-K ↗ |
| Jul 30, 2025 | Q4 '25 | After the market closes | 8-K ↗ |
| Apr 30, 2025 | Q3 '25 | Before the market opens | 8-K ↗ |
| Mar 27, 2025 | Q2 '25 | During market hours | 10-Q ↗ |
From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.
Revenue and margins
KIRA · Winchester Bancorp, Inc./MD/ had $26.3M of revenue in fiscal 2026, up 36.0% on the year before.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
FY24
Revenue $16.2M
FY25
Revenue $19.3M
FY26
Revenue $26.3M
Revenue
Q2 '24
Revenue $3.6M
Q3 '24
Revenue $3.5M
Q4 '24
Revenue $3.6M
Q1 '25
Revenue $4.3M
Q2 '25
Revenue $4.4M
Q3 '25
Revenue $4.7M
Q4 '25
Revenue $6.0M
Q1 '26
Revenue $5.8M
Q2 '26
Revenue $6.4M
Q3 '26
Revenue $6.7M
Q4 '26
Revenue $7.4M
Net interest income share and efficiency ratio
FY24
Net interest share 89.0%
Efficiency ratio 92.2%
FY25
Net interest share 90.7%
Efficiency ratio 97.2%
FY26
Net interest share 95.2%
Efficiency ratio 75.2%
Net interest share
Efficiency ratio
Net interest income share and efficiency ratio
Q2 '24
Net interest share 100.0%
Efficiency ratio —
Q3 '24
Net interest share 100.0%
Efficiency ratio —
Q4 '24
Net interest share 100.0%
Efficiency ratio —
Q1 '25
Net interest share 88.3%
Efficiency ratio 92.2%
Q2 '25
Net interest share 91.2%
Efficiency ratio 85.2%
Q3 '25
Net interest share 93.6%
Efficiency ratio 92.5%
Q4 '25
Net interest share 89.9%
Efficiency ratio 113.4%
Q1 '26
Net interest share 99.1%
Efficiency ratio 82.8%
Q2 '26
Net interest share 94.1%
Efficiency ratio 73.0%
Q3 '26
Net interest share 94.5%
Efficiency ratio 72.7%
Q4 '26
Net interest share 93.6%
Efficiency ratio 73.4%
Net interest share
Efficiency ratio
Net income and earnings per share
KIRA · Winchester Bancorp, Inc./MD/ made $4.4M of net profit in fiscal 2026.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
FY24
Net income $0.8M
FY25
Net income −$0.9M
FY26
Net income $4.4M
Net income
Q2 '24
Net income $0.3M
Q3 '24
Net income $0.2M
Q4 '24
Net income $0.1M
Q1 '25
Net income −$0.6M
Q2 '25
Net income $0.4M
Q3 '25
Net income $0.3M
Q4 '25
Net income −$0.9M
Q1 '26
Net income $1.0M
Q2 '26
Net income $1.1M
Q3 '26
Net income $1.1M
Q4 '26
Net income $1.2M
Diluted EPS
FY24
Diluted EPS —
FY25
Diluted EPS −$0.10
FY26
Diluted EPS $0.49
Diluted EPS
Q2 '24
Diluted EPS —
Q3 '24
Diluted EPS —
Q4 '24
Diluted EPS —
Q1 '25
Diluted EPS —
Q2 '25
Diluted EPS —
Q3 '25
Diluted EPS —
Q4 '25
Diluted EPS —
Q1 '26
Diluted EPS $0.11
Q2 '26
Diluted EPS $0.12
Q3 '26
Diluted EPS $0.13
Q4 '26
Diluted EPS $0.13
Cash and shareholders
How much cash comes in, and where does it go?
Dividends, buybacks and share count
KIRA · Winchester Bancorp, Inc./MD/ returned $0.0M to shareholders in fiscal 2026. The diluted share count rose 0.1%.
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
FY24
Dividends —
Buybacks —
FY25
Dividends —
Buybacks $3.3M
FY26
Dividends —
Buybacks $0.0M
Dividends
Buybacks
Diluted shares outstanding (annual)
FY24
Diluted shares —
FY25
Diluted shares 0.01B
FY26
Diluted shares 0.01B
Insider trades
KIRA · No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Loans, deposits and capital at each fiscal year end.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Loans and deposits
FY24
Loans —
Deposits $635M
FY25
Loans —
Deposits $679M
FY26
Loans —
Deposits $809M
Loans
Deposits
| Fiscal year end | FY24 | FY25 | FY26 |
|---|---|---|---|
| Deposits | $635M | $679M | $809M |
| Total assets | $853M | $949M | $1.1B |
| Shareholders' equity | $80.3M | $115M | $121M |
Returns and efficiency
KIRA · It earned 3.7% on shareholders’ money. Running costs took 75.2% of revenue (the efficiency ratio; lower is better).
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
Return on equity, return on tangible equity and efficiency ratio
FY24
ROE 1.0%
ROTE 1.0%
Efficiency ratio 92.2%
FY25
ROE −0.9%
ROTE −0.8%
Efficiency ratio 97.2%
FY26
ROE 3.7%
ROTE 3.7%
Efficiency ratio 75.2%
ROE
ROTE
Efficiency ratio
All figures
Every number, year by year.
3 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY24 | FY25 | FY26 |
|---|---|---|---|
| Income statement | |||
| Revenue | $16.2M | $19.3M | $26.3M |
| Net interest income | $14.4M | $17.5M | $25.0M |
| Noninterest income | $1.8M | $1.8M | $1.3M |
| Noninterest expense | $14.9M | $18.8M | $19.8M |
| Provision for credit losses | $0.5M | $2.1M | $0.8M |
| Pretax income | $0.8M | −$1.5M | $5.7M |
| Income tax | −$0.0M | −$0.7M | $1.3M |
| Net income | $0.8M | −$0.9M | $4.4M |
| Diluted EPS | — | −$0.10 | $0.49 |
| Diluted shares | — | 0.01B | 0.01B |
| Cash flow | |||
| Cash from operations | $0.2M | $2.5M | $5.4M |
| Depreciation and amortization | $0.8M | $0.8M | $1.0M |
| Share buybacks | — | $3.3M | $0.0M |
| Dividends and buybacks | — | $3.3M | $0.0M |
| Balance sheet | |||
| Cash and short-term investments | $44.1M | $55.2M | $60.0M |
| Deposits | $635M | $679M | $809M |
| Property and equipment, net | $7.0M | $6.4M | $5.6M |
| Total assets | $853M | $949M | $1.1B |
| Total liabilities | $773M | $834M | $975M |
| Preferred stock | — | $0.0M | $0.0M |
| Shareholders' equity | $80.3M | $115M | $121M |
| Margins | |||
| Net margin | 4.9% | −4.5% | 16.8% |
| Net interest share of revenue | 89.0% | 90.7% | 95.2% |
| Efficiency ratio | 92.2% | 97.2% | 75.2% |
| Returns | |||
| Return on equity | 1.0% | −0.9% | 3.7% |
| Return on assets | 0.1% | −0.1% | 0.4% |
| Return on tangible equity | 1.0% | −0.8% | 3.7% |
| Growth | |||
| Revenue growth | — | 19.6% | 36.0% |
| Net income growth | — | −211.2% | — |
| Share count change | — | — | 0.1% |
| Quality scores | |||
| Accruals ratio | 0.1% | −0.4% | −0.1% |
Source: SEC EDGAR XBRL filings (CIK 0002047235). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.