Skip to content
stoqly
en · USD

Appearance

Language

Currency

Popular

All currencies

Data is in US dollars, converted at the ECB reference rate of Oct 27, 2026.

Sign in

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.

Add to portfolio Download report
Today
2.4%
Previous close
$13.09
Market cap
$120M
P/E
27.3x
52-week range
$9.51 $13.40

Last close · Oct 26, 2026

$13.40

+$3.89 (+40.90%) past year

Share price

Winchester Bancorp, Inc./MD/

What Winchester Bancorp, Inc./MD/ does

WSBK · Savings Institutions, Not Federally Chartered

From its latest annual report

No business description yet.

Filing details

Legal name
Winchester Bancorp, Inc./MD/
Fiscal year ends
June 30, 2026
Latest annual report
10-K · Sep 16, 2026
Accession · CIK
0001193125-26-392194 · 0002047235

Earnings calendar · Winchester Bancorp, Inc./MD/

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.

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

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.

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%.
  • In the last 12 months, insiders bought $0.1M of shares on the open market and sold none.

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?

27.3x

One share costs 27.3 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.
$120M
Oct 26 close
P/E Last close divided by diluted earnings per share over the last four quarters.
27.3x
On $0.49 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA · Winchester Bancorp, Inc./MD/ had $26.3M of revenue in fiscal 2026, up 36.0% on the year before.

See the full section →

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA · It earned 3.7% on shareholders’ money. Running costs took 75.2% of revenue (the efficiency ratio; lower is better).

See the full section →

Net income

Profit after all expenses, interest and tax.

KIRA · Winchester Bancorp, Inc./MD/ made $4.4M of net profit in fiscal 2026.

See the full section →

Return on equity

Net income as a share of average shareholders' equity.

KIRA · It earned 3.7% on shareholders’ money. Running costs took 75.2% of revenue (the efficiency ratio; lower is better).

See the full section →
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Revenue and margins

KIRA summarises the numbers

  • Winchester Bancorp, Inc./MD/ had $26.3M of revenue in fiscal 2026, up 36.0% on the year before.

Revenue

Revenue

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

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).

Net income and earnings per share

Loss periods are shown in red.

KIRA summarises the numbers

  • Winchester Bancorp, Inc./MD/ made $4.4M of net profit in fiscal 2026.

Net income

Net income

Diluted EPS

Diluted EPS

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.

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

KIRA summarises the numbers

  • Winchester Bancorp, Inc./MD/ returned $0.0M to shareholders in fiscal 2026.

    The diluted share count rose 0.1%.

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

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).

Insider trades

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.

KIRA summarises the numbers

  • In the last 12 months, insiders bought $0.1M of shares on the open market and sold none.

Bought, 12 months

$0.1M

4 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

DateInsiderTradeSharesPriceValueFiling
May 26, 2026 Edward J MerrittDirector Bought 915 $12.76 $0.0M Form 4
May 21, 2026 John A CarrollPresident & CEO, Director Bought 50 $12.75 $0.0M Form 4
May 7, 2026 John Ingalls Snow IIIDirector Bought 1,725 $12.79 $0.0M Form 4
May 5, 2026 John Ingalls Snow IIIDirector Bought 6,110 $12.87 $0.1M Form 4
May 1, 2026 Stephen Harry BoodakianDirector Bought 2,500 $12.93 $0.0M Form 4

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.

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.

Loans and deposits

Loans Deposits
Fiscal year endFY24FY25FY26
Deposits $635M$679M$809M
Total assets $853M$949M$1.1B
Shareholders' equity $80.3M$115M$121M

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.

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

KIRA summarises the numbers

  • It earned 3.7% on shareholders’ money.

    Running costs took 75.2% of revenue (the efficiency ratio; lower is better).

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

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.

All figures

Every number, year by year.

3 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY24FY25FY26
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%

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

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.

↑ ↓ to move · ↵ to open