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Friday 6 November 2026
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Winchester Bancorp, Inc.
WSBK Financial Banks Regional
Winchester Bancorp, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $51.6 million, up 16.0% from fiscal 2025.
- Revenue
- +22.5%
- EPS
- +27.3%
- Free cash flow
- +27.8%
- Total debt
- −8.58%
Quarter to September 2026, against a year earlier
13.63
0.02
−0.15%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to June
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM Sep ’26 | Trend | 10 yrs | 2027e | 2028e | 2029e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 37 | 45 | 52 | 54 | +18.7% | — | — | — | — | |
| Gross margin, % | — | — | — | — | — | — | — | 44.08 | 43.40 | 50.85 | 51.81 | +6.8 pt | ||||||
| EBT | — | — | — | — | — | — | — | 1 | (2) | 6 | 6 | +175.4% | ||||||
| EBT margin, % | — | — | — | — | — | — | — | 2.06 | (3.44) | 11.07 | 11.15 | +9.0 pt | ||||||
| Net income | — | — | — | — | — | — | — | 1 | (1) | 4 | 5 | +137.2% | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 0.00 | 4.97 | 5.76 | 6.05 | n/m | |||||
| Earnings | — | — | — | — | — | — | — | — | (0.10) | 0.49 | 0.52 | n/m | ||||||
| Cash flow | — | — | — | — | — | — | — | 0.00 | 0.28 | 0.60 | 0.69 | n/m | ||||||
| Capex | — | — | — | — | — | — | — | 0.00 | (0.03) | (0.02) | (0.06) | n/m | ||||||
| Free cash flow | — | — | — | — | — | — | — | 0.00 | 0.24 | 0.59 | 0.63 | n/m | ||||||
| Book value | — | — | — | — | — | — | — | 0.00 | 12.87 | 13.43 | 13.32 | n/m | ||||||
| Shares, m | — | — | — | — | — | — | — | — | 9 | 9 | 9 | +0.1% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 26.82 | 26.82 | 26.82 | 26.25 | 26.8 | |||||
| P/S | — | — | — | — | — | — | — | 0.00 | 0.00 | 2.28 | 2.26 | 0.8 | ||||||
| P/B | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.98 | 1.02 | 0.3 | ||||||
| EV/Sales | — | — | — | — | — | — | — | 1.48 | 2.06 | 4.18 | — | 2.6 | ||||||
| EV/FCF | — | — | — | — | — | — | — | 42.40 | 42.07 | 41.10 | — | 41.9 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 0 | 2 | 5 | 6 | +383.4% | |||||
| Capex | — | — | — | — | — | — | — | (1) | 0 | 0 | (1) | (67.2%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | (1) | 2 | 5 | 6 | n/m | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | 90 | 125 | 119 | 119 | +15.3% | |||||
| Net debt | — | — | — | — | — | — | — | 83 | 92 | 98 | 150 | +8.6% | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | 80 | 115 | 121 | 120 | +22.5% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | (0.10) | 0.43 | 0.44 | +0.4 pt | |||||
| ROIC | — | — | — | — | — | — | — | 0.29 | (0.46) | 1.64 | 1.40 | +1.4 pt | ||||||
| ROE | — | — | — | — | — | — | — | 0.00 | (0.89) | 3.75 | 4.00 | +3.8 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 79 | 79 | — | 0.0% | |||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 0.56 | 0.65 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Jun 2026 · latest quarter Sep 2026 · fundamentals updated 4 Nov 2026
Winchester Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| WSBK Winchester Bancorp, Inc. | $122.3M | 26.3× | — | +22.45% (above 0%: growing) | +27.27% (above 0%: growing) | +27.84% (above 0%: growing) | 52.35% | 0.00% | |
| RVSB Riverview Bancorp Inc | $120.8M | — (loss-making) | 20.7× | +6.30% (above 0%: growing) | +33.33% (above 0%: growing) | +342.43% (above 0%: growing) | 75.12% | 0.00% | Compare |
| BSBK Bogota Financial Corporation | $119.9M | 44.8× | 29.2× | −5.42% (below 0%: shrinking) | +200.00% (above 0%: growing) | +11.78% (above 0%: growing) | 43.91% | 0.00% | Compare |
| SFBC Sound Financial Bancorp, Inc. | $115.8M | 14.4× | — | +1.50% (above 0%: growing) | +22.50% (above 0%: growing) | +132.05% (above 0%: growing) | 67.71% | 0.00% | Compare |
| PROV Provident Financial Holdings, Inc. | $112.7M | 17.5× | 14.9× | +1.58% (above 0%: growing) | +40.00% (above 0%: growing) | +52.70% (above 0%: growing) | 69.62% | 0.00% | Compare |
| UNB Union Bankshares, Inc. | $112.5M | 8.6× | — | +8.47% (above 0%: growing) | +15.09% (above 0%: growing) | +1,783.20% (above 0%: growing) | 63.79% | 0.00% | Compare |
| OPHC OptimumBank Holdings, Inc. | $109.6M | 5.5× | 8.9× | +38.96% (above 0%: growing) | +29.03% (above 0%: growing) | +67.40% (above 0%: growing) | 70.97% | 0.00% | Compare |
| BOTJ Bank of the James Financial Group, Inc. | $108.9M | 9.5× | 9.7× | +6.68% (above 0%: growing) | +18.33% (above 0%: growing) | −90.59% (below 0%: shrinking) | 81.91% | 0.00% | Compare |
| PNBK Patriot National Bancorp Inc. | $101.6M | — (loss-making) | 12.1× | +44.21% (above 0%: growing) | n/m | −716.54% (below 0%: shrinking) | 61.76% | 0.00% | Compare |
| Median of peers | $112.6M | 12.0× | 13.5× | +6.49% | +29.03% | +60.05% | 68.67% | 0.00% |
Pay and ownership Proxy statement filed 28 September 2026
Ownership
Directors and executive officers, together
4.30%
Winchester Bancorp, MHC.
55.00%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more.
Read the proxy statement