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. In the quarter to June 2026, revenue grew 16.8%, free cash flow fell 44.1% and total debt rose 7.59%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
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Winchester Bancorp, Inc. (WSBK) Piotroski F-score
Winchester Bancorp, Inc.'s Piotroski F-score for fiscal 2026 is 7 out of 9: 7 of nine tests of profitability, leverage and efficiency passed.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2026 | 7 | — |
How fiscal 2026’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | 0.43% | (0.10%) | Pass | 1 |
| Positive operating cash flow | 5.40m | 2.47m | Pass | 1 |
| Rising return on assets | 0.43% | (0.10%) | Pass | 1 |
| Cash flow above net income | 976.00k | 3.34m | Pass | 1 |
| Falling long-term leverage | 0.15 | 0.16 | Pass | 1 |
| Rising current ratio | 1.15 | 1.18 | Fail | 0 |
| No new shares issued | 8,971,100 | 8,961,500 | Fail | 0 |
| Rising gross margin | 50.85% | 43.40% | Pass | 1 |
| Rising asset turnover | 0.05 | 0.05 | Pass | 1 |
| Piotroski F-score | Strong — most fundamentals improved | 7 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| BOTJ Bank of the James Financial Group, Inc. compare | 8 |
| PROV Provident Financial Holdings, Inc. compare | 8 |
| BSBK Bogota Financial Corporation compare | 8 |
| WSBK Winchester Bancorp, Inc. | 7 |
| UNB Union Bankshares, Inc. compare | 7 |
| SFBC Sound Financial Bancorp, Inc. compare | 6 |
| OPHC OptimumBank Holdings, Inc. compare | 6 |
| RVSB Riverview Bancorp Inc compare | 5 |
| BYFC Broadway Financial Corporation compare | 4 |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover