WSBK

Company Overview — What Does Winchester Bancorp, Inc./MD/ Do?

Winchester Bancorp, MHC will be formed as the Massachusetts-chartered mutual holding company of Winchester Bancorp, Inc. in connection with the reorganization of Winchester Savings Bank into the “two-tier”mutual holding company form of organization. Upon completion of the reorganization and offering, Winchester Bancorp, MHC will own 55% of Winchester Bancorp, Inc.’s common stock. As a mutual holding company, Winchester Bancorp, MHC will be a non-stock company that will be required by law to own a majority of the outstanding voting stock of Winchester Bancorp, Inc. for so long as Winchester Bancorp, MHC remains in existence. Winchester Bancorp, MHC, through its board of trustees, will be able to exercise voting control over virtually all matters put to a vote of stockholders of Winchester Bancorp, Inc. Winchester Bancorp, MHC will be subject to comprehensive regulation and examination by the Massachusetts Commissioner of Banks and the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”). Winchester Bancorp, Inc. is a Maryland corporation that was incorporated in December 2024. The offering of common stock is being made by Winchester Bancorp, Inc. in connection with the reorganization of Winchester Savings Bank into the “two-tier” mutual holding company form of organization. Winchester Bancorp, Inc. will become the bank holding company for Winchester Savings Bank by owning all the outstanding shares of capital stock of Winchester Savings Bank. To date, Winchester Bancorp, Inc. has engaged in organizational activities only. Following the reorganization and offering, Winchester Bancorp, Inc.’s primary business activity will be to own all the outstanding shares of capital stock of Winchester Savings Bank. Winchester Bancorp, Inc. will be authorized to engage in any other business activities that are permissible for bank holding companies under Massachusetts and federal law. Upon completion of the reorganization and offering, Winchester Bancorp, MHC will own 55% and public stockholders will own 43% of Winchester Bancorp, Inc.’s common stock. Public stockholders will not be able to exercise voting control over most matters put to a vote of stockholders. In addition, as a “controlled company” under the meaning of the Nasdaq Stock Market corporate governance rules following the offering, Winchester Bancorp, Inc. will be exempt from certain corporate governance requirements, including the requirement that a majority of our board of directors be independent under Nasdaq Stock Market listing standards, and that executive compensation and director nominations be overseen by independent directors. Winchester Bancorp, Inc. will be subject to comprehensive regulation and examination by the Massachusetts Commissioner of Banks and the Federal Reserve Board. Winchester Bancorp, Inc.’s website address will be www.winchestersavings.com. Winchester Savings Bank is a Massachusetts-chartered savings bank headquartered in Winchester, Massachusetts. Winchester Savings Bank was originally chartered in 1871, and operates from its main office and four full-service branch offices in eastern Massachusetts, located in Arlington, Danvers and Woburn. Winchester Savings Bank’s subsidiaries are Sachem Holdings, Inc., Aberjona Holdings, Inc., 1871 Company, LLC, and Wedgemere Holdings, LLC. Sachem Holdings, Inc. and Aberjona Holdings, Inc. are Massachusetts security corporations established to hold investment securities. 1871 Company, LLC’s principal activity is the holding of bank premises. Wedgemere Holdings, LLC’s principal activity is the holding of properties acquired in settlement of loans. We consider Middlesex County and, to a lesser extent, Essex County, as our primary market area for gathering deposits. We consider Middlesex County as well as the surrounding counties located in Massachusetts as our primary market area for lending. Our business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential real estate loans, multi-family residential real estate loans, construction loans, commercial real estate loans, home equity loans and lines of credit, commercial business loans and consumer loans, as well as in investment securities. Winchester Savings Bank is subject to comprehensive regulation and examination by the Massachusetts Commissioner of Banks and the Federal Deposit Insurance Corporation (the “FDIC”). Winchester Savings Bank’s main office is located in Winchester, Massachusetts. Winchester Bancorp, Inc./MD/ (WSBK) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO John A. Carroll and employs approximately 73 people, headquartered in WINCHESTER, Massachusetts. With a market capitalization of $115M, WSBK is one of the notable companies in the Financials sector.

Winchester Bancorp, Inc./MD/ (WSBK) Stock Rating — Hold (April 2026)

As of April 2026, Winchester Bancorp, Inc./MD/ receives a Hold rating with a composite score of 43.9/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.WSBK ranks #1,439 out of 4,446 stocks in our coverage universe. Within the Financials sector, Winchester Bancorp, Inc./MD/ ranks #435 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

WSBK Stock Price and 52-Week Range

Winchester Bancorp, Inc./MD/ (WSBK) currently trades at $13.00. The stock lost $0.07 (0.5%) in the most recent trading session. The 52-week high for WSBK is $13.38, which means the stock is currently trading -2.9% from its annual peak. The 52-week low is $8.76, putting the stock 48.4% above its annual trough. Recent trading volume was 6K shares, suggesting relatively thin trading activity.

Is WSBK Overvalued or Undervalued? — Valuation Analysis

Winchester Bancorp, Inc./MD/ (WSBK) carries a value factor score of 43/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 34.86x, compared to the Financials sector average of 14.88x — a premium of 134%. The price-to-book ratio stands at 0.97x, versus the sector average of 1.22x. The price-to-sales ratio is 2.55x, compared to 0.90x for the average Financials stock. On an enterprise value basis, WSBK trades at 7.22x EV/EBITDA, versus 3.26x for the sector.

Overall, WSBK's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Winchester Bancorp, Inc./MD/ Profitability — ROE, Margins, and Quality Score

Winchester Bancorp, Inc./MD/ (WSBK) earns a quality factor score of 37/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 2.8%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.3% versus the sector average of 1.2%.

On a margin basis, Winchester Bancorp, Inc./MD/ reports gross margins of 76.4%. The operating margin is 34.3% (sector: 21.8%). Net profit margin stands at 7.2%, versus 17.7% for the average Financials stock. Revenue growth is running at 27.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

WSBK Debt, Balance Sheet, and Financial Health

Winchester Bancorp, Inc./MD/ has a debt-to-equity ratio of 759.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.13x, suggesting adequate working capital coverage.

WSBK has a beta of -0.02, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Winchester Bancorp, Inc./MD/ is 92/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

Winchester Bancorp, Inc./MD/ Revenue and Earnings History — Quarterly Trend

In TTM 2026, Winchester Bancorp, Inc./MD/ reported revenue of $45M and earnings per share (EPS) of $0.12. Net income for the quarter was $3M. Gross margin was 76.4%. Operating income came in at $15M.

In Q2 2026, Winchester Bancorp, Inc./MD/ reported revenue of $12M and earnings per share (EPS) of $0.12. Net income for the quarter was $1M. Operating income came in at $1M.

In Q1 2026, Winchester Bancorp, Inc./MD/ reported revenue of $12M and earnings per share (EPS) of $0.11. Net income for the quarter was $962,000. Revenue grew 9.8% year-over-year compared to Q1 2025. Operating income came in at $1M.

In Q1 2025, Winchester Bancorp, Inc./MD/ reported revenue of $11M and earnings per share (EPS) of $0.11. Net income for the quarter was $962,000. Gross margin was 78.1%. Operating income came in at $6M.

Over the past 8 quarters, Winchester Bancorp, Inc./MD/ has demonstrated a growth trajectory, with revenue expanding from $33M to $45M. Investors analyzing WSBK stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

WSBK Dividend Yield and Income Analysis

Winchester Bancorp, Inc./MD/ (WSBK) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

WSBK Momentum and Technical Analysis Profile

Winchester Bancorp, Inc./MD/ (WSBK) has a momentum factor score of 46/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 24/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 33/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

WSBK vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Winchester Bancorp, Inc./MD/ (WSBK) ranks #435 out of 891 stocks based on the Blank Capital composite score. This places WSBK in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing WSBK against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full WSBK vs S&P 500 (SPY) comparison to assess how Winchester Bancorp, Inc./MD/ stacks up against the broader market across all factor dimensions.

WSBK Next Earnings Date

No upcoming earnings date has been announced for Winchester Bancorp, Inc./MD/ (WSBK) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy WSBK? — Investment Thesis Summary

Winchester Bancorp, Inc./MD/ presents a balanced picture with arguments on both sides. The quality score of 37/100 flags below-average profitability. Low volatility (stability score 92/100) reduces downside risk.

In summary, Winchester Bancorp, Inc./MD/ (WSBK) earns a Hold rating with a composite score of 43.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on WSBK stock.

Related Resources for WSBK Investors

Explore more research and tools: WSBK vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare WSBK head-to-head with peers: WSBK vs WTM, WSBK vs OPY, WSBK vs ACT.