Winchester Bancorp, Inc. Common Stock (WSBK) Stock

Winchester Bancorp, Inc. Common Stock (WSBK) is a Financials stock trading at $13.00 (as of 2026-09-02), with a market capitalization of $120.84M and a trailing P/E of 53.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Winchester Bancorp, Inc. operates as the bank holding company for Winchester Savings Bank, offering a range of banking products and services in Massachusetts. The company provides various deposit accounts, including checking, savings, money market, and certificates of deposit. It also offers loans such as residential and commercial real estate loans, construction loans, home equity loans and lines of credit, commercial business loans, and consumer loans. Additionally, the company invests in securities.

Understand Winchester Bancorp, Inc. Common Stock: how it makes money

Winchester Bancorp is the holding company for Winchester Savings Bank, a Massachusetts community bank that earns interest income by collecting local deposits and issuing residential, commercial, and construction loans. As a small single-bank thrift, its earnings ride the local real estate cycle and the federal funds rate, with no diversified product lines to cushion downturns.

The entire profit engine is the spread between deposit costs and loan yields on a book weighted heavily to New England mortgages. One adverse rate cycle or regional property slump compresses that spread from both sides.

Business quality (Mixed): A thin-margin community thrift with a single-digit ROE that trades at a 170% premium to its sector, leaving very little room for the growth story to stumble.

Valuation: At 35× earnings, WSBK trades 170% above the Banking average (13×).

Bull case

  • Costs In Check at 12% Margin: Operating margin stands at 12%, meaning the bank clears its fixed overhead comfortably and converts its interest spread into retained earnings without needing high loan volume to justify its cost base.

Bear case

  • Valuation Far Above Peers: The stock trades at a P/E of 34.8x versus the 13x banking industry average, a 170% premium. For a single-bank community lender with no scale or product diversification, that multiple assumes sustained outperformance that is hard to maintain at this size.
Valuation — source: SEC EDGAR (first-party)
Price$13.00
Market Cap$120.84M
P/E Ratio53.4
EV / EBITDA19.0
Price / Book1.01
Price / Sales2.51
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$42.71M
Net Margin-2.0%
Revenue Growth (YoY)17.9%
Valuation vs Sector & Industry
Stock P/E53.4
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector258.3%
vs Industry321.0%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderMANGROVE PARTNERS IM, LLC ($2.36M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJohn A. Carroll
Employees71
CountryUS
IPO Date2025-05-02

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WSBK earnings history · WSBK institutional & insider holders · WSBK KPIs & operating metrics · WSBK financials · WSBK investor presentations & press releases · WSBK SEC filings · WSBK peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.