Winchester Bancorp Inc. Common Stock (WSBK)

FairStock Score: 41/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Winchester Bancorp is a tiny regional bank holding company—71 employees—operating through Winchester Savings Bank. Banking is a commodity business; local deposits and loan relationships can create a modest advantage, but without CET1, net interest margin, nonperforming assets, or reserve data, I cannot underwrite credit risk. The turnaround is real: in fiscal 2026, the year ended 2026-06-30, it reported net income of $4.4 million and diluted EPS of $0.49, versus a fiscal 2025 net loss of $874,000 and diluted EPS of -$0.10. Fiscal 2024, ended 2024-06-30, had net income of $786,000. Quarterly progress is positive but not long: fiscal Q1 2026, ended 2025-09-30, net income $962,000; fiscal Q2 2026, ended 2025-12-31, net income $1.1 million; fiscal Q3 2026, ended 2026-03-31, net income $1.1 million. At the 2026-10-13 close of $12.90, FairStock calculates P/E 26.34, P/B 1.01, ROE 3.75%, ROCE 0.43%, PEG 0.10, and Piotroski 5/9. The market pays about book value for a low-return bank, with a high earnings multiple unless profits keep compounding. The provided growth figures are dramatic—revenue +42.64%, profit +275.41%—but the filed revenue lines are n/a, so I need more history and credit metrics to trust them. No dividend. FairStock score 41/100 and Lynch TURNAROUND fit: improving, but not yet proven.

In plain English: Winchester Bancorp is a small community bank with 71 employees that takes deposits and makes loans. It lost money in fiscal 2025 but earned $4.4 million in fiscal 2026, so the business is recovering. At $12.90, the stock looks fairly valued rather than clearly cheap because the recent profit is modest relative to the price.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q3 2025 10-Q (period ended 2025-03-31) · FY2026 10-K (period ended 2026-06-30) · FY2025 10-K (period ended 2025-06-30) · FY2024 10-K (period ended 2024-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer