Winchester Bancorp, Inc./MD/
WSBK
Analytical Summary
Winchester Bancorp, Inc./MD/ faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.
12-Year Financial Trajectory
QuarterlyBullish Indicators
- No bullish signals detected.
Bearish Risks
- Operating Margin (%)Operating Margin (%) is in the bottom quartile
- Profit Margin (%)Profit Margin (%) is in the bottom quartile
Health Breakdown
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | Q3 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Dec 31, 2025 10-Q ↗ | Q1 FY2026 Sep 30, 2025 10-Q ↗ | Q4 FY2025 Jun 30, 2025 10-K ↗ | Q3 FY2025 Mar 31, 2025 10-Q ↗ | Q2 FY2025 Dec 31, 2024 10-Q ↗ | Q1 FY2025 Sep 30, 2024 10-Q ↗ | Q4 FY2024 Jun 30, 2024 10-K ↗ | Q3 FY2024 Mar 31, 2024 10-Q ↗ | Q2 FY2024 Dec 31, 2023 10-Q ↗ | Q1 FY2024 Sep 30, 2023 10-Q ↗ | Q4 FY2023 Jun 30, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue Growth YoY (%) |
42.6%
Excellent
→
Excellent
Stable
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+611%)
|
45.8%
Excellent
Excellent
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+664%)
|
35.7%
Excellent
Excellent
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+495%)
|
— | — | — | — | — | — | — | — | — |
| Net Income Growth YoY (%) |
275.4%
Excellent
Excellent
Year-over-year change in net income |
187.9%
Excellent
Excellent
Year-over-year change in net income |
N/M | N/M |
58.9%
Excellent
Excellent
Year-over-year change in net income |
37.1%
Excellent
Excellent
Year-over-year change in net income |
— | — | — | — | — | — |
| FCF Growth YoY (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | Q3 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Dec 31, 2025 10-Q ↗ | Q1 FY2026 Sep 30, 2025 10-Q ↗ | Q4 FY2025 Jun 30, 2025 10-K ↗ | Q3 FY2025 Mar 31, 2025 10-Q ↗ | Q2 FY2025 Dec 31, 2024 10-Q ↗ | Q1 FY2025 Sep 30, 2024 10-Q ↗ | Q4 FY2024 Jun 30, 2024 10-K ↗ | Q3 FY2024 Mar 31, 2024 10-Q ↗ | Q2 FY2024 Dec 31, 2023 10-Q ↗ | Q1 FY2024 Sep 30, 2023 10-Q ↗ | Q4 FY2023 Jun 30, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin (%) (%) |
22.4%
Good
→
Good
Stable
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-10%)
|
20.9%
Good
↑
Good
Improving
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-16%)
|
22.8%
Good
↑
Good
Improving
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-9%)
|
— |
8.0%
Caution
↑
Caution
Improving
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-68%)
|
9.4%
Caution
Caution
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-63%)
|
-19.4%
Weak
Weak
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-178%)
|
— | — | — | — | — |
| Effective Tax Rate (%) (%) |
23.4%
Fair
↓
Fair
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
20.4%
Good
↓
Good
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
27.0%
Caution
↑
Caution
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
38.1%
Weak
↑
Weak
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
18.0%
Good
↓
Good
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
9.9%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
23.9%
Fair
↓
Fair
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
2260.0%
Weak
↑
Weak
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
-11.0%
Excellent
Excellent
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
17.1%
Good
Good
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
— | — |
| Profit Margin (%) (%) |
17.2%
Good
→
Good
Stable
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-22%)
|
16.7%
Good
↑
Good
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-24%)
|
16.6%
Good
↑
Good
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-25%)
|
— |
6.5%
Caution
↑
Caution
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-70%)
|
8.4%
Caution
Caution
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-62%)
|
-14.8%
Weak
Weak
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-167%)
|
— | — | — | — | — |
| FCF Margin (%) (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| FCF / Net Income (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | Q3 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Dec 31, 2025 10-Q ↗ | Q1 FY2026 Sep 30, 2025 10-Q ↗ | Q4 FY2025 Jun 30, 2025 10-K ↗ | Q3 FY2025 Mar 31, 2025 10-Q ↗ | Q2 FY2025 Dec 31, 2024 10-Q ↗ | Q1 FY2025 Sep 30, 2024 10-Q ↗ | Q4 FY2024 Jun 30, 2024 10-K ↗ | Q3 FY2024 Mar 31, 2024 10-Q ↗ | Q2 FY2024 Dec 31, 2023 10-Q ↗ | Q1 FY2024 Sep 30, 2023 10-Q ↗ | Q4 FY2023 Jun 30, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Invested Capital (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Capital (%) (%) |
0.1%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
0.1%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
0.1%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
-0.1%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
— | — | — |
0.0%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
— | — | — | — |
| Return on Common Equity (%) (%) |
1.0%
Weak
↑
Weak
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-92%)
|
0.9%
Weak
↑
Weak
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-92%)
|
0.8%
Weak
↑
Weak
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-93%)
|
-0.8%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-107%)
|
0.4%
Weak
↑
Weak
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-97%)
|
0.5%
Weak
↑
Weak
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-96%)
|
-0.8%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-107%)
|
0.1%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-99%)
|
0.2%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-98%)
|
0.3%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-97%)
|
— | — |
| Metric | Q3 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Dec 31, 2025 10-Q ↗ | Q1 FY2026 Sep 30, 2025 10-Q ↗ | Q4 FY2025 Jun 30, 2025 10-K ↗ | Q3 FY2025 Mar 31, 2025 10-Q ↗ | Q2 FY2025 Dec 31, 2024 10-Q ↗ | Q1 FY2025 Sep 30, 2024 10-Q ↗ | Q4 FY2024 Jun 30, 2024 10-K ↗ | Q3 FY2024 Mar 31, 2024 10-Q ↗ | Q2 FY2024 Dec 31, 2023 10-Q ↗ | Q1 FY2024 Sep 30, 2023 10-Q ↗ | Q4 FY2023 Jun 30, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Debt (USD) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt / EBITDA (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | Q3 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Dec 31, 2025 10-Q ↗ | Q1 FY2026 Sep 30, 2025 10-Q ↗ | Q4 FY2025 Jun 30, 2025 10-K ↗ | Q3 FY2025 Mar 31, 2025 10-Q ↗ | Q2 FY2025 Dec 31, 2024 10-Q ↗ | Q1 FY2025 Sep 30, 2024 10-Q ↗ | Q4 FY2024 Jun 30, 2024 10-K ↗ | Q3 FY2024 Mar 31, 2024 10-Q ↗ | Q2 FY2024 Dec 31, 2023 10-Q ↗ | Q1 FY2024 Sep 30, 2023 10-Q ↗ | Q4 FY2023 Jun 30, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Working Capital (USD) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity (USD) | $119.14M | $118.25M | $116.99M | $115.35M | $80.91M | $80.33M | $80.23M | $80.29M | $79.31M | $79.12M | $78.03M | $77.05M |
| Metric | Q3 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Dec 31, 2025 10-Q ↗ | Q1 FY2026 Sep 30, 2025 10-Q ↗ | Q4 FY2025 Jun 30, 2025 10-K ↗ | Q3 FY2025 Mar 31, 2025 10-Q ↗ | Q2 FY2025 Dec 31, 2024 10-Q ↗ | Q1 FY2025 Sep 30, 2024 10-Q ↗ | Q4 FY2024 Jun 30, 2024 10-K ↗ | Q3 FY2024 Mar 31, 2024 10-Q ↗ | Q2 FY2024 Dec 31, 2023 10-Q ↗ | Q1 FY2024 Sep 30, 2023 10-Q ↗ | Q4 FY2023 Jun 30, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue/Turnover (USD) | $6.66M | $6.45M | $5.79M | — | $4.67M | $4.42M | $4.27M | — | — | — | — | — |
| Net Income, GAAP (USD) | $1.15M | $1.07M | $962.00K | $-920.00K | $305.00K | $373.00K | $-632.00K | $108.00K | $192.00K | $272.00K | — | — |
| Operating Cash Flow (USD) | $1.36M | $1.55M | $1.36M | $1.89M | $848.00K | $57.00K | $-334.00K | $-216.00K | $-357.00K | — | — | — |
| Metric | Q3 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Dec 31, 2025 10-Q ↗ | Q1 FY2026 Sep 30, 2025 10-Q ↗ | Q4 FY2025 Jun 30, 2025 10-K ↗ | Q3 FY2025 Mar 31, 2025 10-Q ↗ | Q2 FY2025 Dec 31, 2024 10-Q ↗ | Q1 FY2025 Sep 30, 2024 10-Q ↗ | Q4 FY2024 Jun 30, 2024 10-K ↗ | Q3 FY2024 Mar 31, 2024 10-Q ↗ | Q2 FY2024 Dec 31, 2023 10-Q ↗ | Q1 FY2024 Sep 30, 2023 10-Q ↗ | Q4 FY2023 Jun 30, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (approx.) (%) | 2.4% | 2.4% | 2.3% | 2.3% | — | — | — | 1.7% | — | — | — | — |
| Efficiency Ratio (%) (%) | 72.7% | 73.0% | 82.8% | — | 92.5% | 85.2% | 92.2% | — | — | — | — | — |
Secondary lens
Benchmark Lens
Compare WSBK against peers after checking the statement evidence.
Open lens
Benchmark Lens
Compare WSBK against peers after checking the statement evidence.
Signals
Key bullish and bearish indicators for WSBK
No bullish signals detected
Operating Margin (%) is in the bottom quartile
Profit Margin (%) is in the bottom quartile
Percentile Rankings
How WSBK compares to all companies
Peer Comparison
WSBK vs similar peers
Compare WSBK with peers
Stack WSBK against similar companies across every metric on this page.
north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 1 week ago 3 years · 12 quarters