NASDAQ : WSBK

Winchester Bancorp, Inc. — Financial statements

Financials · Banks - Regional · United States

Last price 13.34 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 124.00M

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Financial statements

Income statement

Fiscal year July - June; amounts in USD.

TTMFY2026FY2025FY2024FY2023
Interest Income on Loans43.78M43.78M37.53M30.64M21.42M
Interest Income on Investments6.60M6.60M5.18M4.22M3.45M
Total Interest Income50.38M50.38M42.71M34.86M24.87M
Interest Paid on Deposits19.76M19.76M19.11M15.94M5.38M
Interest Paid on Borrowings5.62M5.62M6.08M4.54M1.74M
Total Interest Expense25.39M25.39M25.19M20.49M7.12M
Net Interest Income24.99M24.99M17.52M14.37M17.75M
Gain (Loss) on Sale of Assets314.00K3.33M
Gain (Loss) on Sale of Investments-317.00K-317.00K374.00K345.00K46.00K
Other Non-Interest Income1.58M1.58M1.42M1.12M865.00K
Total Non-Interest Income1.27M1.27M1.79M1.78M4.24M
Revenues Before Loan Losses26.26M26.26M19.31M16.15M21.99M
Provision for Loan Losses789.00K789.00K2.07M514.00K1.40M
Revenue25.47M25.47M17.25M15.64M20.59M
Salaries and Employee Benefits10.86M10.86M9.59M8.83M9.76M
Occupancy Expenses1.56M1.56M1.35M1.28M1.11M
Federal Deposit Insurance715.00K715.00K848.00K472.00K283.00K
Selling, General & Administrative6.61M6.61M6.99M4.30M3.82M
Total Non-Interest Expense19.75M19.75M18.78M14.88M14.97M
EBT Excluding Unusual Items5.72M5.72M-1.53M754.00K5.62M
Pretax Income5.72M5.72M-1.53M754.00K5.62M
Income Tax Expense1.30M1.30M-656.00K-32.00K1.46M
Net Income4.42M4.42M-874.00K786.00K4.16M
Net Income to Common4.42M4.42M-874.00K786.00K4.16M
Basic Shares Outstanding8.97M8.97M8.96M
Diluted Shares Outstanding8.97M8.97M8.96M
EPS (Basic)0.490.49-0.10
EPS (Diluted)0.490.49-0.10
Effective Tax Rate22.71%22.71%26.02%

Balance sheet

Fiscal year July - June; amounts in USD.

TTMFY2026FY2025FY2024FY2023
Cash & Equivalents60.05M60.05M55.24M44.11M52.18M
Investment Securities125.00M125.00M104.51M88.75M73.39M
Trading Asset Securities38.00K38.00K
Total Investments125.04M125.04M104.51M88.75M73.39M
Gross Loans875.56M875.56M755.37M685.40M601.91M
Allowance for Loan Losses-4.78M-4.78M-4.15M-3.45M-5.52M
Net Loans870.77M870.77M751.22M681.95M596.39M
Property, Plant & Equipment5.59M5.59M6.42M6.98M6.10M
Accrued Interest Receivable4.03M4.03M3.33M3.17M2.26M
Long-Term Deferred Tax Assets1.09M1.09M1.21M665.00K
Other Long-Term Assets22.57M22.57M21.17M22.24M15.68M
Total Assets1.10B1.10B949.38M852.97M750.63M
Accrued Expenses4.78M4.78M6.09M6.11M3.97M
Interest Bearing Deposits746.07M746.07M623.49M582.95M450.21M
Non-Interest Bearing Deposits63.17M63.17M55.70M52.44M126.15M
Total Deposits809.24M809.24M679.18M635.39M576.36M
Current Portion of Long-Term Debt59.00M59.00M
Current Portion of Leases265.00K265.00K
Federal Home Loan Bank Debt, Long-Term99.16M99.16M147.00M129.47M91.70M
Long-Term Leases1.18M1.18M
Long-Term Deferred Tax Liabilities70.00K
Other Long-Term Liabilities1.81M1.81M1.76M1.64M1.56M
Total Liabilities975.42M975.42M834.03M772.68M673.59M
Common Stock93.00K93.00K93.00K
Additional Paid-In Capital39.59M39.59M39.57M
Retained Earnings85.14M85.14M80.72M82.09M80.30M
Comprehensive Income & Other-4.31M-4.31M-5.03M-1.81M-3.26M
Shareholders' Equity120.51M120.51M115.35M80.29M77.05M
Total Liabilities & Equity1.10B1.10B949.38M852.97M750.63M
Total Debt159.60M159.60M147.00M129.47M91.70M
Net Cash (Debt)-99.52M-99.52M-91.76M-85.36M-39.52M
Net Cash Per Share-11.09-11.09-10.24
Filing Date Shares Outstanding9.30M9.30M9.30M
Total Common Shares Outstanding9.30M9.30M9.30M
Book Value Per Share12.9612.9612.41
Tangible Book Value120.51M120.51M115.35M80.29M77.05M
Tangible Book Value Per Share12.9612.9612.41

Cash flow statement

Fiscal year July - June; amounts in USD.

TTMFY2026FY2025FY2024FY2023
Net Income4.42M4.42M-874.00K786.00K4.16M
Depreciation & Amortization970.00K970.00K847.00K750.00K640.00K
Gain (Loss) on Sale of Assets-314.00K-3.33M
Gain (Loss) on Sale of Investments347.00K347.00K-14.00K65.00K480.00K
Provision for Credit Losses789.00K789.00K2.07M514.00K1.40M
Accrued Interest Receivable-707.00K-707.00K-162.00K-907.00K-607.00K
Change in Other Net Operating Assets-43.00K-43.00K537.00K-72.00K-1.75M
Other Operating Activities-380.00K-380.00K-1.79M-591.00K-553.00K
Operating Cash Flow5.40M5.40M2.46M231.00K437.00K
Capital Expenditures-142.00K-142.00K-284.00K-1.32M
Sale of Property, Plant and Equipment4.30M
Investment in Securities-20.55M-20.55M-14.68M-14.70M3.23M
Net Decrease (Increase) in Loans Originated / Sold - Investing-120.65M-120.65M-71.25M-83.37M-120.02M
Other Investing Activities-513.00K-513.00K-515.00K-5.79M-9.26M
Investing Cash Flow-141.86M-141.86M-86.73M-105.18M-121.75M
Short-Term Debt Issued13.53M19.70M
Long-Term Debt Issued45.00M45.00M17.00M190.00M112.00M
Total Debt Issued45.00M45.00M30.53M190.00M131.70M
Short-Term Debt Repaid-7.00M-7.00M-3.23M
Long-Term Debt Repaid-26.84M-26.84M-13.00M-149.00M-48.00M
Total Debt Repaid-33.84M-33.84M-13.00M-152.23M-48.00M
Net Debt Issued (Repaid)11.16M11.16M17.53M37.77M83.70M
Issuance of Common Stock37.80M
Repurchase of Common Stock-3.35M
Net Increase (Decrease) in Deposit Accounts130.05M130.05M43.79M59.03M26.66M
Other Financing Activities53.00K53.00K-386.00K84.00K-43.00K
Financing Cash Flow141.26M141.26M95.39M96.89M110.31M
Net Cash Flow4.80M4.80M11.13M-8.06M-11.00M
Free Cash Flow5.25M5.25M2.18M-1.09M437.00K
Free Cash Flow Margin20.63%20.63%12.65%-6.94%2.12%
Free Cash Flow Per Share0.590.590.24
Cash Interest Paid25.57M25.57M25.58M20.16M6.59M
Cash Income Tax Paid1.37M1.37M-439.00K-478.00K2.50M

Ratios

Fiscal year July - June; amounts in USD.

TTMFY2026FY2025FY2024FY2023
Market Capitalization124.00M122.14M83.19M
Last Close Price13.3413.148.95
PE Ratio27.0727.63
PS Ratio4.874.794.82
PB Ratio1.031.010.72
P/FCF Ratio23.6023.2438.15
P/OCF Ratio22.9822.6333.75
Debt / Equity Ratio1.321.321.271.611.19
Debt / FCF Ratio30.3730.3767.40209.84
Net Debt / Equity Ratio0.830.830.801.060.51
Net Debt / FCF Ratio18.9418.9442.07-78.6090.44
Return on Equity (ROE)3.75%3.75%-0.89%1.00%
Return on Assets (ROA)0.43%0.43%-0.10%0.10%
Earnings Yield3.69%3.62%-1.05%
FCF Yield4.24%4.30%2.62%
Buyback Yield / Dilution-0.11%-0.11%