Company research
Winchester Bancorp, Inc./MD/
CIK 2047235Updated Nov 9, 2026
SecurityWSBK · NASDAQ · equity
WSBK price & chart
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NASDAQ:WSBK on TradingView ↗About the company
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.
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Seeking Alpha
Recent filings
4 filing
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements · Submission of Matters to a Vote of Security Holders
Items 5.02, 5.07, 9.01
S-8 filing
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
Show 5 more recent filings
Financials
FY 2026 · USDSource
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2026 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | FY 2026 | FY 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||
| AssetsUSD | 1,057,104,000Source | 923,092,000Source | — | 1,015,970,000Source | 894,086,000Source | — | 1,005,212,000Source | — | 1,095,936,000Source | 949,378,000Source |
| Property, Plant and Equipment, NetUSD | 5,714,000Source | 6,612,000Source | — | 5,927,000Source | 6,697,000Source | — | 6,188,000Source | — | 5,590,000Source | 6,418,000Source |
| Current assets: | ||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 53,952,000Source | 66,617,000Source | — | 54,785,000Source | 41,548,000Source | — | 57,717,000Source | — | 60,047,000Source | 55,244,000Source |
| LIABILITIES AND EQUITY | ||||||||||
| LiabilitiesUSD | 937,960,000Source | 842,178,000Source | — | 897,723,000Source | 813,761,000Source | — | 888,220,000Source | — | 975,423,000Source | 834,026,000Source |
| Stockholders’ equity: | ||||||||||
| Preferred Stock, Value, IssuedUSD | 0Source | — | — | 0Source | — | — | 0Source | — | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 93,000Source | — | — | 93,000Source | — | — | 93,000Source | — | 93,000Source | 93,000Source |
| Additional Paid in CapitalUSD | 39,574,000Source | — | — | 39,564,000Source | — | — | 39,567,000Source | — | 39,586,000Source | 39,571,000Source |
| Retained Earnings (Accumulated Deficit)USD | 83,901,000Source | 82,140,000Source | — | 82,756,000Source | 81,835,000Source | — | 81,682,000Source | — | 85,141,000Source | 80,720,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -1,229,000Source | -1,226,000Source | — | -928,000Source | -1,510,000Source | — | -1,072,000Source | — | -1,156,000Source | -1,686,000Source |
| Stockholders' Equity Attributable to ParentUSD | 119,144,000Source | 80,914,000Source | 79,308,000Source | 118,247,000Source | 80,325,000Source | 79,122,000Source | 116,992,000Source | 80,233,000Source | 120,513,000Source | 115,352,000Source |
| Liabilities and EquityUSD | 1,057,104,000Source | 923,092,000Source | — | 1,015,970,000Source | 894,086,000Source | — | 1,005,212,000Source | — | 1,095,936,000Source | 949,378,000Source |
| Deferred Income Tax Liabilities, Net | — | —Source | — | — | —Source | — | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2026 | Q4 2025 | Q3 2026 | Q3 2025 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2026 | FY 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | 1,145,000Source | 305,000Source | 1,074,000Source | 373,000Source | 962,000Source | -632,000Source | 4,421,000Source | -874,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||
| Depreciation and amortization | — | — | — | — | — | — | —Source | —Source | —Source | —Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | 64,000Source | — | -64,000Source | -1,242,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 1,357,000Source | -334,000Source | 5,397,000Source | 2,465,000Source |
| Cash flows from investing activities: | ||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -53,312,000Source | -27,065,000Source | -141,859,000Source | -86,728,000Source |
| Cash flows from financing activities: | ||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | — | — | 0Source | 3,346,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 54,428,000Source | 20,500,000Source | 141,265,000Source | 95,393,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 2,473,000Source | -6,899,000Source | 4,803,000Source | 11,130,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 53,952,000Source | 66,617,000Source | 54,785,000Source | 41,548,000Source | 57,717,000Source | 37,215,000Source | 60,047,000Source | 55,244,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 4,656,000Source | 5,112,000Source | 19,829,000Source | 19,136,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | 641,000Source | 15,000Source | 1,366,000Source | -439,000Source |
| Additional Financial Items | ||||||||||
| Bank Owned Life Insurance IncomeUSD | — | — | 117,000Source | 115,000Source | 119,000Source | 118,000Source | 119,000Source | 117,000Source | 472,000Source | 466,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | 0Source | 0Source | 0Source | 0Source | 317,000Source | 0Source | 317,000Source | 0Source |
| Deferred Other Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 64,000Source | 1,242,000Source |
| Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to SettlementUSD | — | — | — | — | — | — | — | — | -52,000Source | — |
| Equity Securities, FV-NI, Gain (Loss)USD | — | — | 0Source | -71,000Source | 0Source | 52,000Source | 0Source | 171,000Source | — | 374,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | 0Source | 0Source | 8,000Source | 0Source | — | — | 8,000Source | — |
| Income Tax Expense (Benefit)USD | — | — | 349,000Source | 67,000Source | 276,000Source | 41,000Source | 356,000Source | -198,000Source | 1,299,000Source | -656,000Source |
| Marketable Securities, Gain (Loss), Excluding Other-than-temporary Impairment LossUSD | — | — | — | — | — | — | 0Source | 171,000Source | 0Source | 374,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 1,145,000Source | 305,000Source | 1,074,000Source | 373,000Source | 962,000Source | -632,000Source | 4,421,000Source | -874,000Source |
| Operating Lease, ExpenseUSD | — | — | — | — | — | — | — | — | 258,000Source | 228,000Source |
| Operating Lease, Lease IncomeUSD | — | — | — | — | — | — | — | — | 0Source | 0Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | 39,970,000Source | — | — | — | — | 0Source | 37,805,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 1,784,000Source | 9,714,000Source | 17,452,000Source | 15,575,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 325,000Source | -21,000Source | 388,000Source | 238,000Source | -320,000Source | 1,162,000Source | 789,000Source | 2,066,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | 153,000Source | 15,000Source | 350,000Source | 238,000Source | 475,000Source | 1,273,000Source | 1,229,000Source | 2,068,000Source |
| Marketable Securities, Unrealized Gain (Loss) | — | — | — | — | — | — | — | — | — | — |
| Operating Expenses | — | — | — | —Source | — | —Source | — | — | — | — |
| Other Nonoperating Income (Expense) | — | — | — | —Source | — | —Source | — | — | — | — |
income statement · annual statements
| Line item | Q4 2026 | Q4 2025 | Q3 2026 | Q3 2025 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2026 | FY 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 1,494,000Source | 372,000Source | 1,350,000Source | 414,000Source | 1,318,000Source | -830,000Source | 5,720,000Source | -1,530,000Source |
| Income Tax Expense (Benefit)USD | — | — | 349,000Source | 67,000Source | 276,000Source | 41,000Source | 356,000Source | -198,000Source | 1,299,000Source | -656,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 1,145,000Source | 305,000Source | 1,074,000Source | 373,000Source | 962,000Source | -632,000Source | 4,421,000Source | -874,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.13Source | — | 0.12Source | — | 0.11Source | — | 0.49Source | -0.09Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.13Source | — | 0.12Source | — | 0.11Source | — | 0.49Source | -0.09Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 8,973,154Source | — | 8,969,031Source | — | 8,964,893Source | — | 8,971,061Source | 9,247,571Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 8,973,154Source | — | 8,969,031Source | — | 8,964,893Source | — | 8,971,061Source | 9,247,571Source |
| Additional Financial Items | ||||||||||
| Bank Owned Life Insurance IncomeUSD | — | — | 117,000Source | 115,000Source | 119,000Source | 118,000Source | 119,000Source | 117,000Source | 472,000Source | 466,000Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 1,363,000Source | 586,000Source |
| Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to SettlementUSD | — | — | — | — | — | — | — | — | -52,000Source | — |
| Depreciation, Depletion and Amortization, NonproductionUSD | — | — | — | — | — | — | 223,000Source | 209,000Source | 970,000Source | 847,000Source |
| InterestExpenseOperatingUSD | — | — | 6,219,000Source | 6,240,000Source | 6,351,000Source | 6,476,000Source | 6,196,000Source | 6,463,000Source | 25,387,000Source | 25,191,000Source |
| Interest Income (Expense), NetUSD | — | — | 6,297,000Source | 4,373,000Source | 6,063,000Source | 4,031,000Source | 5,741,000Source | 3,768,000Source | 24,993,000Source | 17,522,000Source |
| Labor and Related ExpenseUSD | — | — | 2,659,000Source | 2,531,000Source | 2,621,000Source | 2,174,000Source | 2,697,000Source | 2,263,000Source | 11,748,000Source | 9,688,000Source |
| Marketing and Advertising ExpenseUSD | — | — | 216,000Source | 120,000Source | 144,000Source | 96,000Source | 184,000Source | 96,000Source | 734,000Source | 462,000Source |
| Net Periodic Defined Benefits Expense (Reversal of Expense), Excluding Service Cost ComponentUSD | — | — | 0Source | 0Source | 0Source | 0Source | — | — | -697,000Source | -73,000Source |
| Operating Lease, ExpenseUSD | — | — | — | — | — | — | — | — | 258,000Source | 228,000Source |
| Operating Lease, Lease IncomeUSD | — | — | — | — | — | — | — | — | 0Source | 0Source |
| Other General and Administrative ExpenseUSD | — | — | 864,000Source | 695,000Source | 888,000Source | 572,000Source | 900,000Source | 633,000Source | 3,684,000Source | 4,906,000Source |
| Other Nonoperating Income (Expense) | — | — | — | —Source | — | —Source | — | — | — | — |
| Operating Expenses | — | — | — | —Source | — | —Source | — | — | — | — |
Offerings
Registration 333-283752
Filing attachments
wsbk-ex99_1.htm · 8-K · 2026-10-28
Exhibit 99.1 Winchester Bancorp, Inc. Announces Results for the Quarter Ended September 30, 2026 Investor Contact John A. Carroll President and Chief Executive Officer IR@WinchesterSavings.com (781) 729-2130 WINCHESTER, MA, October 28, 2026 - Winchester Bancorp, Inc. (the "Company"), the holding company for Winchester Savings Bank (the "Bank"), today announced its financial results for the quarter ended September 30, 2026, the first quarter of the six-month transition period ending Decem…
Read attachment ↗wsbk-ex4_1.htm · 10-K · 2026-09-16
Exhibit 4.1 DESCRIPTION OF CAPITAL STOCK OF WINCHESTER BANCORP, INC. General Winchester Bancorp, Inc. is authorized to issue 20,000,000 shares of common stock, par value $0.01 per share and 5,000,000 shares of serial preferred stock, par value $0.01 per share. Each share of Winchester Bancorp, Inc.’s common stock has the same relative rights as, and is identical in all respects with, each other share of common stock. The common stock of Winchester Bancorp, Inc. represents non-withdrawable ca…
Read attachment ↗wsbk-ex99_1.htm · 8-K · 2026-07-30
EX-99.1 3 wsbk-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Winchester Bancorp, Inc. Announces Results for the Year Ended June 30, 2026 Investor Contact John A. Carroll President and Chief Executive Officer IR@WinchesterSavings.com (781) 729-2130 WINCHESTER, MA, July 30, 2026 - Winchester Bancorp, Inc. (NASDAQ-WSBK) (the "Company"), the holding company for Winchester Savings Bank (the "Bank"), today announced its fiscal 2026 financial results. The Company reported net income of $4.4 mill…
Read attachment ↗wsbk-ex99_1.htm · 8-K · 2026-04-29
EX-99.1 2 wsbk-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Winchester Bancorp, Inc. Announces Results for the Quarter Ended March 31, 2026 Investor Contact John A. Carroll President and Chief Executive Officer IR@WinchesterSavings.com (781) 729-2130 WINCHESTER, MA, April 29, 2026 - Winchester Bancorp, Inc. (NASDAQ-WSBK) (the "Company"), the holding company for Winchester Savings Bank (the "Bank"), today announced its third quarter 2026 financial results. The Company reported net income …
Read attachment ↗wsbk-ex99_1.htm · 8-K · 2026-01-28
Exhibit 99.1 Winchester Bancorp, Inc. Announces Results for the Quarter Ended December 31, 2025 Investor Contact John A. Carroll President and Chief Executive Officer IR@WinchesterSavings.com (781) 729-2130 WINCHESTER, MA, January 28, 2026 - Winchester Bancorp, Inc. (NASDAQ-WSBK) (the "Company"), the holding company for Winchester Savings Bank (the "Bank"), today announced its second quarter 2026 financial results. The Company reported net income of $1.1 million or $0.12 per common share…
Read attachment ↗wsbk-ex99_1.htm · 8-K · 2025-10-22
EX-99.1 2 wsbk-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Winchester Bancorp, Inc. Announces Results for the Quarter Ended September 30, 2025 Investor Contact John A. Carroll President and Chief Executive Officer IR@WinchesterSavings.com (781) 729-2130 WINCHESTER, MA, October 22, 2025 - Winchester Bancorp, Inc. (NASDAQ-WSBK) (the "Company"), the holding company for Winchester Savings Bank (the "Bank"), today announced its first quarter financial results. The Company reported net income…
Read attachment ↗