WSBK · Winchester Bancorp, Inc./MD/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 |
|---|---|---|---|---|---|
| Revenue | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| R&D | - | - | - | - | - |
| SG&A | - | - | - | - | - |
| Total Operating Expenses | - | - | - | $3.86M | $3.67M |
| D&A | - | - | $209.0K | - | - |
| Operating Income | $1.49M | $1.35M | $1.32M | $414.0K | $173.0K |
| Interest Expense | - | - | - | - | - |
| Income Tax | $349.0K | $276.0K | $356.0K | $41.0K | ($19.0K) |
| Net Income | $1.15M | $1.07M | $962.0K | $272.0K | $192.0K |
| EPS - Basic | $0.13 | $0.12 | $0.11 | - | - |
| EPS - Diluted | $0.13 | $0.12 | $0.11 | - | - |
Balance Sheet
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 |
|---|---|---|---|---|---|
| Cash & Equivalents | $53.95M | $54.78M | $57.72M | $55.24M | $66.62M |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - |
| Current Assets | - | - | - | - | - |
| Total Assets | $1.06B | $1.02B | $1.01B | $949.38M | $923.09M |
| Current Liabilities | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - |
| Total Liabilities | $937.96M | $897.72M | $888.22M | $834.03M | $842.18M |
| Stockholders' Equity | $119.14M | $118.25M | $116.99M | $115.35M | $80.91M |
| Retained Earnings | $83.90M | $82.76M | $81.68M | $80.72M | $82.14M |
Cash Flow
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | - | ($334.0K) | - | - |
| Investing Cash Flow | - | - | ($27.07M) | - | - |
| Financing Cash Flow | - | - | $20.50M | - | - |
| CapEx | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - |
Ratios
| Metric | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 |
|---|---|---|---|---|---|
| Profitability | |||||
| Gross margin | - | - | - | - | - |
| Operating margin | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - |
| Effective tax rate | 23.4% | 20.4% | 27.0% | 13.1% | -11.0% |
| Return on assets | 0.1% | 0.1% | 0.1% | 0.0% | 0.0% |
| Return on equity | 1.0% | 0.9% | 0.8% | 0.2% | 0.2% |
| Return on invested capital | - | - | - | - | - |
| Liquidity | |||||
| Current ratio | - | - | - | - | - |
| Quick ratio | - | - | - | - | - |
| Cash ratio | - | - | - | - | - |
| Leverage | |||||
| Debt / Equity | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - |
| Interest coverage | - | - | - | - | - |
| Equity multiplier | 8.87 | 8.59 | 8.59 | 8.23 | 11.41 |
| Liabilities / Assets | 0.89 | 0.88 | 0.88 | 0.88 | 0.91 |
| Efficiency | |||||
| Asset turnover | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - |
| Valuation | |||||
| P / E | 97.7x | 87.1x | 86.8x | - | - |
| P / B | 1.0x | 0.8x | 0.7x | - | - |
| P / S | - | - | - | - | - |
| EV / EBITDA | - | - | 18.3x | - | - |
| Growth | |||||
| Revenue growth (YoY) | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - |
| Operating income growth (YoY) | 763.6% | 226.1% | - | - | - |
| Net income growth (YoY) | 496.4% | 294.9% | - | - | - |
| EPS growth (YoY) | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - |
| Book value growth (YoY) | 47.2% | 2.5% | - | - | - |
Peer comparison
Same SIC group: Savings Institutions, Not Federally Chartered
Comparing Winchester Bancorp against the 5 most active filers in the same SIC group.