Stocks · Financial Services · Banks - Regional
Winchester Bancorp, Inc. Common Stock WSBK
$12.91 -0.31% Close, Oct 2, 2026 · NASDAQ · Market cap $115.7M
Strong growth
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 11.1% from -3.4% a year earlier.
- Net debt is 15.1× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 158 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 27%
- FCF growth (TTM, YoY)Top 19%
- Revenue growth, 3-year CAGRTop 19%
- Revenue growth accelerationBottom 45%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 47%
- Gross marginBottom 22%
- Operating marginBottom 24%
- Cash conversion (OCF / net income)Bottom 36%
- Accruals (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Bottom 7%
- Interest coverBottom 15%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 36%
- Free-cash-flow yieldBottom 32%
- EBITDA / enterprise valueBottom 31%
- Sales / enterprise valueBottom 33%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 16%
- 6-month returnBottom 25%
- 1-year return vs S&P 500Top 16%
- Distance from 52-week highTop 17%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 17%
- Maximum drawdown, 3 yearsTop 18%
- Beta vs S&P 500 (lower is better)Top 2%
- Net debt / EBITDA (lower is better)Bottom 7%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 16.8% | 16.1% | ↓ |
| Gross margin | 38.8% | 49.3% | ↑ |
| Operating margin | -3.4% | 11.1% | ↑ |
| FCF margin | 4.9% | 8.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 16.1% | 16.8% | ↓ | Top 27% |
| Gross margin | 49.3% | 38.8% | ↑ | Bottom 22% |
| Operating margin | 11.1% | -3.4% | ↑ | Bottom 24% |
| Net margin | 8.6% | -2.0% | ↑ | — |
| Free-cash-flow margin | 8.2% | 4.9% | ↑ | — |
| Return on invested capital | 1.5% | — | Top 47% | |
| Revenue growth, 3-year CAGR | 26.1% | — | Top 19% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.96×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +5.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 15.15×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 0.00%
- Share count change, 1 year
- -2.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Sep 16, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 1 of 3
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | — | +0.5% | +0.1% | -0.2% | — |
| Apr 29, 2026 | — | -0.8% | -1.9% | -1.4% | +0.3% |
| Jan 28, 2026 | — | +0.9% | +9.6% | +20.6% | +19.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.13 | — | — | $14.0M |
| Apr 29, 2026 | $0.13 | — | — | $12.9M |
| Jan 28, 2026 | $0.12 | — | — | $12.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 25.8× | — | — | Bottom 36% |
| EV / EBITDA | 33.0× | — | — | Bottom 31% |
| EV / Sales | 4.14× | — | — | Bottom 33% |
| Free-cash-flow yield | 3.64% | — | — | Bottom 32% |
| Earnings yield | 3.87% | — | — | Bottom 36% |
P/E over the past five years
Range 25.8× – 111.8× since Jun 30, 2024. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 158
- 50-day average slope (20 days)
- -0.5%
- 200-day average slope (20 days)
- +2.7%
- Distance from 50-day average
- -0.4%
- Distance from 200-day average
- +2.9%
- RSI (14)
- 49.5
- Relative volume
- 0.66×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 6.5%
- Volatility vs own 5-year history
- 3th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- -0.06
- Correlation with S&P 500
- -0.05
- Current drawdown from 1-year high
- -2.7%
- Maximum drawdown, 3 years
- -9.7%
Financial statements
- Market cap
- $115.7M
- P/E (TTM)
- 25.8
- EPS, diluted (TTM)
- $0.50
- Revenue (TTM)
- $51.6M
- 52-week range
- $9.46 – $13.39
| FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|
| Revenue | $25.8M | $36.3M | $44.5M | $51.6M |
| Gross profit | $17.3M | $15.3M | $17.2M | $25.5M |
| Operating income | $5.6M | $754,000 | -$1.5M | $5.7M |
| Net income | $4.2M | $786,000 | -$874,000 | $4.4M |
| EPS (diluted) | $0.44 | $0.08 | -$0.10 | $0.49 |
| Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | Q4 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.7M | $10.9M | $10.9M | $12.0M | $12.0M | $12.8M | $12.9M | $14.0M |
| Net income | -$632,000 | $373,000 | $305,000 | -$920,000 | $962,000 | $1.1M | $1.1M | $1.2M |
| EPS (diluted) | -$0.07 | $0.04 | $0.03 | -$0.09 | $0.11 | $0.12 | $0.13 | $0.14 |
| FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|
| Operating cash flow | $437,000 | $231,000 | $2.5M | $0 |
| Capital expenditure | $4.3M | -$1.3M | -$284,000 | $0 |
| Free cash flow | $4.7M | -$1.1M | $2.2M | $0 |
| Dividends paid | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $0 | $34.5M | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $109.9M
- Total assets
- $1.10B
- Total liabilities
- $975.4M
- Total debt
- $158.2M
- Net debt
- $98.1M
- Shareholders’ equity
- $120.5M
As of Jun 30, 2026 (filed Sep 16, 2026).
Short interest
- Shares sold short
- 12,283
- Days to cover
- 1.40
- Change vs previous report
- -8.1%
FINRA short interest, settlement date Sep 15, 2026.