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    WSBK

    Winchester Bancorp, Inc./MD/

    Company overview

    Market capitalization
    $118.14M
    Employees
    71
    Latest publication
    2026-09-29
    About Winchester Bancorp, Inc./MD/

    Winchester Bancorp, Inc. operates as a bank holding company for Winchester Savings Bank that provides banking products and services in the United States. The company offers deposit accounts, including non-interest-bearing checking, interest-bearing checking, money market, and savings accounts, as well as certificates of deposit; and one- to four-family residential real estate loans, multifamily residential real estate loans, construction loans, commercial real estate loans, home equity loans and lines of credit, commercial business loans, and consumer loans including automobile loans, home mortgages, credit lines, and other personal loans, as well as invests in securities. Winchester Bancorp, Inc. was incorporated in 1871 and is headquartered in Winchester, Massachusetts. Winchester Bancorp, Inc. is a subsidiary of Winchester Bancorp, MHC.

    Company website

    Financial statements

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20262026-06-30 · USDFY 20252025-06-30 · USDFY 20242024-06-30 · USDFY 20232023-06-30 · USD
    Total Revenue51,648,000USD44,505,000USD36,328,000USD25,782,000USD
    Selling And Marketing Expenses734,000USD462,000USD376,000USD—
    Total Operating Expenses734,000USD18,778,000USD14,571,000USD11,641,000USD
    Interest Income50,380,000USD42,713,000USD34,863,000USD24,871,000USD
    Interest Expense25,387,000USD25,191,000USD20,489,000USD7,122,000USD
    Net Interest Income24,993,000USD17,522,000USD14,374,000USD17,749,000USD
    Non Interest Income1,268,000USD———
    Revenue Net Of Interest Expense26,261,000USD———
    Non Interest Expense19,752,000USD———
    Labor And Related Expense11,748,000USD———
    Income Before Tax5,720,000USD-1,530,000USD754,000USD5,623,000USD
    Income Tax Expense1,299,000USD-656,000USD-32,000USD1,463,000USD
    Net Income4,421,000USD-874,000USD786,000USD4,160,000USD
    Cost Of Revenue—27,257,000USD21,003,000USD8,518,000USD
    Gross Profit—17,248,000USD15,325,000USD17,264,000USD
    Selling General Administrative—4,906,000USD11,865,000USD12,399,000USD
    Unclassified Operating Expenses—13,410,000USD2,330,000USD—
    Operating Income—-1,530,000USD754,000USD5,623,000USD
    Tax Provision—-656,000USD-32,000USD1,463,000USD
    Net Income From Continuing Ops—-874,000USD786,000USD4,160,000USD
    Ebit—-1,530,000USD754,000USD5,623,000USD
    Ebitda—-683,000USD1,504,000USD6,263,000USD
    Depreciation And Amortization—847,000USD750,000USD640,000USD
    Reconciled Depreciation—847,000USD750,000USD640,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ3 20262026-03-31 · USDQ2 20262025-12-31 · USDQ1 20262025-09-30 · USDQ4 20252025-06-30 · USDQ3 20252025-03-31 · USDQ2 20252024-12-31 · USDQ1 20252024-09-30 · USDQ4 20242024-06-30 · USD
    Total Revenue12,883,000USD12,796,000USD11,989,000USD11,965,000USD10,912,000USD10,895,000USD10,732,000USD9,939,000USD
    Cost Of Revenue6,544,000USD6,739,000USD5,876,000USD6,698,000USD6,219,000USD6,714,000USD7,625,000USD6,233,000USD
    Gross Profit6,339,000USD6,057,000USD6,113,000USD5,267,000USD4,693,000USD4,181,000USD3,107,000USD3,706,000USD
    Selling General Administrative3,123,000USD889,000USD2,870,000USD5,863,000USD3,436,000USD2,953,000USD3,117,000USD2,928,000USD
    Selling And Marketing Expenses216,000USD144,000USD184,000USD150,000USD120,000USD96,000USD96,000USD96,000USD
    Unclassified Operating Expenses1,506,000USD3,674,000USD1,741,000USD—————
    Total Operating Expenses4,845,000USD4,707,000USD4,795,000USD6,753,000USD4,321,000USD3,767,000USD3,937,000USD3,711,000USD
    Operating Income1,494,000USD1,350,000USD1,318,000USD-1,486,000USD372,000USD414,000USD-830,000USD-5,000USD
    Interest Income12,516,000USD12,414,000USD11,937,000USD11,361,000USD10,613,000USD10,507,000USD10,231,000USD9,528,000USD
    Interest Expense6,219,000USD6,350,000USD6,196,000USD6,011,000USD6,240,000USD6,476,000USD6,463,000USD5,958,000USD
    Net Interest Income6,297,000USD6,063,000USD5,741,000USD5,350,000USD4,373,000USD4,031,000USD3,768,000USD3,570,000USD
    Income Before Tax1,494,000USD1,350,000USD1,318,000USD-1,486,000USD372,000USD414,000USD-830,000USD-5,000USD
    Income Tax Expense349,000USD276,000USD356,000USD-566,000USD67,000USD41,000USD-198,000USD-113,000USD
    Tax Provision349,000USD276,000USD356,000USD-566,000USD67,000USD41,000USD-198,000USD-113,000USD
    Net Income1,145,000USD1,074,000USD962,000USD-920,000USD305,000USD373,000USD-632,000USD108,000USD
    Net Income From Continuing Ops1,145,000USD1,074,000USD962,000USD-920,000USD305,000USD373,000USD-632,000USD108,000USD
    Ebit7,713,000USD1,350,000USD1,318,000USD-1,486,000USD372,000USD414,000USD-830,000USD-5,000USD
    Ebitda1,494,000USD1,671,000USD1,541,000USD-1,266,000USD578,000USD626,000USD-621,000USD205,000USD
    Depreciation And Amortization-342,000USD321,000USD223,000USD220,000USD206,000USD212,000USD209,000USD210,000USD
    Reconciled Depreciation213,000USD321,000USD223,000USD220,000USD206,000USD212,000USD209,000USD210,000USD
    Total Other Income Expense Net4,162,000USD———————
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ4 20262026-06-30 · USDQ3 20262026-03-31 · USDQ2 20262025-12-31 · USDQ1 20262025-09-30 · USDQ4 20252025-06-30 · USDQ3 20252025-03-31 · USDQ2 20252024-12-31 · USDQ1 20252024-09-30 · USD
    Total Assets1,095,936,000USD1,057,104,000USD1,015,970,000USD1,005,212,000USD949,378,000USD923,092,000USD894,086,000USD872,853,000USD
    Cash And Equivalents60,047,000USD———————
    Cash And Short Term Investments60,047,000USD98,876,000USD95,152,000USD56,385,000USD80,507,000USD101,603,000USD74,501,000USD65,771,000USD
    Short Term Investments0USD44,924,000USD40,367,000USD54,732,000USD25,263,000USD34,986,000USD32,953,000USD28,556,000USD
    Total Liabilities975,423,000USD———————
    Total Stockholder Equity120,513,000USD119,144,000USD118,247,000USD116,992,000USD115,352,000USD80,914,000USD80,325,000USD80,233,000USD
    Total Equity Including Noncontrolling Interest120,513,000USD———————
    Property Plant Equipment Net5,590,000USD5,714,000USD5,927,000USD6,188,000USD6,418,000USD6,612,000USD6,697,000USD6,832,000USD
    Common Stock93,000USD93,000USD93,000USD93,000USD93,000USD———
    Retained Earnings85,141,000USD83,901,000USD82,756,000USD81,682,000USD80,720,000USD82,140,000USD81,835,000USD81,462,000USD
    Accumulated Other Comprehensive Income-1,156,000USD-1,229,000USD-928,000USD-1,072,000USD-1,686,000USD80,914,000USD80,325,000USD80,233,000USD
    Other Current Assets—-65,204,000USD——————
    Total Liab—937,960,000USD897,723,000USD888,220,000USD834,026,000USD842,178,000USD813,761,000USD792,620,000USD
    Other Current Liab—785,613,000USD748,310,000USD718,369,000USD680,938,000USD704,948,000USD662,836,000USD644,077,000USD
    Capital Stock—93,000USD93,000USD93,000USD93,000USD———
    Cash—53,952,000USD54,785,000USD1,653,000USD55,244,000USD66,617,000USD41,548,000USD37,215,000USD
    Total Current Assets—102,496,000USD98,778,000USD59,843,000USD83,834,000USD104,664,000USD77,635,000USD68,842,000USD
    Total Current Liabilities—785,613,000USD748,310,000USD718,369,000USD680,938,000USD704,948,000USD662,836,000USD644,077,000USD
    Net Debt—92,931,000USD88,811,000USD162,347,000USD91,756,000USD64,383,000USD103,970,000USD105,711,000USD
    Short Long Term Debt Total—146,883,000USD143,596,000USD164,000,000USD147,000,000USD131,000,000USD145,518,000USD142,926,000USD
    Long Term Debt—146,883,000USD143,596,000USD164,000,000USD147,000,000USD131,000,000USD145,518,000USD142,926,000USD
    Long Term Investments—123,988,000USD122,747,000USD115,355,000USD104,510,000USD89,027,000USD88,068,000USD88,917,000USD
    Net Receivables—3,620,000USD3,626,000USD3,458,000USD3,327,000USD3,061,000USD3,134,000USD3,071,000USD
    Common Stock Shares Outstanding—8,973,154shares8,966,962shares8,964,893shares9,247,571shares9,295,376shares9,446,429shares9,446,429shares
    Non Current Assets Total—954,608,000USD917,192,000USD7,222,000USD865,544,000USD818,428,000USD816,451,000USD804,011,000USD
    Non Current Liabilities Total—152,347,000USD149,413,000USD169,851,000USD153,088,000USD137,230,000USD150,925,000USD148,543,000USD
    Non Currrent Assets Other—28,205,000USD27,738,000USD-853,807,000USD27,447,000USD27,629,000USD26,872,000USD26,313,000USD
    Unclassified Non Current Assets—796,701,000USD-179,721,000USD-1,052,468,000USD727,169,000USD695,160,000USD694,814,000USD681,949,000USD
    Unclassified Non Current Liabilities—5,464,000USD5,817,000USD5,851,000USD6,088,000USD6,230,000USD5,407,000USD5,617,000USD
    Unclassified Equity—36,286,000USD36,233,000USD36,196,000USD36,132,000USD-82,140,000USD-81,835,000USD-81,462,000USD
    Other Assets——940,501,000USD938,147,000USD————
    Short Long Term Debt————0USD———
    Property Plant Equipment Gross————14,744,000USD———
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20262026-06-30 · USDFY 20252025-06-30 · USDFY 20242024-06-30 · USDFY 20232023-06-30 · USD
    Total Assets1,095,936,000USD949,378,000USD852,968,000USD750,634,000USD
    Cash And Equivalents60,047,000USD———
    Cash And Short Term Investments60,047,000USD80,507,000USD75,204,000USD79,147,000USD
    Short Term Investments0USD25,263,000USD31,090,000USD26,969,000USD
    Total Liabilities975,423,000USD———
    Total Stockholder Equity120,513,000USD115,352,000USD80,288,000USD77,046,000USD
    Total Equity Including Noncontrolling Interest120,513,000USD———
    Property Plant Equipment Net5,590,000USD6,418,000USD6,981,000USD6,100,000USD
    Common Stock93,000USD93,000USD——
    Retained Earnings85,141,000USD80,720,000USD82,094,000USD80,304,000USD
    Accumulated Other Comprehensive Income-1,156,000USD-1,686,000USD80,288,000USD-3,258,000USD
    Other Current Assets—-25,695,000USD——
    Total Liab—834,026,000USD772,680,000USD673,588,000USD
    Other Current Liab—680,938,000USD637,035,000USD577,918,000USD
    Capital Stock—93,000USD0USD—
    Other Assets—883,609,000USD——
    Cash—55,244,000USD44,114,000USD52,178,000USD
    Total Current Assets—58,139,000USD78,369,000USD81,405,000USD
    Total Current Liabilities—680,938,000USD637,035,000USD600,619,000USD
    Net Debt—91,756,000USD85,355,000USD39,523,000USD
    Short Long Term Debt—0USD0USD22,701,000USD
    Short Long Term Debt Total—147,000,000USD129,469,000USD91,701,000USD
    Long Term Debt—147,000,000USD129,469,000USD69,000,000USD
    Long Term Investments—104,510,000USD88,750,000USD73,388,000USD
    Net Receivables—3,327,000USD3,165,000USD2,258,000USD
    Property Plant Equipment Gross—14,744,000USD14,499,000USD13,963,000USD
    Common Stock Shares Outstanding—9,247,571shares9,446,429shares9,446,429shares
    Non Current Assets Total—7,630,000USD774,599,000USD669,229,000USD
    Non Current Liabilities Total—153,088,000USD135,645,000USD72,969,000USD
    Non Currrent Assets Other—-830,467,000USD25,589,000USD19,653,000USD
    Unclassified Current Assets—-25,695,000USD——
    Unclassified Non Current Assets—-986,907,000USD653,279,000USD570,088,000USD
    Unclassified Non Current Liabilities—6,088,000USD6,176,000USD3,969,000USD
    Unclassified Equity—36,132,000USD-82,094,000USD—
    Short Term Debt———22,701,000USD
    Unclassified Current Liabilities———-22,701,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20262026-06-30 · USDFY 20252025-06-30 · USDFY 20242024-06-30 · USDFY 20232023-06-30 · USD
    Depreciation970,000USD360,000USD750,000USD640,000USD
    Deferred Income Tax-64,000USD———
    Change To Liabilities917,000USD———
    Change In Working Capital-960,000USD375,000USD-978,000USD-2,356,000USD
    Operating Cash Flow5,397,000USD———
    Net Investments-21,429,000USD———
    Unclassified Investing Cash Flow-120,430,000USD87,012,000USD90,479,000USD124,983,000USD
    Investing Cash Flow-141,859,000USD———
    Net Debt Issuance-7,000,000USD———
    Net Common Stock Issuance0USD———
    Unclassified Financing Cash Flow148,265,000USD37,805,000USD——
    Financing Cash Flow141,265,000USD———
    Change In Cash4,803,000USD11,130,000USD-8,064,000USD-11,001,000USD
    End Cash Flow60,047,000USD———
    Net Income—-874,000USD786,000USD4,160,000USD
    Other Non Cash Items—3,846,000USD-167,000USD-1,477,000USD
    Change To Account Receivables—-162,000USD-907,000USD-607,000USD
    Total Cash From Operating Activities—2,465,000USD231,000USD437,000USD
    Capital Expenditures—-284,000USD-1,317,000USD4,299,000USD
    Free Cash Flow—2,181,000USD-1,086,000USD4,736,000USD
    Investments—-86,728,000USD-105,180,000USD-121,752,000USD
    Total Cashflows From Investing Activities—-86,728,000USD-105,180,000USD-121,752,000USD
    Net Borrowings—17,531,000USD37,768,000USD83,701,000USD
    Total Cash From Financing Activities—95,393,000USD96,885,000USD110,314,000USD
    Sale Purchase Of Stock—-3,346,000USD0USD—
    Issuance Of Capital Stock—37,805,000USD0USD—
    Begin Period Cash Flow—44,114,000USD52,178,000USD63,179,000USD
    End Period Cash Flow—55,244,000USD44,114,000USD52,178,000USD
    Other Cashflows From Investing Activities—-86,728,000USD-89,162,000USD-129,282,000USD
    Other Cashflows From Financing Activities—43,403,000USD59,117,000USD26,613,000USD
    Unclassified Operating Cash Flow—-1,242,000USD——
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ3 20262026-03-31 · USDQ2 20262025-12-31 · USDQ1 20262025-09-30 · USDQ4 20252025-06-30 · USDQ3 20252025-03-31 · USDQ2 20252024-12-31 · USDQ1 20252024-09-30 · USDQ4 20242024-06-30 · USD
    Net Income1,145,000USD1,074,000USD962,000USD-920,000USD305,000USD373,000USD-632,000USD108,000USD
    Depreciation1,000USD3,000USD21,000USD220,000USD206,000USD212,000USD209,000USD210,000USD
    Other Non Cash Items483,000USD476,000USD84,000USD1,009,000USD15,000USD166,000USD927,000USD-392,000USD
    Change To Account Receivables6,000USD131,000USD-131,000USD-266,000USD73,000USD-63,000USD94,000USD-269,000USD
    Change In Working Capital-48,000USD-226,000USD226,000USD1,585,000USD322,000USD-694,000USD-838,000USD-142,000USD
    Total Cash From Operating Activities1,356,000USD1,551,000USD1,357,000USD1,894,000USD848,000USD57,000USD-334,000USD-216,000USD
    Capital Expenditures0USD0USD0USD-25,000USD-122,000USD-77,000USD-60,000USD-283,000USD
    Free Cash Flow1,356,000USD1,551,000USD1,357,000USD1,869,000USD726,000USD-20,000USD-394,000USD67,000USD
    Investments-1,581,000USD-7,352,000USD-53,312,000USD-39,217,000USD-3,371,000USD-17,075,000USD-27,065,000USD-30,063,000USD
    Total Cashflows From Investing Activities-42,780,000USD-14,022,000USD-53,312,000USD-39,217,000USD-3,371,000USD-17,075,000USD-27,065,000USD-30,063,000USD
    Net Borrowings3,287,000USD-20,404,000USD17,000,000USD16,001,000USD-14,519,000USD2,592,000USD13,457,000USD—
    Total Cash From Financing Activities40,591,000USD9,539,000USD54,428,000USD25,950,000USD27,592,000USD21,351,000USD20,500,000USD32,855,000USD
    Change In Cash-833,000USD-2,932,000USD2,473,000USD-11,373,000USD25,069,000USD4,333,000USD-6,899,000USD2,576,000USD
    Begin Period Cash Flow54,785,000USD57,717,000USD55,244,000USD66,617,000USD41,548,000USD37,215,000USD44,114,000USD41,538,000USD
    End Period Cash Flow53,952,000USD54,785,000USD57,717,000USD55,244,000USD66,617,000USD41,548,000USD37,215,000USD44,114,000USD
    Other Cashflows From Investing Activities-42,780,000USD-14,022,000USD-53,312,000USD-24,165,000USD-2,496,000USD-17,443,000USD-27,661,000USD-27,194,000USD
    Other Cashflows From Financing Activities37,304,000USD29,943,000USD37,428,000USD9,949,000USD42,111,000USD18,759,000USD7,043,000USD28,438,000USD
    Unclassified Investing Cash Flow1,581,000USD7,352,000USD53,312,000USD24,190,000USD2,618,000USD17,520,000USD27,721,000USD27,477,000USD
    Unclassified Financing Cash Flow———————4,417,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    No revenue breakdown is currently published for this company.

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.