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Winchester Bancorp, Inc. Common Stock (WSBK)
USD12.99
-0.05 (-0.38%)
US NASDAQ Financial Services Banks - Regional
Address
661 Main Street 1890
Winchester, MA, US
Winchester, MA, US
CEO
John A. Carroll
Website
winchestersavings.com
IPO
2025-05-02
CIK 2047235 ISIN US97269D1037
Description
Winchester Bancorp, Inc. serves as the parent company overseeing Winchester Savings Bank, a financial institution that delivers a broad spectrum of banking solutions across Massachusetts. The firm provides diverse options for depositing funds, including standard checking and savings accounts, higher-yield money market accounts, and fixed-term certificates of deposit. Beyond these deposit services, the company offers an extensive range of lending products. This includes financing for both residential and commercial real estate ventures, construction projects, and home equity through various loan and credit line facilities. Additionally, it provides credit solutions for commercial businesses and individual consumers. A further aspect of its operations involves managing investments in marketable securities.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD12.99
-0.05 (-0.38%)
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Volume Profile
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Liquidity & share structure
Average Volume
6.9K
Beta
-0.41
Float Shares
3.78M
Free Float %
42.2%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.16% | -0.70% | -0.70% | -3.05% | +32.15% | +21.53% | +35.83% | +36.56% | +36.56% | +36.56% | +36.56% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
12.99
Quality scores
Altman Z-Score
-0.54
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
3 / 5
Medium
Operational MOAT
-
Revenue growth+22.5% Q1'26: +18.1% (vs Q1'25)
-
EPS growth-220.2% Q1'26: +302.5% (vs Q1'25)
-
FCF margin— Q1'26: +10.5% (vs Q1'25)
-
EBIT margin— Q1'26: +11.6% (vs Q1'25)
-
ROIC— Q1'26: +2.7% (vs Q1'25)
-
Share dilution-2.1% Q1'26: -3.5% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 24.58× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-28 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-27 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-26 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-22 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-21 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-20 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-19 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-18 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-15 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-14 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-13 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-12 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-11 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-08 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-07 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-06 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-05 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-04 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-01 | C+ | 2/5 | 1/5 | 2/5 | 5/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 2/5 | 5/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-29 | C+ | 2/5 | 1/5 | 2/5 | 5/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-28 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-27 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-24 | C | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-23 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-22 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-21 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-20 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-17 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-16 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
7.44M
OE per share TTM
0.82
Owner's Yield
6.53%
Maintenance CapEx ratio
31.48%
Maint CapEx / Avg PPE
18.3%
Ownership Overview
Ownership breakdown
At a glance
Institutional holders
19
Total invested
9.48M
Insider transactions (90d)
5
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
From
To
13F snapshot — 2026 Q1
Investors holding
19
-3 vs prev Q
New positions
2
Closed positions
5
Increased
5
Reduced
3
Put/Call ratio
0.00
Calls held
—
Puts held
—
Top institutional holders
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | MANGROVE PARTNERS | 186.2K +— (+0.0%) | 2.36M +419.0K (+21.5%) | 2.08% +0.000 pp | 0.19% +0.033 pp | USD9.01 +41.0% | 4 qtrs — |
| 2 | NORTHSTAR FINANCIAL COMPANIES, INC. | 70.0K +— (+0.0%) | 889.0K +157.5K (+21.5%) | 0.78% +0.000 pp | 0.71% +0.124 pp | USD9.55 +33.0% | 3 qtrs — |
| 3 | INTEGRATED WEALTH CONCEPTS LLC | 57.0K +— (+0.0%) | 723.9K +128.3K (+21.5%) | 0.64% +0.000 pp | 0.01% -0.001 pp | USD9.00 +41.1% | 4 qtrs — |
| 4 | OPPENHEIMER & CLOSE, LLC | 50.0K +— (+0.0%) | 635.0K +112.5K (+21.5%) | 0.56% +0.000 pp | 0.40% +0.044 pp | USD8.95 +41.9% | 4 qtrs — |
| 5 | RENAISSANCE TECHNOLOGIES LLC | 31.0K +4.5K (+17.0%) | 393.7K +116.8K (+42.2%) | 0.35% +0.050 pp | 0.00% +0.000 pp | USD10.78 +17.8% | 2 qtrs — |
| 6 | M3F, INC. | 24.6K -119.4K (-82.9%) | 312.0K -1.2M (-79.3%) | 0.27% -1.332 pp | 0.08% -0.336 pp | USD9.69 +31.1% | 4 qtrs — |
| 7 | VANGUARD FIDUCIARY TRUST CO | 22.6K +22.6K (+100.0%) | 286.5K +286.5K (+100.0%) | 0.25% +0.252 pp | 0.00% +0.000 pp | USD12.70 +0.0% | 1 qtrs NEW |
| 8 | ALLIANCEBERNSTEIN L.P. | 24.7K +— (+0.0%) | 257.7K +— (+0.0%) | 0.28% +0.000 pp | 0.00% +0.000 pp | USD10.45 +21.5% | 2 qtrs — |
| 9 | RAYMOND JAMES FINANCIAL INC | 20.0K +— (+0.0%) | 254.0K +45.0K (+21.5%) | 0.22% +0.000 pp | 0.00% +0.000 pp | USD8.95 +41.9% | 4 qtrs — |
| 10 | STEWARD PARTNERS INVESTMENT ADVISORY, LLC | 19.1K +— (+0.0%) | 242.9K +43.0K (+21.5%) | 0.21% +0.000 pp | 0.00% +0.000 pp | USD9.87 +28.7% | 4 qtrs — |
| 11 | EAGLECLAW CAPITAL MANAGMENT, LLC | 16.0K +— (+0.0%) | 203.2K +36.0K (+21.5%) | 0.18% +0.000 pp | 0.03% +0.004 pp | USD8.95 +41.9% | 4 qtrs — |
| 12 | LPL FINANCIAL LLC | 15.5K +— (+0.0%) | 196.9K +34.9K (+21.5%) | 0.17% +0.000 pp | 0.00% +0.000 pp | USD8.95 +41.9% | 4 qtrs — |
| 13 | GEODE CAPITAL MANAGEMENT, LLC | 13.9K -12.6K (-47.5%) | 177.0K -99.9K (-36.1%) | 0.16% -0.140 pp | 0.00% +0.000 pp | USD9.16 +38.6% | 4 qtrs — |
| 14 | MILLENNIUM MANAGEMENT LLC | 11.5K -4.5K (-28.2%) | 146.6K -21.5K (-12.8%) | 0.13% -0.051 pp | 0.00% +0.000 pp | USD8.95 +41.9% | 4 qtrs — |
| 15 | MORGAN STANLEY | 4.0K +— (+0.0%) | 50.8K +9.0K (+21.5%) | 0.04% +0.000 pp | 0.00% +0.000 pp | USD9.55 +33.0% | 3 qtrs — |
| 16 | EASTERN BANK | 2.5K +— (+0.0%) | 31.8K +5.6K (+21.5%) | 0.03% +0.000 pp | 0.00% +0.000 pp | USD9.55 +33.0% | 3 qtrs — |
| 17 | TOWER RESEARCH CAPITAL LLC (TRC) | 294.00 +39.0 (+15.3%) | 3.7K +1.1K (+40.1%) | 0.00% +0.000 pp | 0.00% +0.000 pp | USD9.44 +34.5% | 4 qtrs — |
| 18 | UBS GROUP AG | 129.00 +126.0 (+4,200.0%) | 1.6K +1.6K (+5,183.9%) | 0.00% +0.001 pp | 0.00% +0.000 pp | USD12.60 +0.8% | 4 qtrs — |
| 19 | CITADEL ADVISORS LLC | — -21.0K (-100.0%) | — -219.4K (-100.0%) | 0.00% -0.234 pp | 0.00% +0.000 pp | USD— | 4 qtrs SOLD |
| 20 | CITIGROUP INC | — -1.0 (-100.0%) | — -10.0 (-100.0%) | 0.00% +0.000 pp | 0.00% +0.000 pp | USD— | 3 qtrs SOLD |
| 21 | BANK OF AMERICA CORP /DE/ | — -227.0 (-100.0%) | — -2.4K (-100.0%) | 0.00% -0.003 pp | 0.00% +0.000 pp | USD— | 4 qtrs SOLD |
| 22 | — | — -70.0K (-100.0%) | — -731.5K (-100.0%) | 0.00% -0.781 pp | 0.00% -0.336 pp | USD— | 2 qtrs SOLD |
Ownership breakdown by holder
ETF Ownership
Top ETFs holding this stock
Held by 12 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares Micro-Cap ETF IWC | 0.01% | 174.3K | 0.60% |
| 2 | Vanguard Extended Market ETF VXF | 0.00% | 552.7K | 0.05% |
| 3 | Vanguard U.S. Total Market Shares Index ETF VTS.AX | 0.00% | 3.6K | 0.03% |
| 4 | Vanguard U.S. Total Market Index ETF VUN.TO | 0.00% | 9.8K | 0.17% |
| 5 | Vanguard U.S. Total Market Index ETF (CAD-hedged) VUS.TO | 0.00% | 721.34 | 0.17% |
| 6 | Vanguard Total Stock Market ETF VTI | 0.00% | 1.67M | 0.03% |
| 7 | Vanguard All-Equity ETF Portfolio VEQT.TO | 0.00% | 3.7K | 0.22% |
| 8 | Vanguard Growth ETF Portfolio VGRO.TO | 0.00% | 2.0K | 0.22% |
| 9 | Vanguard Balanced ETF Portfolio VBAL.TO | 0.00% | 804.27 | 0.22% |
| 10 | Vanguard Conservative ETF Portfolio VCNS.TO | 0.00% | 88.63 | 0.22% |
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
7.00
Bullish
Ratio by volume
3.00
Bullish
Buys
7
Sells
1
Shares acquired
11.5K
Shares disposed
600.00
Cash buys
6.00
Cash sales
—
Net activity
+10,900
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026-05-26 | Merritt Edward J | Director | P-Purchase | A | Common Stock | 915 | 12.76 | 11.7K | 20,915 | I | ↗ |
| 2026-05-21 | Carroll John A | Director / Officer | P-Purchase | A | Common Stock | 50 | 12.75 | 637.50 | 50 | I | ↗ |
| 2026-05-07 | Snow John Ingalls III | Director | P-Purchase | A | Common Stock | 1,525 | 12.79 | 19.5K | 19,535 | D | ↗ |
| 2026-05-05 | Snow John Ingalls III | Director | G-Gift | A | Common Stock | 200 | 0.00 | — | 200 | I | ↗ |
| 2026-05-01 | Boodakian Stephen Harry | Director | P-Purchase | A | Common Stock | 2,500 | 12.93 | 32.3K | 2,500 | I | ↗ |
| 2025-06-10 | Hood William Preston | Director | P-Purchase | A | Common Stock | 1,050 | 9.21 | 9.7K | 51,050 | D | ↗ |
Executive team
Top executives
EBIT / Employee
-21.5K
Shares Outstanding
8.96M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2025 | John A. Carroll President and Chief Executive Officer | 423.8K | 59.6K | — | — | — | 216.2K | 699.6K | 0.00% | ↗ |
| 2 | 2025 | Elda Heller Executive Vice President, Chief Financial Officer and Treasurer | 266.1K | 33.6K | — | — | — | 86.3K | 386.0K | 0.00% | ↗ |
| 3 | 2025 | Paul V. Cheremka Senior Vice President, Senior Lender | 212.1K | 25.4K | — | — | — | 12.3K | 249.9K | 0.00% | ↗ |
| 4 | 2024 | John A. Carroll President and Chief Executive Officer | 404.0K | 60.7K | — | — | — | 218.1K | 682.7K | 0.00% | ↗ |
| 5 | 2024 | Elda Heller Executive Vice President, Chief Financial Officer and Treasurer | 253.8K | 33.8K | — | — | — | 80.8K | 368.4K | 0.00% | ↗ |
| 6 | 2024 | Paul V. Cheremka Senior Vice President, Senior Lender | 206.3K | 25.5K | — | — | — | 8.0K | 239.8K | 0.00% | ↗ |
CEO compensation breakdown
Proxy statements
Proxy statements (DEF 14A)
| Filing date | Form type | Filing |
|---|---|---|
| 2025-10-10 | DEF 14A | ↗ |
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| John A. Carroll | President, Chief Executive Officer & Director | 699.6K | male |
| Elda Heller | Executive Vice President, Chief Financial Officer & Treasurer | 386.0K | female |
| Paul V. Cheremka | Senior Vice President & Senior Lender | 249.9K | male |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for WSBK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
