Winchester Bancorp, Inc./MD/ (NASDAQ:WSBK)
Insiders here have filed 12 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Profitable, but on a thin margin.
- Revenue
- $54.3M
- Net income
- $4.7M
- Net margin
- 8.7%
Heavily indebted for what it earns.
- Total debt
- $149.9M
- Cash
- $1.4M
- Net debt / EBITDA
- 22.54x
Current assets or liabilities not reported.
- Current assets
- $71.3M
- Current liabilities
- $0
- Current ratio
- —
The business funds itself from operations.
- Operating cash flow
- $5.1M
- Free cash flow
- $5.0M
- FCF margin
- 9.3%
Not funding itself by issuing shares.
- Shares outstanding
- 9.0M
- Share growth (1y)
- 0.2%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
WSBK Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 14.68 M | 13.98 M | 12.88 M | 12.80 M | 11.99 M | 11.96 M |
| Revenue Growth (YoY) | 22.45 % | 16.85 % | 18.06 % | 17.45 % | 11.71 % | 20.38 % |
| Cost of Revenue | 7.41 M | 7.02 M | 6.54 M | 6.74 M | 5.88 M | 6.70 M |
| Gross Profit | 7.27 M | 6.96 M | 6.34 M | 6.06 M | 6.11 M | 5.27 M |
| SG&A Expense | 1.37 M | 3.52 M | 3.90 M | 1.03 M | 3.99 M | 6.01 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 5.62 M | 5.41 M | 4.84 M | 4.71 M | 4.79 M | 6.75 M |
| Operating Income | 1.66 M | 1.56 M | 1.49 M | 1.35 M | 1.32 M | -1.49 M |
| Pretax Income | 1.66 M | 1.56 M | 1.49 M | 1.35 M | 1.32 M | -1.49 M |
| Tax Provision | 387.00 K | 318.00 K | 349.00 K | 276.00 K | 356.00 K | -566.00 K |
| Net Income | 1.27 M | 1.24 M | 1.15 M | 1.07 M | 962.00 K | -920.00 K |
| EPS (Basic) | 0.14 | 0.14 | 0.13 | 0.12 | 0.11 | -0.09 |
| EPS (Diluted) | 0.14 | 0.14 | 0.13 | 0.12 | 0.11 | -0.09 |
| Shares Outstanding | 8.98 M | 8.98 M | 8.97 M | 8.97 M | 8.96 M | 9.25 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.