profit from every $100 of sales.
$0$100
Winchester Bancorp
$13.89+0.50% today
+44.1% in 1 year
1-year low $9.561-year high $13.89
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Winchester Bancorp sold, what it kept, and what it did with the cash.
Sales went from $18.7 million in 2023 to $19.3 million in 2025, with -$874,000 of profit last year.
SalesProfit
Winchester Bancorp handed back more cash to shareholders than it generated last year.
Buybacks $3M
Free cash flow 2025$2M
Bought back its own shares$3M
Paid as dividends–
Cash vs. debt$55M vs. $147M
Winchester Bancorp vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Winchester Bancorp | No profit yet | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Winchester Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| 19 | 16 | 19 | |
| – | – | – | |
| – | – | – | |
| – | – | – | |
| 4 | 1 | -1 | |
| 0.44 | 0.08 | -0.10 | |
| – | – | – | |
| – | – | – | |
| 22.3% | 5.0% | -4.5% |
Balance sheet
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total assets | 751 | 853 | 949 |
| Cash | 52 | 44 | 55 |
| Total debt | 92 | 129 | 147 |
| Total liabilities | 674 | 773 | 834 |
| 77 | 80 | 115 | |
| 9 | 9 | 9 | |
| – | – | – | |
| 5.4% | 1.0% | -0.8% |
Cash flow
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| 0 | 0 | 2 | |
| – | 1 | 0 | |
| 0 | -1 | 2 | |
| Dividends paid | – | – | – |
| – | 0 | 3 | |
| – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- –
- –
- –
- 1.0×
- 6.4×
- -0.7%
- 0.0%
Profitability
- -4.5%
- 0.2%
- 0.8%
- 1.9%
- 0.2%
Growth
- +1.7%
- –
- –
- −1.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 16%of 847
Bottom 19%of 728
Bottom 26%of 878
Bottom 30%of 932
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.13 | – | – |
| Jan 28, 2026 | 0.12 | – | – |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
12No pass
Benjamin Graham
39No pass
Philip Fisher
27No pass
Peter Lynch
20No pass
Joel Greenblatt
0No pass
Charlie Munger
18No pass
Terry Smith
13No pass
Questions about Winchester Bancorp
Is Winchester Bancorp a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Winchester Bancorp AI analysis
What does Winchester Bancorp do?
Winchester Bancorp, Inc. operates as the bank holding company for Winchester Savings Bank, offering a range of banking products and services in Massachusetts. The company provides various deposit accounts, including checking, savings, money market, and certificates of deposit. It is in Banks - Regional.
Does Winchester Bancorp pay a dividend?
No. Winchester Bancorp does not pay a dividend at the moment; in 2025 it returned $3.35 million to shareholders by buying back its own shares.
Is Winchester Bancorp stock halal?
No. Winchester Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Winchester Bancorp stock done over the past year?
Up 44.1% over the past twelve months, to $13.89. It traded between $9.56 and $13.89, close to its high.
Who are Winchester Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Winchester Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.