$12.69
+0.32%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 also offers loans such as residential and commercial real estate loans, construction loans, home equity loans and lines of credit, commercial business loans, and consumer loans. Additionally, the company invests in securities.
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
WSBK • NASDAQ
| Winchester Bancorp, Inc. Common Stock Cash Flow Statement | Jun 2025 | Jun 2024 | Jun 2023 |
|---|---|---|---|
OPERATING ACTIVITIES | |||
-874K | 786K | 4.2M | |
360K | 750K | 640K | |
-1.2M | -160K | -530K | |
3.8M | -167K | -1.5M | |
(0.0) | (0.0) | (2.5M) | |
375K | -978K | -2.4M | |
2.5M | 231K | 437K | |
INVESTING ACTIVITIES | |||
(0.0) | -1.3M | (4.3M) | |
(0.0) | -26.5M | -8.9M | |
0.0 | 11.8M | 12.1M | |
-86.7M | -89.2M | -129.3M | |
-86.7M | -105.2M | -121.8M | |
FINANCING ACTIVITIES | |||
34.5M | 0.0 | 0.0 | |
17.5M | 37.8M | 83.7M | |
-3.3M | (0.0) | (0.0) | |
43.4M | 59.1M | 26.6M | |
95.4M | 96.9M | 110.3M | |
CASH FLOW SUMMARY | |||
11.1M | -8.1M | -11M | |
44.1M | 52.2M | 63.2M | |
55.2M | 44.1M | 52.2M | |
2.2M | -1.1M | 4.7M |
WSBK - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 13, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 29, 2026 | 2026 | |
10-Q 10-Q 2025 Q4 Q4 | February 11, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 28, 2026 | January 28, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 13, 2025 | November 12, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 12, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 22, 2025 | October 22, 2025 | 2025 | |
DEF 14A DEF 14A 2025 N/A | October 10, 2025 | November 12, 2025 | 2025 | |
10-K 10-K 2025 FY FY | September 17, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | September 17, 2025 | September 17, 2025 | 2025 |
Continue your WSBK research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.