Winchester Bancorp, Inc. Common Stock
$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.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
Medium confidenceValuation multiple is compressed (P/E -141.0).
Valuation inputs: P/E -141.0, earnings yield N/A, momentum +0.3%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE -0.8%, ROIC +0.1%).
Profitability stack: net margin -2.0%, ROE -0.8%, ROIC +0.1%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +87.8%, momentum +0.3%, net margin -2.0%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Winchester Bancorp, Inc. Common Stock Market vs Earnings Trajectory
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Winchester Bancorp, Inc. Common Stock Fair Value Envelope
Winchester Bancorp, Inc. Common Stock Profit Bridge
Profitability Analysis
Gross Margin
Strong gross margins indicate healthy pricing and efficient production or service delivery.
Operating Margin
Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.
Net Profit Margin
Net losses indicate the company is burning cash. Sustainability depends on path to profitability.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Winchester Bancorp, Inc. Common Stock Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Winchester Bancorp, Inc. Common Stock Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Winchester Bancorp, Inc. Common Stock Street Expectations Map
No Target Data
No analyst price targets available for wsbk.
Winchester Bancorp, Inc. Common Stock Insider Positioning
During the last 12 months, insiders have purchased $135K worth of WSBK shares, with no selling activity reported.
3 Months
9.8K
125.83K
0
0.00
+126K
+$126K
3-6 Months
0
0.00
0
0.00
+0
+$0
6-9 Months
0
0.00
0
0.00
+0
+$0
9-12 Months
1.1K
9.67K
0
0.00
+10K
+$10K
Top Buyers
Snow John Ingalls Iii
Director
$81K
Boodakian Stephen Harry
Director
$32K
Merritt Edward J
Director
$12K
Hood William Preston
Director
$10K
Carroll John A
Director, Officer: President & Ceo
$637
Top Sellers
No selling activity
Insider Activity Analysis
Net Insider Sentiment
Strong bullish signal with $135K net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.
Buy/Sell Ratio
Perfect buy/sell ratio. Only buying activity with zero selling—the most bullish possible insider signal.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider buyers vs. 0 sellers. Broad-based buying across management team suggests widespread confidence.
Insider Activity Insight
Strong confluence of bullish signals: High buy/sell ratio, multiple insiders participating, and recent buying momentum all point to significant insider confidence. This level of coordinated buying often precedes positive developments.
No Dividend Yield Data
WSBK has not reported any dividend yield values in the available annual periods.
wsbk Dividend History
Learning Layer
Related Guides
Build conviction on WSBK by pairing this stock hub with focused valuation guides.
Research Paths
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.