WINCHESTER BANCORP INC (WSBK) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:WSBK • US97269D1037

11.02 USD

-0.12 (-1.08%)

Last: Jan 30, 2026, 08:24 PM

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to WSBK. WSBK was compared to 383 industry peers in the Banks industry. WSBK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. WSBK is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year WSBK was profitable.
In the past year WSBK had a positive cash flow from operations.

1.2 Ratios

With a Return On Assets value of 0.07%, WSBK is not doing good in the industry: 88.77% of the companies in the same industry are doing better.
WSBK has a worse Return On Equity (0.62%) than 88.77% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.07%
ROE	0.62%
ROIC	N/A

ROA(3y)0.18%

ROA(5y)N/A

ROE(3y)1.87%

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 3.46%, WSBK is doing worse than 88.25% of the companies in the same industry.
The Operating Margin and Gross Margin are not available for WSBK so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	3.46%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

WSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WSBK has about the same amount of shares outstanding.
WSBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

WSBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC13.17%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

WSBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -211.70%.
The Revenue has grown by 19.57% in the past year. This is quite good.

EPS 1Y (TTM)-211.7%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%257.79%

Revenue 1Y (TTM)19.57%

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%35.7%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 137.75, the valuation of WSBK can be described as expensive.
89.30% of the companies in the same industry are cheaper than WSBK, based on the Price/Earnings ratio.
WSBK's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.32.

		Industry Rank	Sector Rank
PE	137.75
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WSBK is valued a bit more expensive than the industry average as 76.24% of the companies are valued more cheaply.