What is Winchester Bancorp, Inc.'s (WSBK) StockRank?

MoatMap's StockRank for Winchester Bancorp, Inc. (WSBK) is 28/100, with a Sell signal. This is a composite score combining Quality (33), Value (34), and Momentum (50) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Winchester Bancorp, Inc. have an economic moat?

Winchester Bancorp, Inc. (WSBK) has a Quality factor score of 33/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Winchester Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Winchester Bancorp, Inc. (WSBK) is Sell, based on a StockRank of 28/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Winchester Bancorp, Inc. in?

Winchester Bancorp, Inc. (WSBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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WSBK

SellHot Air

Winchester Bancorp, Inc. · Financial Services · United States · $116M · Avg Vol: $132K/d

StockRank

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P/E (TTM)

26.5x

ROE

3.7%

D/E

1.3x

Dividend %

—

COMPANY DESCRIPTION

Winchester Bancorp, Inc. is the holding company for Winchester Savings Bank, providing retail and commercial banking services in Massachusetts. Its deep-rooted community presence and personalized customer service allow it to maintain strong local market share and customer relationships. WSBK operates as a small, community-focused regional bank primarily in its local geographic market.

FINANCIAL SUMMARY (USD)

Year	2023	2024	2025	CAGR	TTM
Revenue	18.7M	15.8M	19.3M	1.7%	25.5M
EPS	0.44	0.08	-0.10	-81.1%	0.49
Shares	9.4M	9.4M	9.0M	-5.1%	9.0M
Debt	91.7M	129.5M	147.0M	26.6%	158.2M
Equity	77.0M	80.3M	115.4M	22.4%	—
Op CF	0.4M	0.2M	2.5M	137.5%	6.2M
Inv CF	-121.8M	-105.2M	-86.7M	—	—
Fin CF	110.3M	96.9M	95.4M	—	—

Loading 1Y...

PRICE (1Y)-0.8%

SMA 50SMA 200

$12.97

RSI (14)

46.5

52W High

$13.39

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.4%*20.9

ROE

3.7%21.9

GP/Assets

2.7%N/A

Op. Margin

25.0%41.1

FCF/Assets

0.2%N/A

Piotroski

446.2

Int. Cover

—50.0

D/E Ratio

1.27xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

26.5x16.2

EV/EBITDA

bankN/A

P/FCF

53.3xN/A

P/B

1.0x59.9

P/S

4.6x37.6

Div Yield

—N/A

Momentum

52W High %

97%84.4

RS 6M

-13%25.1

SMA 50/200

1.06x60.2

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$116M

P/E (Forward)

—

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of WSBK are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
WSBK	Winchester Bancorp, Inc.(you)	$116M	28	Sell
RVSB	Riverview Bancorp, Inc.	$103M	28	Sell
SRBK	SR Bancorp, Inc.	$142M	31	Sell
FNWB	First Northwest Bancorp	$108M	23	Sell
BCBP	BCB Bancorp, Inc.	$156M	21	Sell
CLST	Catalyst Bancorp, Inc.	$71M	31	Sell
BAFN	BayFirst Financial Corp.	$178M	24	Sell
HYNE	Hoyne Bancorp, Inc.	$134M	17	Strong Sell
BSBK	Bogota Financial Corp.	$118M	43	Hold
FGBI	First Guaranty Bancshares, Inc.	$144M	16	Strong Sell

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Winchester Bancorp, Inc. (WSBK): Stock Score Summary

Winchester Bancorp, Inc. (WSBK) has a MoatMap StockRank of 28/100 based on Quality (33/100), Value (34/100), and Momentum (50/100) factor scores. The current signal is SELL.

Key Financial Metrics

Price	$12.97
Market Cap	$116M
P/E (TTM)	26.51
Price/Book	1.01
Return on Equity	3.7%
Debt/Equity	1.27x
Operating Margin	25.0%
Revenue Growth	32.2%
Free Cash Flow	$2M

Winchester Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Winchester Bancorp, Inc.’s (WSBK) StockRank?: MoatMap’s StockRank for Winchester Bancorp, Inc. (WSBK) is 28/100, with a Sell signal. It is a composite of Quality (33), Value (34), and Momentum (50) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Winchester Bancorp, Inc. have an economic moat?: Winchester Bancorp, Inc. (WSBK) has a Quality factor score of 33/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Winchester Bancorp, Inc. a buy, hold, or sell?: MoatMap’s current signal for Winchester Bancorp, Inc. (WSBK) is Sell, based on a StockRank of 28/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Winchester Bancorp, Inc. in?: Winchester Bancorp, Inc. (WSBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).