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

MoatMap's StockRank for Winchester Bancorp, Inc. (WSBK) is 45/100, with a Hold signal. This is a composite score combining Quality (30), Value (30), and Momentum (78) factor ranks across MoatMap's 20,000+ stock universe.

Does Winchester Bancorp, Inc. have an economic moat?

Winchester Bancorp, Inc. (WSBK) has a Quality factor score of 30/100. 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 Hold, based on a StockRank of 45/100. 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

HOLD

Winchester Bancorp, Inc. · Financial Services · United States · $116M · Avg Vol: $73K/d

StockRank

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P/E (TTM)

50.2x

ROE

2.3%

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%	23.8M
EPS	0.44	0.08	-0.10	-81.1%	0.26
Shares	9.4M	9.4M	9.0M	-5.1%	9.0M
Debt	91.7M	129.5M	147.0M	26.6%	146.9M
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)+1.3%

SMA 50SMA 200

$13.03

RSI (14)

47.6

52W High

$13.39

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.2%*16.0

ROE

2.3%15.9

GP/Assets

2.5%N/A

Op. Margin

26.2%44.9

FCF/Assets

0.2%N/A

Piotroski

444.0

Int. Cover

—50.0

D/E Ratio

1.27xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

50.2x6.7

EV/EBITDA

bankN/A

P/FCF

53.4xN/A

P/B

1.0x58.5

P/S

4.9x37.2

Div Yield

—N/A

Momentum

52W High %

97%74.2

RS 6M

10%76.6

SMA 50/200

1.10x76.0

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

275%91.8

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	45	HOLD
PROV	Provident Financial Holdings, Inc.	$108M	45	HOLD
SFBC	Sound Financial Bancorp, Inc.	$107M	46	HOLD
SRBK	SR Bancorp, Inc.	$142M	45	HOLD
AFBI	Affinity Bancshares, Inc.	$140M	43	HOLD
BSBK	Bogota Financial Corp.	$116M	39	HOLD
BYFC	Broadway Financial Corporation	$95M	48	HOLD
FNWB	First Northwest Bancorp	$114M	37	HOLD
FSEA	First Seacoast Bancorp, Inc.	$79M	47	HOLD
BCBP	BCB Bancorp, Inc.	$176M	47	HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

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

Winchester Bancorp, Inc. (WSBK) has a MoatMap StockRank of 45/100 based on Quality (30/100), Value (30/100), and Momentum (78/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$13.03
Market Cap	$116M
P/E (TTM)	50.19
Price/Book	1.02
Return on Equity	2.3%
Debt/Equity	1.27x
Operating Margin	26.2%
Revenue Growth	35.1%
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 45/100, with a Hold signal. It is a composite of Quality (30), Value (30), and Momentum (78) factor ranks across MoatMap’s 20,000+ stock universe.
Does Winchester Bancorp, Inc. have an economic moat?: Winchester Bancorp, Inc. (WSBK) has a Quality factor score of 30/100. 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 Hold, based on a StockRank of 45/100. 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).