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Data-driven stock valuation

Winchester Bancorp, Inc. (WSBK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Winchester Bancorp, Inc. stock $9.01, price $13.61, that is 33.8% below the price, quality 50 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

WB Winchester Bancorp, Inc. logo Some data Nov 7, 2026

Winchester Bancorp, Inc.

WSBK · US
Solid, but expensive

Our calculation puts a fair price 34% below what the stock costs today.

Healthy Growth (revenue 3y +26.1 %/yr in USD)
Solidly profitable · 17.4% net margin (TTM)
Revenue last quarter +32% vs. a year ago.
Quality 50/100
Insiders bought $12,313 (6M)
Some data
Fair value $9.01 · Overvalued
Trails peers (2/13)
Narrow moat 41/100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$13.65 $8.76 Fair Value $9.01 May 2025 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

18‑month range $8.76 – $13.65 · fair‑value band $8.27 – $13.45 · the $13.61 price screens above the $9.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Winchester Bancorp, Inc. operates as a bank holding company for Winchester Savings Bank that provides banking products and services in the United States.

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The company offers deposit accounts, including non-interest-bearing checking, interest-bearing checking, money market, and savings accounts, as well as certificates of deposit; and one- to four-family residential real estate loans, multifamily residential real estate loans, construction loans, commercial real estate loans, home equity loans and lines of credit, commercial business loans, and consumer loans including automobile loans, home mortgages, credit lines, and other personal loans, as well as invests in securities.

Winchester Bancorp, Inc. was incorporated in 1871 and is headquartered in Winchester, Massachusetts. Winchester Bancorp, Inc. is a subsidiary of Winchester Bancorp, MHC.

Stock analysis

Winchester Bancorp, Inc. (WSBK) currently trades at $13.61, while our model-based Fair Value estimate is $9.01, 34% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $12.62 per share, and 1 of the 4 models we run sit above the $13.61 price.

Bear case: the Economic Profit group reads lowest at $8.33, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $8.27 (bear) to $13.45 (bull), the price of $13.61 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Winchester Bancorp, Inc. Common Stock reported revenue of $51.6M in FY2026 versus $25.8M in FY2023, a compound +26.1%/yr. Reported net income was $4.4M in FY2026, compounding +2.0%/yr from FY2023.

Key figures

Market cap $122M Micro · P/E ratio 27.8 · P/S ratio 4.80 · EPS (TTM) $0.4900 · Net margin 17.4% · Return on equity 3.8% · Return on assets (EBIT) 0.3% (4-year average) · Operating margin 25.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (medium confidence).

What moves the price

The share trades at its 52-week high and 42% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −34%, WSBK screens richer than that median.

Fair Value models

Bear $8.27 Fair Value $9.01 Bull $13.45
Price $13.61 · Downside -33.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($0.1772 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $8.27 $8.33 $8.85 68
P/E Multiple $4.81 $6.41 $8.02 63
P/B Multiple $14.12 $18.83 $23.54 55
All 4 models by family
Multiples
P/E Multiple $4.81 $6.41 $8.02 63
P/B Multiple $14.12 $18.83 $23.54 55
Asset-Based
NCAV (Graham) $6.72 $9.01 $13.45 54
Economic Profit
Residual Income $8.27 $8.33 $8.85 68

Open the full fair value analysis →

Quality Score breakdown

Overall quality 50/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 19
How much profit the company makes from its sales and capital
Quality Growth 75
Are margins and returns getting better?
Cashflow 61
Do the profits arrive as real cash?
Financial strength 0
Debt, balance sheet and risk of trouble
Investment 51
Does it invest with discipline instead of growing at any price?
Low Volatility 98
How calm the share price moves, does not count
Price momentum 58
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 89
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $12,313, most recently on May 26, 2026. Buying cluster

  • BuyEdward J MerrittDirector915 shares at $12.76$11,675May 26, 2026
  • BuyJohn A CarrollPresident & CEO, Director50 shares at $12.75$638May 21, 2026
  • BuyJohn Ingalls Snow IIIDirector2× since May 5, 2026: 7,835 shares, avg. $12.85$100,694May 7, 2026
  • BuyStephen Harry BoodakianDirector2,500 shares at $12.93$32,325May 1, 2026

Plus 12 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+16.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.1%
What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+3.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.8%
Dividend (yield on the price)0.0%
Profit margin 2023 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.22% → 11%
2026 sits 88% above its own trend. The rate follows the median trend of the last 3 years, not that single year.

WSBK screens overvalued: fair value 34% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 2/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside −33.8% · Below median
Profitability
Return on equity (12 months) 3.8% · Bottom 25%
Return on assets 0.4% · Bottom 25%
Net margin (12 months) 17.4% · Bottom 25%
Operating margin (12 months) 25.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 32.2% · Top 25%
Balance sheet
Debt / equity 1.31× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 27.8× · Priciest 25%
P/B 1.01× · Cheaper than median
P/S (12 months) 4.80× · Priciest 25%
Price / free cash flow (fiscal year) 23.3× · Priciest 25%
EV/EBITDA 48.8× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)15 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 52

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.62 ¥7.59 +35% vs WSBK
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs WSBK
BNP Paribas SA BNP €93.98 €106.01 +13% vs WSBK
State Bank of India SBIN ₹1,042 ₹736.65 −29% vs WSBK
Intesa Sanpaolo S.p.A ISP €6.35 €4.49 −29% vs WSBK
Mizuho Financial Group MFG $9.40 $5.89 −37% vs WSBK
UniCredit S.p.A UCG €81.62 €50.44 −38% vs WSBK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs WSBK
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs WSBK
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs WSBK

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Winchester Bancorp, Inc. Common Stock: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Winchester Bancorp, Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/WSBK

Frequently asked questions

Is Winchester Bancorp, Inc. (WSBK) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $9.01 versus a price of $13.61, about 34% lower (overvalued).
What is the fair value of WSBK?
Our model-based fair value for Winchester Bancorp, Inc. is $9.01 (as of Nov 7, 2026), built from audited fundamentals. The current price: $13.61.
What is the quality score of WSBK?
Winchester Bancorp, Inc. has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Winchester Bancorp, Inc. (WSBK)?
Our model-based price target is the fair value of $9.01 (as of Nov 7, 2026) from 4 valuation models. Cautious scenario $8.27, optimistic scenario $13.45. It is a calculation from audited fundamentals, not an analyst target.
What is the Winchester Bancorp, Inc. Common Stock stock forecast for 2026?
Our models put fair value at $9.01, about 34% lower versus a price of $13.61 (overvalued). Cautious scenario $8.27, optimistic scenario $13.45. The calculation is refreshed regularly with new filings.
What is the revenue of Winchester Bancorp, Inc. (WSBK)?
Winchester Bancorp, Inc. reported trailing-twelve-month revenue of about $25.5M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Winchester Bancorp, Inc. (WSBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Winchester Bancorp, Inc. it is $9.01 per share (as of Nov 7, 2026), against a price of $13.61. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Winchester Bancorp, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Nov 7, 2026, WSBK trades above its calculated fair value: price $13.61, fair value $9.01, a gap of about −34% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WSBK?
No. The price is what the market pays today ($13.61); the fair value is what the company's own numbers justify ($9.01). For Winchester Bancorp, Inc. the two are $4.60 per share apart. That gap is exactly why we show both numbers side by side.
How much is Winchester Bancorp, Inc. Common Stock worth?
The market values Winchester Bancorp, Inc. at about $122M (market capitalisation, as of Nov 7, 2026). Per share that is $13.61; our models calculate a fair value of $9.01 per share.
What do the bullish and bearish scenarios say about WSBK?
Our models span a range for Winchester Bancorp, Inc.: cautious scenario $8.27, base $9.01, optimistic $13.45 per share (as of Nov 7, 2026, price $13.61). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WSBK?
Winchester Bancorp, Inc. trades at a price-to-earnings ratio of 27.8 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $9.01 is built from several models across several years. Other multiples: P/B 1.0, P/S 4.8, EV/EBITDA 48.8.
How solid is the balance sheet of Winchester Bancorp, Inc. (WSBK)?
Balance-sheet figures for Winchester Bancorp, Inc. (as of Nov 7, 2026): return on equity 3.8%, debt of 1.31 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is WSBK from its 52-week high?
Winchester Bancorp, Inc. trades at $13.61, at its 52-week high of $13.65 and 42% above the low of $9.56 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $9.01 is for.
Which stocks are comparable to Winchester Bancorp, Inc. Common Stock?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Winchester Bancorp, Inc. Common Stock stock attractive at the current price?
The data as of Nov 7, 2026: price $13.61, calculated fair value $9.01 (−34%), Quality Score 50/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WSBK calculated?
We run Winchester Bancorp, Inc. through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $9.01 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Winchester Bancorp, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Winchester Bancorp, Inc. (WSBK)?
The closing price on Nov 6, 2026 was $13.61. Our model-based fair value is $9.01, about 34% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Winchester Bancorp, Inc. Common Stock right now?
Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Winchester Bancorp, Inc.

How large is the market capitalisation of Winchester Bancorp, Inc. (WSBK)?
The market capitalisation of Winchester Bancorp, Inc. is $122M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Winchester Bancorp, Inc. (WSBK)?
The price-to-sales ratio of Winchester Bancorp, Inc. is 4.80 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Winchester Bancorp, Inc. (WSBK)?
Earnings per share at Winchester Bancorp, Inc. are $0.4900 (price ÷ EPS = P/E 27.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Winchester Bancorp, Inc. (WSBK)?
The net margin of Winchester Bancorp, Inc. is 17.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Winchester Bancorp, Inc. (WSBK)?
The return on equity (ROE) of Winchester Bancorp, Inc. is 3.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Winchester Bancorp, Inc. (WSBK)?
On an EBIT basis the return on assets of Winchester Bancorp, Inc. is 0.3% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Winchester Bancorp, Inc. (WSBK)?
The operating margin of Winchester Bancorp, Inc. is 25.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Winchester Bancorp, Inc. (WSBK)?
Revenue at Winchester Bancorp, Inc. is growing +32.2% versus a year earlier (3y avg +26.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Winchester Bancorp, Inc. (WSBK)?
Earnings per share at Winchester Bancorp, Inc. are growing +289% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Winchester Bancorp, Inc. (WSBK) generate?
The free cash flow of Winchester Bancorp, Inc. is $5.3M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Winchester Bancorp, Inc. (WSBK) carry?
The net debt of Winchester Bancorp, Inc. is $157M (fiscal year 2026, ≈ 29.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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