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Winchester Bancorp, Inc (WSBK) Fair Value & Analysis

Financial Services · US · Market cap $116M

Price$12.87
Fair Value$8.62
Upside-33.0%
Quality87/100
Evidence: Low Range $6.44 – $12.87

Fair value as of: Jun 26, 2026

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Analysis

Winchester Bancorp, Inc (WSBK) currently trades at $12.87, while our model-based Fair Value estimate is $8.62 — implying the stock looks roughly 33.0% overvalued today. We read business quality at 87/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

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

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Frequently asked questions

Is Winchester Bancorp, Inc (WSBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $8.62 versus a price of $12.87 — about −33% (overvalued). Model-based estimate, not financial advice.
What is the fair value of WSBK?
Our 21-model fair value for Winchester Bancorp, Inc is $8.62 (as of Jun 26, 2026), built from audited fundamentals. The current price is $12.87.
What is the quality score of WSBK?
Winchester Bancorp, Inc has a Quality Score of 87/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.