Winchester Bancorp, Inc (WSBK) Fair Value & Analysis
Financial Services · US · Market cap $116M
Winchester Bancorp, Inc
WSBK · US
Fair value as of: Jul 27, 2026
From 1 valuation models · updated 14 days ago
Share price −0.7% over the past month.
A solid business, but screening 34% overvalued on our models.
What matters now
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range ($6.44 to $12.87) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (15 months)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
15‑month range $8.76 – $13.27 · fair‑value band $6.44 – $12.87 · the $13.00 price screens above the $8.62 fair value. Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Winchester Bancorp, Inc (WSBK) currently trades at $13.00, while our model-based Fair Value estimate is $8.62, implying the stock looks roughly 33.7% overvalued today. The Quality Score stands at 51/100 (solid 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).
Over the trailing twelve months, Winchester Bancorp, Inc generated revenue of $23.8M at a net margin of 9.5%. Revenue grew 35.1% year over year. It earns a return on equity of 2.3%. Net debt stands at $91.8M. Fundamentals as of Jul 27, 2026
Our scenario range runs from $6.44 (bear case) to $12.87 (bull case); at $13.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 3% below its 52-week high and 46% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -34%, WSBK screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 1 models by family
Notify me when WSBK reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 76
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2023 – FY2025 · reported fiscal years
Winchester Bancorp, Inc reported revenue of $44.5M in FY2025 versus $25.8M in FY2023, a compound +31.4%/yr. Reported net income was −$874K in FY2025.
WSBK screens 34% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
Compare Winchester Bancorp, Inc with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Winchester Bancorp, Inc (WSBK) overvalued or undervalued?
What is the fair value of WSBK?
What is the quality score of WSBK?
What is the revenue of Winchester Bancorp, Inc (WSBK)?
What is the net profit margin of WSBK?
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.
Track Winchester Bancorp, Inc and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.