WSBK · Winchester Bancorp, Inc./MD/
Market Cap
$120.98M
Shares
9.30M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$12.98
Open$13.06
Day$12.98–13.06
52W close$9.45–13.27
Avg vol 30d8K
Short int17K · 0.2% float · 1.3d
Short vol76%
DataMay 2025–Aug 2026
Filing10-Q · May 13
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 13, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Neutral
Sentiment
Bullish
Fundamentals
Limited
Quant / Vol
Very Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+7%
above
Price vs 50-day avg
−0%
below
RSI (14)
47
neutral
MACD trend
Negative
52-week position
93%
near high
Momentum
relative strength
1-month return
0%
trailing
6-month return
0%
trailing
YTD return
+24%
this year
Relative strength
−14%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $13 › 200d $12 — 50d above 200d
Institutional flow
Accumulating
+11% holders QoQ · +5 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.18% of float · ▼ -9.9% MoM · 1.3 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Steady
21 holders — mid 1-yr range
Squeeze score
29
low risk · 0–100
Fundamentals
Not enough data for a confident read.
Quant / Vol
risk profile
Volatility
16%
annualized · 1-yr
Max drawdown
−8%
past year
ATR
0.7%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+7%
Bullish
Price vs 50-day avg
−0%
Neutral
RSI (14)
47
Neutral
MACD trend
Negative
Bearish
52-week position
93%
Bullish
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $13 › 200d $12 — 50d above 200d
Institutional flow
Accumulating
+11% holders QoQ · +5 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.18% of float · ▼ -9.9% MoM · 1.3 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Steady
21 holders — mid 1-yr range
Price context
position in its 52-week range
Range low $9
Now $13 · 93%
Range high $13
vs 200-day avg +7%
vs 50-day avg 0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL/Total loans | 0.55% | Year ended June 30, 2026 | — |
| ACL/Total nonperforming loans (NPLs) | 286.92% | Year ended June 30, 2026 | — |
| Cost of deposits | 2.88% | Year ended June 30, 2026 | — |
| Diluted earnings per share excluding contribution to the Charitable Foundation non-GAAP | $0.49 | Year ended June 30, 2026 | — |
| Efficiency ratio non-GAAP | 75.2% | the year ended June 30, 2026 | — |
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| Net charge-offs/average total loans | -0.07% | Year ended June 30, 2026 | — |
| Net interest margin | 2.55% | the year ended June 30, 2026 | — |
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| Non-performing assets as a percentage of total assets | 0.15% | as of June 30, 2026 | — |
| Noninterest expense on an operating basis non-GAAP | $19.75M | Year ended June 30, 2026 | — |
| Operating net income non-GAAP | $4.42M | Year ended June 30, 2026 | — |
| Operating return on average assets annualized non-GAAP | 0.43% | Year ended June 30, 2026 | — |
| Operating return on average shareholders' equity non-GAAP | 3.74% | Year ended June 30, 2026 | — |
| Return on average assets | 0.43% | Year ended June 30, 2026 | — |
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| Return on average stockholders' equity | 3.74% | Year ended June 30, 2026 | — |
| Stockholders' equity/total assets | 11% | Year ended June 30, 2026 | — |
| Non-performing assets | 1.7M | Q3 FY2026 | — |
| Allowance for credit losses (ACL) | 4.4M | December 31, 2025 | — |
| Book value per share | $12.72 | December 31, 2025 | — |
| Net interest-earning assets | 156.67M | the quarter ended December 31, 2025 | — |
| Non-performing assets / total assets | 0.36% | December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
WSBK
this stock
Winchester Bancorp, Inc./MD/
|
$120.98M | +24.2% | — | — | 0.2% |
|
MFG
Mizuho Financial Group Inc
|
$129.26B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.56B | -36.8% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$107.22B | +0.3% | — | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$106.80B | +26.1% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| WSBK | -0.3% | -0.2% | -0.2% | -0.2% | +24.2% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -0.8% | -3.1% | -13.6% | -3.1% | +11.4% |