Winchester Bancorp Inc (WSBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$12.99-0.23%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · WSBK
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 8.3% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue strategic growth of loan portfolio and deposits, focusing on multifamily and residential loans and municipal deposits.
Stated as a priority in 2 of last 2 quarters. Loan portfolio grew from $751.2 million in 2025-Q4 to $840.5 million in 2026-Q1 and further to $870.8 million by 2026-Q2, while deposits increased by $130.1 million year-over-year to $809.2 million in 2026-Q2. Management has consistently emphasized strategic loan and deposit growth, and the financials show delivering progress on this priority.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 0 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Loan and deposit growth were both impressive year-over-year, up $119.6 million and $130.1 million, respectively.”
“Loan growth of $40.4 million outpaced deposit growth of $37.4 million as management strategically prioritized growing the loan portfolio.”
Focus on expanding net interest margin and improving profitability through loan growth and margin expansion.
Stated in 2 of last 2 quarters. Net interest margin expanded from 2.02% in 2025-Q1 to 2.54% in 2026-Q1 and to 2.55% for the year ended 2026-Q2. Net income improved from a loss of $874,000 in 2025 to $4.4 million in 2026. Management's focus on margin expansion and profitability is reflected in the improving financial results, indicating delivering progress.
“Margin expanded to 2.55% from 2.05% and profitability improved with net income of $4.4 million for the year.”
“Net interest margin expanded by 52 basis points, return on average assets improved to 0.44%.”
Open new branch locations to support business growth and community presence.
Newly stated in 2026-Q1. Management announced the opening of a new branch in Wakefield, MA to support growth. This is a recent initiative with no prior quarters stating it, and the financials show growth in loans and deposits consistent with branch expansion efforts.
“We are pleased to announce the expansion of our branch network with a new location in Wakefield, MA.”
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
2 material management or governance events in the past 24 months, led by M&A activity. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.