Winchester Bancorp Inc (WSBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$13.65+0.07%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
We remain focused on disciplined growth and on continuing to build value for our shareholders”, Carroll added.
Stated in 1 of 1 supplied quarters. Management reported: “Loan growth of $40.4 million outpaced deposit growth of $37.4 million as management strategically prioritized growing the loan portfolio in advance of significant payoffs anticipated in the fourth quarter.” ““Deposit growth continued to lead the way, increasing $53.4 million, or 6.6%, during the quarter, which allowed us to fund net loan growth of $37.9 million, or 4.4%.”
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 1 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 59% for the rest of the cohort, n=7714).
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 growth of $40.4 million outpaced deposit growth of $37.4 million as management strategically prioritized growing the loan portfolio in advance of significant payoffs anticipated in the fourth qu…”
Profitability also continued to improve, with net interest margin expanding to 2.67% from 2.49% and our efficiency ratio improving to 73.1% from 82.8%, both compared to the three months ended Septemb…
Stated in 1 of 1 supplied quarters. Management reported: “Year-over-year, net interest margin expanded by 52 basis points, while return on average assets improved to 0.44%, up from 0.14% in the third quarter of 2025.” “Profitability also continued to improve, with net interest margin expanding to 2.67% from 2.49% and our efficiency ratio improving to 73.1% from 82.8%, both compared to the three months ended September 30, 2025.”
“Year-over-year, net interest margin expanded by 52 basis points, while return on average assets improved to 0.44%, up from 0.14% in the third quarter of 2025.”
As we enter the final quarter of our fiscal year, we are pleased to announce the expansion of our branch network with a new location in Wakefield, MA.
Stated in 1 of 1 supplied quarters. Management reported: “As we enter the final quarter of our fiscal year, we are pleased to announce the expansion of our branch network with a new location in Wakefield, MA.”
“As we enter the final quarter of our fiscal year, we are pleased to announce the expansion of our branch network with a new location in Wakefield, MA.”
We remain focused on disciplined growth and on continuing to build value for our shareholders”, Carroll added.
Continue strategic growth of loan portfolio and deposits, focusing on multifamily and residential loans and municipal deposits.
Over the trailing year it converted 1.59x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Not enough signal yet.
Not enough signal to read sensitivity to long-term interest rates, the US dollar, real (inflation-adjusted) rates, the broad stock market, Fed net liquidity (low R² over the window).
3 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.