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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -1.8% |
| Our one-year growth estimate | diamond | Not available |
Growth built into the price is above our model estimate.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A comparable growth gap is not available.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
WSBK — officer change
Dated 2026-11-05
The filing discloses the approval of a new equity incentive plan, which is a compensatory arrangement rather than a change in management personnel.
Why it matters: September costs rose 17.1% year over year. Faster cost growth could weaken gains in profit and margin.
Worry ifQuarterly non-interest expense rises more than 17.1% year over year. Net interest income grows less than 25.2%.
Less concerning ifNon-interest expense growth is below 17.1% year over year. Net interest income growth is at least 25.2%.
Why it matters: Management named a Wakefield branch as a step in its growth plan. Later results can show whether the new site adds business.
Supportive ifA company filing or release confirms the Wakefield branch is open. Later results show growth in deposits or loans tied to the branch.
Worry ifThe company reports the Wakefield opening is delayed or canceled. Or, later results show no added deposits or loans.
Why it matters: Deposits funded loan growth in September. If loan growth runs ahead, the bank may need more wholesale funding.
Watch forDeposits rise at least as fast as net loans in the next reported quarter, and FHLB borrowings do not rise above $149.9 million.
Also watch forNet loans rise faster than deposits, and FHLB borrowings rise above $149.9 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$23 on $10,000 · ±0.2% | How much price usually moves either way. |
| Bad day | $89 loss on $10,000 · 0.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $780 loss on $10,000 · 7.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.