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
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 | -20.4% |
| 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 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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
Why it matters: A drop below 15% would signal a slowdown in the financial sector's growth phase. This could affect investor confidence.
Worry ifQ2 revenue growth reported below 15% year over year.
Less concerning ifQ2 revenue growth remains at or above 15% year over year.
Why it matters: Strong deposit growth indicates customer trust and supports funding for loans. It reflects the bank's competitive position.
Supportive ifDeposits grow more than $100 million in Q3 compared to the previous quarter.
Worry ifDeposits grow less than $100 million in Q3 compared to the previous quarter.
Why it matters: New branches can help grow deposits and loans. This supports the overall business growth.
Supportive ifAnnouncement of new branch openings in the next quarter.
Worry ifNo announcements of new branches in the next quarter.
Why it matters: More non-performing assets may mean weaker asset quality. This raises credit risk.
Worry ifNon-performing assets are less than 0.20% of total assets in the next earnings report.
Less concerning ifNon-performing assets are more than 0.20% of total assets in the next earnings report.
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.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$28 on $10,000 · ±0.3% | How much price usually moves either way. |
| Bad day | $109 loss on $10,000 · 1.1% | 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.
Why it matters: Strong loan growth helps make more money. It shows that demand is still strong.
Supportive ifNet loans reported above $900 million in the next quarterly earnings.
Worry ifNet loans reported below $870 million in the next quarterly earnings.
Why it matters: A fall in non-interest income might show problems with fee-based services. This could hurt overall profits.
Worry ifNon-interest income exceeds $367,000 in Q3.
Less concerning ifNon-interest income falls below $367,000 in Q3.
Why it matters: Higher net income shows good management and strong performance. This boosts investor confidence.
Supportive ifNet income is over $1.1 million in Q2 2026. This shows strong financial performance.
Worry ifNet income falls below $800,000 in Q2 2026. This suggests possible challenges in operations.
Why it matters: Revenue growth has been strong, but a drop below median signals a slowdown. This could impact Winchester Bancorp's performance.
Worry ifSector revenue growth falls below its median of around 15%.
Less concerning ifSector revenue growth remains above its median.
Why it matters: Strong loan growth supports management's goal to grow strategically. It shows demand for loans is healthy.
Supportive ifLoan portfolio growth exceeds 15% year over year, reaching over $870 million.
Worry ifLoan growth falls below 10% year over year, indicating weakening demand.
Why it matters: Stable or better margins show good management of interest income and costs. This helps profits.
Supportive ifNet interest margin stays above 2.5% for several quarters.
Worry ifNet interest margin falls below 2.4%. This shows possible problems in managing interest income.
Why it matters: Opening a new branch helps growth and gets more customers. It shows management wants to grow.
Supportive ifThe new branch opens and starts generating deposits and loans.
Worry ifThe branch opening is delayed or does not lead to significant new business.
Why it matters: Higher charge-offs may mean weaker asset quality. This can hurt profits and is a risk.
Worry ifNet charge-offs stay below $600,000, showing strong asset quality.
Less concerning ifNet charge-offs are more than $600,000. This raises concerns about credit quality.