WSBK
Winchester Bancorp, Inc.9.96
+0.01+0.05%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
89.25MP/E (TTM)
110.67Basic EPS (TTM)
0.09Dividend Yield
0%Recent Filings
10-Q
8-K
Q1 profit amid asset surge
Winchester Bancorp swung to net income of $962 thousand, or $0.11 per share, for the quarter ended September 30, 2025, up from a $920 thousand loss the prior quarter driven by a $2.3 million charitable contribution. Total assets topped $1.05 billion, fueled by $42 million in loan growth—mainly construction and commercial real estate—and $37.2 million in deposits, boosted by a new municipal channel. Net interest margin edged up to 2.49%. Asset quality held firm at 0.55% allowance.
10-K
FY2025 results
Winchester Bancorp's FY2025, ended June 30, 2025, delivered total assets of $949.4 million, up 11.3% y/y, fueled by loan growth to $754.1 million (10.2% y/y increase) and a $39.97 million stock offering. Yet, net loss hit $874,000, down from $786,000 income in FY2024, driven by a $2.3 million charitable donation and $1.4 million charge-offs on a bankrupt commercial loan, pushing provision for credit losses to $2.1 million. Q4 momentum shone with multi-family loans surging 33.5% y/y to $166.7 million and commercial real estate up 19.8% to $102.3 million, boosting yields to 5.17% from 4.75%, while net interest margin expanded to 2.05%. Deposits climbed 6.9% to $679.2 million, supported by $147 million in FHLB advances; no buybacks or dividends occurred. No outlook disclosed. Local economic downturns could stall quarterly loan momentum.
8-K
IPO completion drives growth
Winchester Bancorp completed its reorganization and IPO on July 30, 2025, raising $37.8 million in net proceeds while donating $2.3 million to its new Charitable Foundation, flipping net income to a $874,000 loss from $786,000 profit the prior year. Assets swelled 11.3% to $949.4 million, fueled by 10.2% loan growth and 6.9% deposit gains, with net interest income jumping 21.9% to $17.5 million on a 2.05% margin. Yet asset quality held firm at 0.23% non-performers. This capital infusion bolsters community lending for years ahead.
IPO
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