Winchester Bancorp, Inc./MD/ — Form 8-K
Filed July 30, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 58/100
What the filing says
Winchester Bancorp (NASDAQ: WSBK, market cap ~$33.6M) reported fiscal year 2026 (ended June 30, 2026) net income of $4.4M ($0.49 per share) versus a net loss of $874K in FY2025—a $5.3M swing. Total assets grew $146.6M (15.4%) to $1.10B; loans increased $119.6M (15.9%) to $870.8M; deposits rose $130.1M (19.1%) to $809.2M, driven by $135.6M in new municipal customer deposits. Net interest margin expanded 50 basis points to 2.55% from 2.05%. The company also amended its bylaws on July 29, 2026 to set fiscal year as January–December.
Why this rating
Strong profitability turnaround and 15% asset/deposit growth material to ~$33M market-cap bank; margin expansion and municipal diversification are real strategic progress. However, returns remain modest (0.43% ROA, 3.74% ROE); profitability level ~13% of market cap annually—meaningful but not transformational.
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