WINCHESTER BANCORP, INC.

WSBK

CIK 0002047235 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$12M
↑+18.1% +$2Mvs FY2024 (Q4)
Operating Income
$12M
↑+22.1% +$2Mvs FY2024 (Q4)
Net Income
$1M
↑+187.9% +$701Kvs FY2024 (Q4)
Gross Profit
$12M
↑+18.1% +$2Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
13/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    0Insufficient data
  • Efficiency
    0Asset Turnover 0.05x (1.0+ = capital-efficient)
  • Growth
    77Revenue YoY +18.1% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project WSBK's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

8%

Trailing CAGR unavailable; default 8%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$4.59
Total enterprise IV
$42M
Diluted shares
0.01B
Terminal PV
$31M (72% of total)
Year-5 FCF
$4M
YearProjected FCFDiscounted PV
+1$3M$2M
+2$3M$2M
+3$3M$2M
+4$3M$2M
+5$4M$2M
Terminal$49M$31M

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$1.02B
everything owned
Total liabilities
$898M
everything owed
Stockholders' equity
$118M
shareholder claim

Recent performance · 9 quarters

Revenue↑+18.1% +$2M
$12M
Net Income↑+187.9% +$701K
$1M
Free Cash Flow↑+2621.1% +$1M
$2M

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