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Winchester Bancorp, Inc. Common Stock (WSBK)
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Upturn Advisory Summary
08/14/2025: WSBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 0% | Avg. Invested days 0 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 8.76 - 10.10 | Updated Date 05/20/2025 |
52 Weeks Range 8.76 - 10.10 | Updated Date 05/20/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Winchester Bancorp, Inc. Common Stock
Company Overview
History and Background
Winchester Bancorp, Inc. is a community bank holding company providing financial services. While specific founding year and detailed milestones are difficult to obtain without more information from the prompt, community banks are often family owned and small and have been around for generations.
Core Business Areas
- Retail Banking: Provides a range of deposit accounts, loans, and other financial services to individuals and small businesses.
- Commercial Banking: Offers lending, deposit, and cash management services to larger businesses.
- Wealth Management: Provides investment advisory and trust services.
Leadership and Structure
The organizational structure typically includes a Board of Directors overseeing executive management. Specific names would need to be looked up in SEC filings. Senior management would include CEO, CFO, COO, and heads of key business lines.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Provides mortgage loans for residential properties. Market share data would be specific to its geographic region. Competitors include large national banks (e.g., JPM, WFC) and other regional banks. Revenue data hard to obtain without the financial statements
- Small Business Loans: Offers loans to small businesses for various purposes. Market share data would be specific to its geographic region. Competitors include other local and regional banks.
- Checking and Savings Accounts: Standard banking products for individuals and businesses. Competitors include other local and regional banks, and online banks.
Market Dynamics
Industry Overview
The banking industry is subject to interest rate fluctuations, regulatory changes, and economic conditions. Community banks face competition from larger institutions and fintech companies.
Positioning
Winchester Bancorp, Inc. typically positions itself as a relationship-focused bank serving its local community. Competitive advantages may include local expertise and personalized service.
Total Addressable Market (TAM)
TAM is the entire banking market in Winchester Bancorp, Inc.'s operating region, and surrounding areas. Winchester Bancorp, Inc. seeks to serve its customer base through personalized service and a relationship-based approach, but TAM is also dependent on national interest rates and the macro economic climate of the US.
Upturn SWOT Analysis
Strengths
- Strong local relationships
- Community focus
- Experienced management team
- High customer satisfaction
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger banks
- Dependence on local economy
- Limited investment in technology
Opportunities
- Expanding into new markets within its region
- Offering new products and services
- Leveraging technology to improve efficiency
- Acquiring smaller banks or credit unions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
Winchester Bancorp, Inc. faces intense competition from larger banks and fintech companies. Its advantages include local expertise and personalized service, while its disadvantages include a smaller balance sheet and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Past growth trends would be based on historical financial performance, including revenue growth, asset growth, and profitability.
Future Projections: Future growth projections would depend on analyst estimates and company guidance. Factors influencing growth include economic conditions, competition, and strategic initiatives.
Recent Initiatives: Recent strategic initiatives might include branch expansions, new product launches, or technology investments.
Summary
Winchester Bancorp, Inc. is a community-focused bank facing competition from larger institutions. Its strength lies in local relationships and personalized service. It needs to address its limited geographic reach and invest in technology to remain competitive. Economic downturns and rising interest rates pose potential risks to the business.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Financial data and market share information are estimates and may not be precise. The AI-based rating is for informational purposes only and should not be considered investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Winchester Bancorp, Inc. Common Stock
Exchange NASDAQ | Headquaters Winchester, MA, United States | ||
IPO Launch date 2025-05-02 | President, CEO & Director Mr. John A. Carroll | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 71 | |
Full time employees 71 | |||
Winchester Bancorp, Inc. focuses on operating as the bank holding company for Winchester Savings Bank that provides banking products and services in Massachusetts. It offers non-interest-bearing checking, interest-bearing checking, money market, and savings accounts, as well as certificates of deposit; and one- to four-family residential real estate loans, multi-family residential real estate loans, construction loans, commercial real estate loans, home equity loans and lines of credit, commercial business loans, and consumer loans, as well as invests in securities. The company was founded in 1871 and is based in Winchester, Massachusetts. Winchester Bancorp, Inc. is a subsidiary of Winchester Bancorp, MHC.
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