Income statement, balance sheet and cash flow statement for the last 3 fiscal years, taken from the XBRL data Winchester Bancorp, Inc./MD/ files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2025
FY2025
FY2026
Selling and marketing
0.38
0.46
0.73
Pre-tax income
0.75
-1.53
5.72
Income tax
-0.03
-0.66
1.3
Net income
0.79
-0.87
4.42
EPS, basic
-0.10
0.49
EPS, diluted
-0.10
0.49
Shares, basic (weighted)
8.96
8.97
Shares, diluted (weighted)
8.96
8.97
Balance sheet
FY2025
FY2025
FY2026
Cash and equivalents
44.1
55.2
60
Short-term investments
0
0
Property, plant and equipment
6.98
6.42
5.59
Total assets
853
949
1,096
Total liabilities
773
834
975
Paid-in capital
39.6
39.6
Retained earnings
82.1
80.7
85.1
Other comprehensive income
-1.81
-1.69
-1.16
Shareholders' equity
80.3
115
121
Total equity
80.3
115
121
Total liabilities and equity
853
949
1,096
Shares outstanding
0
9.3
9.3
Cash flow statement
FY2025
FY2025
FY2026
Net income
0.79
-0.87
4.42
Depreciation and amortization
0.75
0.85
0.97
Deferred income tax
-0.16
-1.24
-0.06
Cash from operations
0.23
2.47
5.4
Purchases of investments
-9
-31
-46.1
Sales and maturities of investments
3.22
15.6
17.5
Cash from investing
-105
-86.7
-142
Stock issued
37.8
0
Share buybacks
-3.35
0
Cash from financing
96.9
95.4
141
Net change in cash
-8.06
11.1
4.8
Interest paid
15.8
19.1
19.8
Income taxes paid
-0.48
-0.44
1.37
Key metrics
Worked out from the statements above. Latest values use fiscal 2026. Valuation uses the share price of $12.74 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
22.7%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
3.7%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.4%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Operating cash flow growth, 1y
118.9%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
4.5%
Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y
15.4%
Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y
0.1%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
EPS, basic
$0.49
Net income per basic share, as reported (split-adjusted).
Operating cash flow per share
$0.60
Cash from operations / diluted weighted shares.
Book value per share
$12.96
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/E
26.8x
Market cap / net income. Only when net income is positive.
P/B
0.98x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.98x
Market cap / tangible book value, when positive.
P/OCF
21.9x
Market cap / cash from operations, when positive.
Earnings yield
3.7%
Net income / market cap (the inverse of P/E).
Shareholder yield
0.0%
(Dividends paid + share buybacks) / market cap.
Was Winchester Bancorp, Inc./MD/ profitable in fiscal 2026?
Yes. Net income was $4.4M, a net margin of -.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.