The company continues to show steady balance sheet growth and margin expansion, but rising non-interest expense and unrealized securities losses bear watching. The fiscal year transition means the next comprehensive report will be a 10-KT covering the six months through December 31, 2026.
Price Chart
Executive Summary
Winchester Bancorp reported net income of $1.3 million ($0.14 per share) for the quarter ended September 30, 2026, up from $962,000 ($0.11) a year ago. Net interest income grew 25.2% to $7.2 million on loan and deposit growth, while non-interest expense rose 17.1% to $5.6 million. The company is in a fiscal year transition from June 30 to December 31.
Key Financial Metrics
Key Facts
- Net income of $1.3 million, or $0.14 per share, for Q1 of the six-month transition period ending December 31, 2026
- Net interest income rose 25.2% to $7.2 million from $5.7 million year-over-year
- Net interest margin expanded 18 bps to 2.67% from 2.49%
- Total assets grew 4.1% to $1.14 billion from June 30, 2026
- Deposits increased $53.4 million or 6.6% to $862.7 million
- Net loans grew $37.9 million or 4.4% to $908.7 million
- Non-interest expense increased 17.1% to $5.6 million
- Stockholders' equity decreased $886,000 to $119.6 million due to higher unrealized losses on AFS securities
- No charge-offs recorded during the quarter; non-performing assets stable at $1.9 million
- Company changed fiscal year end from June 30 to December 31; transition period July 1 to December 31, 2026
Financial Impact
Net income of $1.3M, up 31.8% YoY from $962K; net interest income $7.2M, up 25.2% YoY
Risk Factors
- Non-interest expense grew 17.1% YoY, outpacing net income growth
- Stockholders' equity declined 0.7% due to $2.2M increase in comprehensive loss from higher unrealized losses on AFS securities
- Fiscal year transition creates a non-standard reporting period
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-436113 |
| Document: wsbk-20261028.htm | 0001193125-26-436113 |
| Document: 0001193125-26-436113-index-headers.html | 0001193125-26-436113 |
| Document: 0001193125-26-436113-index.html | 0001193125-26-436113 |
| Document: 0001193125-26-436113.txt | 0001193125-26-436113 |
| 8-K Data (Synthetic) | 0001193125-26-436113 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 28, 2026 1d ago | 8-K | $13.25 | awaiting T+20 | awaiting T+20 | $13.27 (+0.19%) |
Sep 30, 2026 29d ago | 8-K | $12.91 $13.33 | ▲ +3.21% | ▲ +1.95% | $13.27 (+2.83%) |
Sep 28, 2026 4w ago | DEF 14A | $12.71 $13.40 | ▲ +5.43% | ▲ +5.46% | $13.27 (+4.45%) |
May 27, 2026 22w ago | Insider Cluster | $12.68 $13.14 | ▲ +3.63% | ▲ +6.77% | $13.27 (+4.69%) |
May 1, 2026 26w ago | Insider Cluster | $12.79 $12.74 | ▼ −0.39% | ▼ −5.68% | $13.27 (+3.79%) |
May 1, 2026 26w ago | Insider Cluster | $12.79 $12.74 | ▼ −0.39% | ▼ −5.68% | $13.27 (+3.79%) |
US Market Status
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