✓High-growth profile — revenue up +6.8% YoY with expanding US Equity exposure.
✓Healthy economics — 32% gross margin and 10% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks
Execution delays, intensifying competition, and valuation compression if growth decelerates.
WINCHESTER BANCORP INC
WSBK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$52M▲ +16.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
49.3%▲ +27.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$6M▼ −473.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$0▼ −100.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
9.0M▲ +0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$157M▼ −$68M YoY
StockOtter · stockotter.space
About WINCHESTER BANCORP INC
Winchester Bancorp, Inc. serves as the parent company overseeing Winchester Savings Bank, a financial institution that delivers a broad spectrum of banking solutions across Massachusetts. The firm provides diverse options for depositing funds, including standard checking and savings accounts, higher-yield money market accounts, and fixed-term certificates of deposit. Beyond these deposit services, the company offers an extensive range of lending products. This includes financing for both residential and commercial real estate ventures, construction projects, and home equity through various loan and credit line facilities. Additionally, it provides credit solutions for commercial businesses and individual consumers. A further aspect of its operations involves managing investments in marketable securities.
🦦
Otter Score Breakdown
How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
StockOtter · stockotter.space