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Winchester Bancorp (WSBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Winchester Bancorp (WSBK) Q3 2026 earnings results →
Q3 2026 Revenue up 33% year over year to $7.7M · 16¢ of every $1 of revenue kept as net profit · operating margin 21.5%
Winchester Bancorp made $7.7M in Q3 2026 (+33% Y/Y): Net interest income $7.2M, Noninterest income $498K. Operating margin 21.5%, net earnings $1.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $7.7M in Q3 2026, up 33% year over year and up 4% from the previous quarter. Net interest income was the largest line at 94% of revenue. Net interest income added $1.4M year over year (up 25%), 76% of the total change.
Operating profit was $1.7M, a 21.5% margin (down 1.2 points year over year). Of the extra revenue versus a year earlier, 18% reached operating profit, below the 23% margin then. Total costs grew 35% against revenue growth of 33%. Net earnings were $1.3M, up 32% year over year. The effective tax rate was 23.4%.
Operating cash flow was $2.2M (up 60% year over year), 171% of net earnings. Non-cash charges added back $219K of depreciation and amortization. Working capital and other items added $686K.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $7.7M | +33% | 21.5% | $1.3M | $2.2M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Winchester Bancorp
Winchester Bancorp, Inc. is the mid-tier holding company of Winchester Savings Bank and is the majority owned subsidiary of Winchester Bancorp, MHC. Winchester Savings Bank's mission is to operate and grow a profitable community-oriented financial institution that is dedicated to meeting the banking needs of individuals and small businesses in the communities in which it operates.
In its own words, from its 8-K, filed Jul 30, 2026.
Winchester Bancorp against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +33% against the peers' median +8%. Operating margin: 21.5% against the peers' median 31.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| WSBK Winchester Bancorp | Q3 2026 | $7.7M | +33% | 21.5% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
Source: Winchester Bancorp 10-Q on SEC EDGAR · CIK 2047235 · Savings Institutions, Not Federally Chartered
Guidance and outlook
13F: who owns WSBK and who is buying
More on WSBK
History
Every quarter: Q3 2026 results