Filing Flows › Winchester Bancorp (WSBK) › Q3 2026
Winchester Bancorp (WSBK) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Winchester Bancorp (WSBK) reported revenue of $7.7M for the third quarter 2026 (Q3 2026), +33% from a year earlier and +4% from the quarter before. Operating margin was 21.5%, net earnings $1.3M (16.5% of revenue).
Winchester Bancorp, Q3 2026: revenue $7.7M (+33% year over year), operating margin 21.5%, net earnings $1.3M, operating cash flow $2.2M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $7.7M | +4% | +33% |
| Operating profit | $1.7M | +6% | +26% |
| Net earnings | $1.3M | +2% | +32% |
| Operating cash flow | $2.2M | +92% | +60% |
What changed
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.
Questions
What was Winchester Bancorp's revenue in the third quarter 2026?
Winchester Bancorp (WSBK) reported revenue of $7.7M for the third quarter 2026 (Q3 2026), +33% from a year earlier and +4% from the quarter before.
Was Winchester Bancorp profitable in the third quarter 2026?
Operating profit was $1.7M (21.5% of revenue) and net earnings $1.3M.
Source: Winchester Bancorp 10-Q on SEC EDGAR.