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Winchester Bancorp vs PFS Bancorp: WSBK and PFSB compared
Winchester Bancorp is the larger company: $7.7M of revenue in its latest quarter (Q3 2026) against $1.8M for PFS Bancorp (Q3 2026). Winchester Bancorp is growing faster (+33% against +7% a year earlier). PFS Bancorp is more profitable, with an operating margin of 31.7% against 21.5%.
Where the money goes: WSBK and PFSB
Winchester Bancorp (WSBK) · Q3 2026
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.
PFS Bancorp (PFSB) · Q3 2026
PFS Bancorp, Q3 2026: revenue $1.8M (+7% year over year), operating margin 31.7%, net earnings $402K, operating cash flow $756K. The chart follows the revenue to costs, profit and cash.
| Winchester Bancorp (WSBK) | PFS Bancorp (PFSB) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $7.7M | $1.8M |
| Revenue growth, Y/Y | +33% | +7% |
| Operating margin | 21.5% | 31.7% |
| Net earnings | $1.3M | $402K |
| Net margin | 16.5% | 22.3% |
| Operating cash flow | $2.2M | $756K |
| Free cash flow | — | $691K |
Where the revenue comes from
Winchester Bancorp
- Net interest income: $7.2M (94%)
- Noninterest income: $498K (6%)
PFS Bancorp
- Net interest income: $1.6M (90%)
- Noninterest income: $174K (10%)
Questions
Which is bigger, Winchester Bancorp or PFS Bancorp?
Winchester Bancorp is the larger company: $7.7M of revenue in its latest quarter (Q3 2026) against $1.8M for PFS Bancorp (Q3 2026).
Is Winchester Bancorp or PFS Bancorp growing faster?
Winchester Bancorp is growing faster (+33% against +7% a year earlier).
Which is more profitable, Winchester Bancorp or PFS Bancorp?
PFS Bancorp is more profitable, with an operating margin of 31.7% against 21.5%.
More: Winchester Bancorp earnings · how Winchester Bancorp makes money · PFS Bancorp earnings · how PFS Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 4, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.