Stock fact sheet · data as of
Winchester Bancorp, Inc. Common Stock (WSBK): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Growth
Is WSBK undervalued?
Winchester Bancorp, Inc. Common Stock (WSBK) closed at 12.91 on 16 Oct 2026, 21% above the GLS average fair value of 10.68. Only 2 of the 7 models that produced a number value the shares above the current price. The margin of safety is negative, so the stock fails the "below fair value" rule of the Sunday Scan; a premium of this size is common for companies whose growth the models are conservative about.
There is a wide gap between Lynch (1.88) and GLS Growth (19.11). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files WSBK under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for WSBK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 12.19 | -6% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 7.77 | -40% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 1.88 | -85% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 19.11 | +48% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 12.31 | -5% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 16.01 | +24% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 5.47 | -58% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -108.26 | -939% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Winchester Bancorp, Inc. Common Stock scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability WSBK scores 5.0/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are thin or negative - ROIC 1.6%, ROE 3.7%, ROA 0.4% - with debt at 1.31 times equity and a free-cash-flow yield of 3.6%.
Winchester Bancorp, Inc. Common Stock pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 1/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 1.6% |
|---|---|---|---|
| GLS Moat | 5.0 / 10 | ROE | 3.7% |
| Debt / equity | 1.31 | ROA | 0.4% |
| Free-cash-flow yield | 3.6% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 31: No options
No options are listed on Winchester Bancorp, Inc. Common Stock in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 31) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 15k shares a day on a market cap of $116M, with a beta of -0.38 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 4 / 25 | -21% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 8 / 15 | moat 5.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 15k shares/day, $116M cap, beta -0.38 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for WSBK in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Winchester Bancorp, Inc. Common Stock by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| NWPP New Peoples Bankshares, Inc. | 4.91 | 8.22 | +40% | 39No options | $116M |
| BSBK Bogota Financial Corp. | 9.13 | 6.67 | -37% | 36No options | $117M |
| CZBS Citizens Bancshares Corporation | 66.90 | 135.37 | +51% | 39No options | $117M |
| BORT Bank of Botetourt | 59.24 | 107.04 | +45% | 39No options | $117M |
| OXBC Oxford Bank Corporation | 46.10 | 95.47 | +52% | 39No options | $114M |
| NMBF Nmb Financial Corp | 22.05 | 34.86 | +37% | 38No options | $118M |
| CNBP Cornerstone Bancorp Inc. | 120.00 | 136.75 | +12% | 39No options | $118M |
| UNB Union Bankshares, Inc. | 22.89 | 44.70 | +49% | 39No options | $113M |
| PROV Provident Financial Holdings, Inc. | 18.15 | 15.88 | -14% | 39No options | $113M |
| OPHC OptimumBank Holdings, Inc. | 8.95 | 35.83 | +75% | 39No options | $113M |
| MPCB Mountain Pacific Bancorp Inc | 17.13 | 54.80 | +69% | 39No options | $120M |
| RVSB Riverview Bancorp, Inc. | 6.01 | 6.83 | +12% | 45Weak | $120M |
⚖ Compare WSBK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about WSBK
Is WSBK undervalued right now?
No: at 12.91 the stock trades 21% above the GLS average fair value of 10.68 (data as of 16 Oct 2026). The margin of safety is negative.
What is the Wheel Score of WSBK and what does it mean?
WSBK has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for WSBK?
10.68 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Winchester Bancorp, Inc. Common Stock report earnings next?
No upcoming earnings date is recorded for WSBK in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does WSBK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on WSBK, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.