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Stock Ratings / Financials / WSBK
BSBK (56) SRBK (55) HYNE (56) FNWB (32) ⌘ Pro Terminal →

Winchester Bancorp Inc. (WSBK) — RQD Stock Rating Cockpit

$13.44 +0.75% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.43

Winchester Bancorp Inc. (WSBK) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $124.0M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on WSBK Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is WSBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Winchester Bancorp Inc. (NASDAQ: WSBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $13.44 (+0.75% 1D, market cap $124.0M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, WSBK ranks #581 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does WSBK compare to BSBK and SRBK in the Financials sector?
▼

Within the Financials sector (Banks), WSBK carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -0.7%. By comparison, BSBK (Bogota Financial Corp.) holds a D+ grade (56/100 RQD, P/E 56.3x, ROIC 1.5%, cap $116.5M) and SRBK (SR Bancorp Inc.) posts a D+ grade (55/100 RQD, P/E 29.3x, ROIC 2.7%, cap $149.0M). Among the 5-stock peer group, SRBK leads on earnings multiple (29.3x) while SRBK leads on capital efficiency (2.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WSBK?
▼

Per WSBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0002047235), Winchester Bancorp Inc. generated $426.7M in revenue (+13.6% YoY), -$874.0K in net income, and $2.5M in free cash flow against $1.02B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $13.43 (-0.05%)🧬 Dilution Drag (+1.36% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY • 50.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510053
2-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk C-
Cash (9)Whales (13)SEC (10)Macro (14)CEO (7)
Each axis scored 0–20
12M PRICE TARGET CONE-2.2% Base Target
$16 Bull$13 Base$10 Bear
📬 FREE WSBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WSBK)Realized 20D OHLCV Swing Band: ±1.8%
Deterministic 5-Pillar Attribution (53/100 Composite)
🔍 WHY WSBK SCORES 53/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (26% of score)

FRED Regime × Technicals: 99% of 52W Range • RSI-14 at 69.4 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Whale & Options Positioning+13/20 pts (25% of score)

20D Institutional Volume Accumulation (±1.8% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution7/20 pts (-13 pt drag)

Dilution Drag (+1.36% YoY Shares) & executive Form 4 sales trim 13 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
45
Grade D$12.90+0.3% Next Q
Q2 (-2Q)
48
Grade D$12.94+2.9% Next Q
Q3 (-1Q)
50
Grade C-$13.32+0.9% Next Q
Current
53
Grade D+$13.44-0.9% Hist 90D α
Trajectory: D (45) → D+ (53)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a WSBK Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While WSBK currently carries a cautious 53/100 (D+) rating due to Insider Conviction & Share Dilution (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($12.99) and Max Pain ($14.11) forces dealer call-delta covering toward $15.51.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WSBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “WSBK Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”
YES 53%NO 47%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
69.430 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
3 / 99-Pt Accounting
52-WEEK LASER RANGE99% OF RANGE
L: $10$13.44H: $13
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 20 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

2-of-3 Quant Analysts Bearish Warning on WSBK

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (45)

-0.7% ROIC with 42.0% gross margin and 1.99% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (50)

Altman-Z 4.20 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (57)

20/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like WSBK
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring WSBK)

  • ✓Walkthrough of WSBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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WSBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.59%📐 HORIZONTAL RANGE
2026-11-03O $13.33H $13.44L $13.33C $13.44VOL 12.1K
RES: $13.52SUP: $12.71SMA50: $12.99SMA200: $12.81
$13.68$12.89$12.10$11.31$10.53RES $13.52SUP $12.71$13.442026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WSBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WSBK Butterfly Map → + Track WSBK →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +13.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on WSBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WSBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for WSBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WSBK)

Financials Rank #581 of 1097 ⚔️ BSBK vs WSBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (WSBK vs. BSBK, SRBK, HYNE, FNWB)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Winchester Bancorp Inc. (WSBK) ranks #581 by composite RQD confidence (53/100, grade D+) and #940 by equity capitalization ($124.0M). Within this direct 5-issuer industry benchmark cohort, SRBK leads on earnings valuation at 29.3x trailing P/E, while SRBK leads on capital efficiency and profitability with 2.7% ROIC and — gross margin. BSBK currently holds the highest overall quantitative score in the immediate peer group at 56/100 (D+) compared with WSBK at 53/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
WSBK ACTIVE
Winchester Bancorp Inc.
D+ 53/100 — — -0.7% +0.75% $124.0M Benchmark Subject
BSBK
Bogota Financial Corp.
D+ 56/100 56.3x — 1.5% +1.64% $116.5M /bsbk-vs-wsbk →
SRBK
SR Bancorp Inc.
D+ 55/100 29.3x — 2.7% +2.40% $149.0M /srbk-vs-wsbk →
HYNE
Hoyne Bancorp Inc.
D+ 56/100 — — 0.1% +0.69% $152.2M /hyne-vs-wsbk →
FNWB
First Northwest Bancorp
E 32/100 — — -2.7% +0.68% $97.3M /fnwb-vs-wsbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-06-30 • CIK 0002047235 ↗

In its most recent audited fiscal period (FY2025, filed 2025-06-30), Winchester Bancorp Inc. (WSBK) reported GAAP revenue of $426.7M (+13.6% vs. FY2024 revenue of $375.5M ) , GAAP net income of -$874.0K, operating cash flow of $2.5M, and free cash flow of $2.5M (+967.1% YoY). On the balance sheet, WSBK closed FY2025 with $1.02B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-06-30 $426.7M -$874.0K $2.5M $2.5M $1.02B —
FY2024 (FY) 2024-06-30 $375.5M $786.0K $231.0K $231.0K $894.1M —

3. WSBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WSBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Winchester Bancorp Inc. (NASDAQ: WSBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $13.44 (+0.75% 1D, market cap $124.0M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, WSBK ranks #581 in composite RQD confidence.

How does WSBK compare to BSBK and SRBK in the Financials sector?

Within the Financials sector (Banks), WSBK carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -0.7%. By comparison, BSBK (Bogota Financial Corp.) holds a D+ grade (56/100 RQD, P/E 56.3x, ROIC 1.5%, cap $116.5M) and SRBK (SR Bancorp Inc.) posts a D+ grade (55/100 RQD, P/E 29.3x, ROIC 2.7%, cap $149.0M). Among the 5-stock peer group, SRBK leads on earnings multiple (29.3x) while SRBK leads on capital efficiency (2.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WSBK?

Per WSBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0002047235), Winchester Bancorp Inc. generated $426.7M in revenue (+13.6% YoY), -$874.0K in net income, and $2.5M in free cash flow against $1.02B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WSBK trading relative to its 50-day, 200-day, and 52-week technical levels?

WSBK last traded at $13.44 (+0.75% on volume of 13,433 shares), positioning the stock +3.46% above its 50-day simple moving average ($12.99) and +4.92% above its 200-day simple moving average ($12.81). Across its 52-week range of $9.52 to $13.49, WSBK sits at the 98.7% percentile with a 14-day RSI of 69.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±1.8% ($13.20 to $13.68).

Direct Sub-Reports: WSBK RQD Cockpit WSBK 12M Forecast WSBK Earnings & Move WSBK Dividends & DRIP WSBK Insiders & 13F WSBK Whale Options WSBK Profit Sankey WSBK News & Why
ROARABLE RATING BRIEF • RQD 53/100 (D+) ✓ SEC XBRL & RQD VERIFIED

WSBK — Winchester Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-06-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Winchester Bancorp Inc. (WSBK) earns a live Roarable RQD composite score of 53/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $13.44 (+0.75% 1D, market capitalization $124.0M).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of -0.7%, gross margin of —, operating margin of —, and free cash flow yield of 1.99%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (7/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Winchester Bancorp Inc. Is a NASDAQ-listed issuer in the Financials sector and Banks industry. The profile describes it as operating in Banks with a market capitalization of $0.1B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), Winchester Bancorp Inc. (WSBK) reported $426.7M in annual revenue (up from $375.5M in FY2024, +13.6% YoY) and -$874.0K in GAAP net income. Over the multi-year SEC filing window from FY2024 ($375.5M revenue, $786.0K net income) through FY2025, WSBK scaled operating cash flow to $2.5M and free cash flow to $2.5M, backed by $1.02B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 53/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 1.99% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $9.52 – $13.49 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Banks (Financials), WSBK carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can WSBK sustain or expand its — operating margin and -0.7% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $426.7M and free cash flow of $2.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is WSBK's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

WSBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Winchester Bancorp Inc. (WSBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to WSBK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WSBK Bull vs. Bear Conversation Board — What's Your Call at $13.44?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WSBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on WSBK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $16.54 (+24.0%)
📌 Pinned Debate

Whale 13F flow scores 13 of 20 and the FY 2025 FCF rose to $2.5M from $0.2M, with cash at $54.8M.

Here is why I am bullish on WSBK here at $13.34: Whale 13F flow scores 13 of 20 and the FY 2025 FCF rose to $2.5M from $0.2M, with cash at $54.8M.. Compare WSBK's 0.0% operating margin and -0.7% ROIC against the rest of Banks. As long as cash conversion holds up, dips toward $12.67 are getting bought.

CapAlloc_Nerd 🐂 BULL

@QuantViper Agree on the RQD 53/100 quality, though with 1.0 beta I'm scaling in with half-size at $13.34 and keeping dry powder in case we test $12.41.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $10.00 (-25.0%)
Spot @ $13.34

ROIC is -0.7%, net income swung to -$0.9M in FY 2025 from $0.8M in FY 2024, and Insider Conviction scores only 7 of 20.

I respect the product at Winchester Bancorp Inc., but the stock at $13.34 is a different story. ROIC is -0.7%, net income swung to -$0.9M in FY 2025 from $0.8M in FY 2024, and Insider Conviction scores only 7 of 20.. FCF yield is 1.99% and RQD sits at 53/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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