Winchester Bancorp, Inc./Md/ (WSBK) — SEC Filings
Winchester Bancorp, Inc./Md/ (WSBK) — 16 SEC filings. Latest: 8-K (Nov 13, 2025). Includes 8 8-K, 3 10-Q, 2 S-1/A.
View Winchester Bancorp, Inc./Md/ on SEC EDGAR
Overview
Winchester Bancorp, Inc./Md/ (WSBK) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Nov 13, 2025: Winchester Bancorp, Inc. filed an 8-K on November 13, 2025, reporting on matters submitted to a vote of security holders as of November 12, 2025. The filing details the company's principal executive offices located at 661 Main Street, Winchester, Massachusetts, 01890.
Sentiment Summary
Across 16 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 14 neutral. The dominant filing sentiment for Winchester Bancorp, Inc./Md/ is neutral.
Filing Type Overview
Winchester Bancorp, Inc./Md/ (WSBK) has filed 8 8-K, 3 10-Q, 1 DEF 14A, 1 10-K, 2 S-1/A, 1 S-1 with the SEC between Dec 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (16)
Risk Profile
Risk Assessment: Of WSBK's 16 recent filings, 0 were flagged as high-risk, 8 as medium-risk, and 8 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $5.793M |
| Net Income | $962K |
| EPS | $0.11 |
| Total Assets | $1.005B |
Key Executives
- John A. Carroll
- Deborah A. Carson
- Paula M. Cotter
- Geoffrey A. Curtis
- Alan G. Macdonald
- Sara Perkins Salehpour
- Lawrence M.F. Spaccasi, Esq.
- Ned Quint, Esq.
- Ross Bevan, Esq.
Industry Context
The banking industry is characterized by intense competition, evolving regulatory landscapes, and a growing reliance on digital channels. Community banks like Winchester Bancorp face pressure from larger institutions and fintech companies, necessitating a focus on customer service, niche markets, and efficient operations. Interest rate sensitivity remains a key factor, influencing net interest margins and loan demand.
Top Tags
8-K (6) · financials (5) · financial-reporting (4) · sec-filing (3) · Regional Banking (2) · Massachusetts (2) · 10-Q (2) · loans (2) · securities (2) · reporting (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income | $962K | Swung from a $632K loss in Q3 2024 to a profit in Q3 2025. |
| Net Interest Income | $5.741M | Increased by 52.3% from $3.768M in Q3 2024. |
| Benefit for Credit Losses | $320K | Improved from a $1.162M provision in Q3 2024. |
| Total Assets | $1.005B | Increased by 5.9% from $949.378M at June 30, 2025. |
| Loans, Net | $793.184M | Increased by $41.964M from $751.220M at June 30, 2025. |
| Net Increase in Deposits | $37.239M | Significant growth in deposits for the three months ended September 30, 2025. |
| Loss on Sale of Securities | $317K | Contributed to a decrease in non-interest income in Q3 2025. |
| Common Shares Outstanding | 9,295,376 | Consistent as of September 30, 2025 and June 30, 2025. |
| Basic and Diluted Net Income Per Share | $0.11 | Reported for Q3 2025, compared to n/a for Q3 2024. |
| Net Interest Income Growth | 52% | Percentage increase from Q3 2024 to Q3 2025. |
| Shares of common stock outstanding | 9,295,376 | As of September 30, 2025, used for voting entitlement |
| Shares owned by Winchester Bancorp, MHC | 5,112,457 | Represents 55.0% of outstanding shares, indicating significant control |
| Percentage of shares owned by Winchester Bancorp, MHC | 55.0% | Majority ownership by the mutual holding company |
| Shares owned by all directors and executive officers as a group | 388,560 | Represents 4.2% of outstanding shares |
| Percentage of shares owned by all directors and executive officers as a group | 4.2% | Combined beneficial ownership of management and board |
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Frequently Asked Questions
What are the latest SEC filings for Winchester Bancorp, Inc./Md/ (WSBK)?
Winchester Bancorp, Inc./Md/ has 16 recent SEC filings from Dec 2024 to Nov 2025, including 8 8-K, 3 10-Q, 2 S-1/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of WSBK filings?
Across 16 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 14 neutral. The dominant sentiment is neutral.
Where can I find Winchester Bancorp, Inc./Md/ SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Winchester Bancorp, Inc./Md/ (WSBK) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Winchester Bancorp, Inc./Md/?
Key financial highlights from Winchester Bancorp, Inc./Md/'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for WSBK?
The investment thesis for WSBK includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Winchester Bancorp, Inc./Md/?
Key executives identified across Winchester Bancorp, Inc./Md/'s filings include John A. Carroll, Deborah A. Carson, Paula M. Cotter, Geoffrey A. Curtis, Alan G. Macdonald and 4 others.
What are the main risk factors for Winchester Bancorp, Inc./Md/ stock?
Of WSBK's 16 assessed filings, 0 were flagged high-risk, 8 medium-risk, and 8 low-risk.
What are recent predictions and forward guidance from Winchester Bancorp, Inc./Md/?
Forward guidance and predictions for Winchester Bancorp, Inc./Md/ are extracted from SEC filings as they are enriched.