Stock Ratings / Financials / WSBK / dividends

BSBK (51) SRBK (57) HYNE (53) FNWB (37) ⌘ Pro Terminal →

Winchester Bancorp Inc. (WSBK) Dividend Safety Gauge & 10-Year DRIP Compounder

$13.33 +0.41% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.31

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.

📊 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) →

ROARABLE D+ • SELL / AVOID Cap $123.9M

📤 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?

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As of 2026-11-01, 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 $13.33 (+0.41% 1D, market cap $123.9M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 7/20. Across 1096 tracked Financials issuers, WSBK ranks #750 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?

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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 (51/100 RQD, P/E 56.3x, ROIC 1.5%, cap $117.8M) and SRBK (SR Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E 29.3x, ROIC 2.7%, cap $150.5M). 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?

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Per WSBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0002047235), Winchester Bancorp Inc. generated $0 in revenue, -$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: $13.31 (-0.12%)🧬 Dilution Drag (+1.36% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.1% 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+

2-of-3 JEV AI Jury 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 SNOWFLAKE RADARRw D · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-2.3% Base Target

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+15/20 pts (28% of score)

FRED Regime × Technicals: 96% of 52W Range • RSI-14 at 69.9 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (23% 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)

Grade D$12.91+0.1% Next Q

Q2 (-2Q)

Grade D$12.92+1.3% Next Q

Q3 (-1Q)

Grade C-$13.09+1.8% Next Q

Current

Grade D+$13.33-0.9% 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 ($12.98) and Max Pain ($14.00) forces dealer call-delta covering toward $15.38.

🚀 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 →

CASH DIVIDEND + BUYBACK YIELD

0.6% Total Yield

0% Cash ($0.00/yr) + 0.6% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,081

Est. Year-10 Shareholder Yield: $102/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.6K

Yr 1

$11.1K

Yr 2

$11.7K

Yr 3

$12.4K

Yr 4

$13.1K

Yr 5

$13.8K

Yr 6

$14.5K

Yr 7

$15.3K

Yr 8

$16.2K

Yr 9

$17.1K

Yr 10

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: +4.22%📐 HORIZONTAL RANGE

2026-10-30O $13.35H $13.35L $13.28C $13.33VOL 12.1K

RES: $13.51SUP: $12.71SMA50: $12.98SMA200: $12.79

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #750 of 1096 ⚔️ BSBK vs WSBK Full Matrix →

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

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Winchester Bancorp Inc. (WSBK) ranks #750 by composite RQD confidence (53/100, grade D+) and #940 by equity capitalization ($123.9M). 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. SRBK currently holds the highest overall quantitative score in the immediate peer group at 57/100 (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%	+0.41%	$123.9M	Benchmark Subject
BSBK Bogota Financial Corp.	D	51/100	56.3x	—	1.5%	-0.11%	$117.8M	/bsbk-vs-wsbk →
SRBK SR Bancorp Inc.	D+	57/100	29.3x	—	2.7%	+0.64%	$150.5M	/srbk-vs-wsbk →
HYNE Hoyne Bancorp Inc.	D+	53/100	—	—	0.1%	+1.44%	$153.7M	/hyne-vs-wsbk →
FNWB First Northwest Bancorp	D-	37/100	—	—	-2.7%	-0.10%	$98.1M	/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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	-$874.0K	$2.5M	$2.5M	$1.02B	—
FY2024 (FY)	2024-06-30	$0	$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?

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

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

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

WSBK last traded at $13.33 (+0.41% on volume of 18,064 shares), positioning the stock +2.70% above its 50-day simple moving average ($12.98) and +4.22% above its 200-day simple moving average ($12.79). Across its 52-week range of $9.52 to $13.49, WSBK sits at the 96.0% percentile with a 14-day RSI of 69.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±1.8% ($13.09 to $13.57).

WSBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does WSBK pay a dividend and is it safe?

Winchester Bancorp Inc. (WSBK) offers a 0% cash dividend yield ($0.00 annualized) and 0.6% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

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