{"filings":[{"id":97469,"accession_number":"0001193125-26-191386","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Winchester Bancorp Q3 net income $1.1M, up 275% YoY; NIM expands 52bps","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.1M ($0.13/share) vs. $305k a year ago; nine-month net income $3.2M ($0.36/share).","Total assets $1.06B (+11.3% from June 2025); net loans $840.5M (+11.9%), deposits $783.7M (+15.4%).","Net interest margin expanded 52bps to 2.54%; efficiency ratio improved to 72.7% from 92.5%.","Municipal deposit channel drove $105.3M growth; new Wakefield, MA branch announced.","Non-performing assets 0.16% of total assets; allowance for credit losses 0.54% of gross loans."],"consensus_eps_estimate":null,"consensus_eps_actual":0.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":112278,"accession_number":"0001193125-26-027185","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Winchester Bancorp Q2 net income surges 187.9% to $1.1M; margin expands to 2.51%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.1M ($0.12 diluted EPS) vs $373k in Q2 2024; six-month net income $2.0M ($0.23).","Net interest income rose 50.4% to $6.1M; net interest margin expanded 59 bps to 2.51%.","Total assets $1.02B, up 7% from June 2025; deposits grew $67.1M (9.9%) driven by municipal channel.","Net loans increased $48.9M (6.5%), led by multifamily (+$24.4M); non-performing assets rose to $3.6M.","Asset quality remains strong with allowance of 0.55% of gross loans, net charge-offs $310k for Q2."],"consensus_eps_estimate":null,"consensus_eps_actual":0.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":128860,"accession_number":"0001193125-25-279601","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2025-11-13T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Winchester Bancorp announces annual meeting results; all director nominees elected","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["John A. Carroll, Deborah A. Carson, Geoffrey A. Curtis, Alan G. Macdonald, and Sara Perkins Salehpour elected as directors for three-year terms.","Each director received over 6.76M votes FOR; broker non-votes totaled 1,068,150.","Ratification of Wolf & Company, P.C. as auditor for FY ending June 30, 2025 passed with 7,860,906 FOR, 115,672 AGAINST, 1,005 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":128859,"accession_number":"0001193125-25-246729","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2025-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Winchester Bancorp posts Q1 net income of $962K vs prior quarter loss of $920K","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $962K ($0.11 EPS) vs prior quarter net loss $920K ($0.10 loss per share).","Loans grew $42.0M (5.6%) and deposits increased $37.2M (5.5%) during the quarter.","Net interest margin expanded to 2.49% from 1.84% year-over-year.","Provision for credit loss decreased $1M due to methodology change to DCF model.","Asset quality stable: ACL 0.55% of loans, NPAs 0.24% of total assets ($1.9M)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":145597,"accession_number":"0001193125-25-206345","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2025-09-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Winchester Bancorp announces annual meeting of stockholders on November 12, 2025","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Winchester Bancorp, Inc. (WSBK) announced its annual meeting will be held on November 12, 2025.","The announcement was made on September 17, 2025 via an 8-K filing with the SEC.","No other material events were disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":145596,"accession_number":"0000950170-25-100224","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Winchester Bancorp reports net loss of $874k for FY2025 due to $2.3M charitable foundation contribution","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $874k (GAAP) vs net income of $786k prior year; non-GAAP net income ex-foundation charge was $750k.","Total assets grew 11.3% to $949.4M; net loans up 10.2% to $751.2M; deposits up 6.9% to $679.2M.","Net interest income rose 21.9% to $17.5M; net interest margin expanded 15 bps to 2.05%.","Non-interest expense increased 26.2% to $18.8M, including $2.3M foundation-related expense.","Provision for credit losses was $2.1M (vs $514k); net charge-offs of $1.4M; non-performing assets 0.23% of total assets."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":163963,"accession_number":"0000943374-25-000192","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2025-05-06T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Winchester Bancorp closes IPO, stock to trade on Nasdaq under WSBK on May 2","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold 3,997,012 shares (including 334,633 to ESOP) in the offering.","Total shares outstanding post-IPO: 9,295,376.","Common stock to begin trading on Nasdaq Capital Market under symbol 'WSBK' on May 2, 2025.","Raymond James & Associates acted as marketing agent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":163962,"accession_number":"0000943374-25-000173","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Winchester Bancorp Q3 net income $305K vs $192K YoY; credit loss benefit of $21K vs provision $1.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for Q3 FY2025 (three months ended March 31, 2025) was $305K, up from $192K in Q3 FY2024.","Nine-month net income fell to $46K from $678K year-over-year.","Benefit for credit losses of $21K vs provision of $1.4M in prior-year quarter, signaling improved credit quality.","Total assets grew to $923.1M from $853.0M at June 30, 2024; loans net of reserves increased to $727.7M.","Total surplus rose to $80.9M from $80.3M at fiscal year-end."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":163961,"accession_number":"0000943374-25-000172","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Winchester Bancorp IPO closes Apr 30; stock begins trading May 2 on Nasdaq under WSBK","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All final regulatory approvals received; reorganization and stock offering close on April 30, 2025.","Company expects to sell 3,997,012 shares (including 334,633 ESOP shares) within the offering range.","Total shares outstanding post-closing: 9,295,376; trading on Nasdaq Capital Market under symbol WSBK begins May 2, 2025.","DRS statements and interest checks mailed on or about May 2, 2025; Raymond James acted as marketing agent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":181815,"accession_number":"0001193125-25-060347","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2025-03-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Winchester Bancorp completes community offering in mutual holding company reorganization","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Community offering closed on March 21, 2025; final results not yet disclosed.","Reorganization remains subject to regulatory approvals and closing conditions.","Anticipated closing date to be announced after all regulatory approvals received."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":181814,"accession_number":"0001193125-25-058404","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2025-03-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Winchester Bancorp starts community offering for mutual holding company reorganization","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Filed prospectus supplement with SEC on March 20, 2025, announcing community offering.","Community offering is in connection with proposed mutual holding company reorganization of Winchester Savings Bank.","Company may terminate the offering at any time in its sole discretion.","Company retains right to accept or reject any orders received in the offering."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":181813,"accession_number":"0001193125-25-028296","cik":2047235,"company_name":"Winchester Bancorp, Inc./MD/","ticker":"WSBK","form_type":"8-K","filed_at":"2025-02-18T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Winchester Bancorp Enters Agency Agreement with Raymond James for Stock Offering","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Raymond James to assist in marketing common stock in connection with mutual holding company reorganization.","Success fee of 1.15% of aggregate shares sold, subject to minimum $400,000; management fee of $25,000.","No fee for shares purchased by officers, trustees, employees, or immediate family, or for employee benefit plans.","If syndicated community offering, fee of 6.00% of common stock sold in that offering.","Raymond James also receives $25,000 records agent fee plus reimbursement for out-of-pocket expenses."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":117490000.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}