WBS vs WSBK

Webster Financial Corporation vs Winchester Bancorp, Inc. — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — WSBK scores higher on quality with 7.3/10 vs WBS's 5.9/10. WBS trades at $72.61 while WSBK trades at $12.72. Both analyzed daily using SEC EDGAR data across 13 institutional models.

WBS

Banks - Regional
Webster Financial Corporation
Quality
5.9
out of 10
Value Trap
18
SAFE
Price
$72.61
Last close
Models
12/13
Active
VS

WSBK

Banks - Regional
Winchester Bancorp, Inc.
Quality
7.3
out of 10
Value Trap
Price
$12.72
Last close
Models
12/13
Active
WBS
2 models active
Limited to 2/13 visible models
WSBK
2 models active
Limited to 2/13 visible models

WBS vs WSBK — Fair Value Comparison

WBS
$0$29$57$86 Price$72.61 Bayesian …$42.80 (-41.1%) Earnings …$62.42 (-14.0%)
WSBK
$0$5$10$15 Price$12.72 Bayesian …$10.35 (-18.6%) Earnings …$10.18 (-20.0%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType WBS Fair ValueWBS Upside WSBK Fair ValueWSBK Upside
Bayesian DCF Intrinsic $42.80 -41.1% $10.35 -18.6%
Earnings Power Value Intrinsic $62.42 -14.0% $10.18 -20.0%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Dynamic NAV Asset-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

WBS vs WSBK — Which Stock Is More Undervalued in 2026?

WSBK scores higher with a 7.3/10 quality rating vs WBS's 5.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do WBS and WSBK Valuations Compare?

At $72.61, WBS trades +41.1% above its Bayesian DCF fair value of $42.80, while WSBK at $12.72 trades +18.6% above its estimate of $10.35. WBS shows a wider gap between price and intrinsic value.

Quality of Company: WBS vs WSBK

WBS earns a Quality of Company score of 5.9/10 compared to WSBK's 7.3/10. This moderate difference suggests one company has an edge in fundamental quality, though both may offer investment merit depending on valuation. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: WBS vs WSBK

Review the value trap analysis for both WBS and WSBK to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Banks - Regional

Both WBS and WSBK operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

2 of 13 MODELS UNLOCKED

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