Winchester Bancorp, Inc. (WSBK) Fair Value 2026

WSBK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.2 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-28, Winchester Bancorp, Inc. (WSBK) trades at $12.98, versus a $11.20 median fair value across its 3 active models — 13.7% below the current price. QOC: 6.2/10. Value Trap Risk: 0/100 (SAFE). 3/13 models active.

Key Facts

Ticker
WSBK
Price
$12.98
Quality Score
6.2/10
Value Trap Risk
0/100
Models Active
3/13
Last Updated
Strength: Regime Cross-Sectional suggests +9.7% upside with 16% confidence
Risk: Majority of models suggest overvaluation

Is Winchester Bancorp, Inc. (WSBK) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Winchester Bancorp, Inc. (WSBK) appears overvalued as of : the median of 3 independent fair value estimates is $11.20, 13.7% below the current price of $12.98. Estimates range from $8.01 to $14.24. WSBK scores 6.2/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. WSBK’s -13.7% gap is narrower than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Winchester Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give WSBK?

3 Intrinsic Value Models vs. Current Price ($12.98)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $8.01 -38.3%
Relative · Low Conviction
 $14.24 +9.7%
Relative · Low Conviction
 $11.20 -13.7%

All Models Active

All 3 models are displayed above.

What Is WSBK's Fair Value Range?

Spread across 3 independent models · $8.01 to $14.24

CirclFi's 3 active models place Winchester Bancorp, Inc. (WSBK) between $8.01 and $14.24 per share, a spread of 56% of the median. The median of that range — $11.20 — is the fair value CirclFi publishes for WSBK, against a current price of $12.98.

Low · ML-RIVHigh · Regime Cross
$8.01median $11.20$14.24
Where the range comes from
Most bearish modelML Residual Income$8.01
Most bullish modelRegime Cross-Sectional$14.24
Model agreement1 bullish · 2 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on WSBK, not a CirclFi price target. How each model works →

What Is Winchester Bancorp, Inc. (WSBK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on Winchester Bancorp, Inc. at its current price of $12.98. The median intrinsic value is estimated at $11.20 (-13.7% vs price), with 2 models flagging overvaluation risk. Model dispersion is worth noting: Regime Cross targets $14.24 (+9.7%), versus ML-RIV at $8.01 (-38.3%). This +48.0% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About WSBK?

3 of 13 models are currently active for WSBK. Of these, 1 model suggests upside while 2 models suggest overvaluation. Taken together, their median fair value for WSBK is $11.20 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does WSBK Rank in Banks - Regional?

Among 352 Banks - Regional stocks, WSBK ranks #330 by Quality of Company score. CirclFi's QOC score of 6.2/10 evaluates 32 fundamental signals. A score of 6.2 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Winchester Bancorp, Inc. competes in an environment where net interest margin (NIM) often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is WSBK a Value Trap?

CirclFi's Value Trap algorithm assigns WSBK a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Winchester Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Winchester Bancorp, Inc. is rated at 6.2/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.

The gap between the most bullish and bearish model spans +48.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every WSBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across WSBK's 3 active models, average confidence is 24%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Winchester Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

AVBCAvidia Bancorp, Inc.QOC 6.2NSTSNSTS Bancorp, Inc.QOC 6.2FSEAFirst Seacoast Bancorp, Inc.QOC 6.2OZKBank OZKQOC 6.1FLGFlagstar Bank, National AssociationQOC 6.4BCOW1895 Bancorp of Wisconsin, Inc.QOC 6.1CBSHCommerce Bancshares, Inc.QOC 8.5TRSTTrustCo Bank Corp NYQOC 8.1PFBXPeoples Financial CorporationQOC 7.7STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: AVBC · NSTS · FSEA · OZK · FLG · BCOW · CBSH · TRST · PFBX · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to WSBK?

7 companies across all industries closest to WSBK’s Quality of Company score of 6.2/10.

QMCIQuoteMedia, Inc.QOC 6.2ATHEAlterity Therapeutics LimitedQOC 6.2CRDFCardiff Oncology, Inc.QOC 6.2YYAIAiRWA Inc.QOC 6.2YQ17 Education & Technology Group Inc.QOC 6.2IPMIntelligent Protection Management Corp.QOC 6.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: QMCI · ATHE · CRDF · YYAI · YQ · IPM · NVDA

Where Does WSBK Sit in CirclFi's Banks - Regional Rankings?

WSBK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Winchester Bancorp, Inc.’s Valuation?

What is Winchester Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Winchester Bancorp, Inc. (WSBK)'s intrinsic value at $11.20 — the median of 3 independent model estimates as of 2026-08-28, ranging from $8.01 to $14.24. The Quality of Company score is 6.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is WSBK overvalued or undervalued right now?

At $12.98, 1 of 3 active models suggest WSBK may be undervalued, while 2 indicate potential overvaluation. The median of all 3 fair value estimates is $11.20, 13.7% below the current price of $12.98 — a consensus view that WSBK is overvalued. The assessment depends on which methodology best fits Winchester Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 6.2 mean for WSBK?

Winchester Bancorp, Inc.'s QOC of 6.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on WSBK?

CirclFi analyzes WSBK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on WSBK?

Of the 3 models currently active on WSBK, Regime Cross-Sectional is the most bullish at $14.24 per share, and ML Residual Income is the most bearish at $8.01. CirclFi's published fair value for WSBK is the median of that range, $11.20, not either extreme. The gap between the two ends equals 56% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is WSBK a value trap in 2026?

Winchester Bancorp, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Winchester Bancorp, Inc. (WSBK) has a median fair value of $11.20 — 13.7% below the current price of $12.98 — as of 2026-08-28.” Source: circlfi.com/stock/WSBK/ · Methodology
Primary sources for this WSBK valuation
  • Financial statements: Winchester Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0002047235) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for WSBK as of ; valuations recomputed .