Winchester Bancorp, Inc. (WSBK) Fair Value 2026

WSBK · Savings Institutions, Not Federally Chartered ·

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

Quality Score

7.0 /10

32 fundamental signals · 13 models active

Value Trap Risk

— (—/100)

Quick Summary — As of 2026-07-14, Winchester Bancorp, Inc. (WSBK) trades at $13.04, approximately 45% below CirclFi’s Bayesian DCF fair value of $23.91. QOC: 7.0/10. 13/13 models active.

Key Facts

Ticker
WSBK
Price
$13.04
Quality Score
7.0/10
Value Trap Risk
—/100
Models Active
13/13
Last Updated
Strength: Bayesian DCF suggests +83.3% upside with 50% confidence
Risk: Limited model coverage (13/13) may reduce confidence

Valuation Matrix

13 Intrinsic Value Models vs. Current Price ($13.04)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
 $23.91 +83.3%
Earnings Power Value
Medium Conviction
 $2.97 -77.3%
CUCE Ensemble
Low Conviction
 $15.79 +21.1%
First Chicago
Medium Conviction
 $13.57 +4.0%

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

According to the CirclFi Deep Alpha Valuation Engine, Winchester Bancorp, Inc. presents a highly debated valuation profile at its current price of $13.04. The composite intrinsic value is estimated at $14.01 (+7.4% average upside), masking a wide model spread between the 4 bullish models and 7 bearish models. Model dispersion is worth noting: ML-RIV targets $38.12 (+192.3%), versus EPV at $2.97 (-77.3%). This +269.6% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About WSBK?

13 of 13 models are currently active for WSBK. Of these, 5 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates WSBK's intrinsic value at $23.91, implying +83.3% upside from the current price. See which stocks rank higher →

How Does WSBK Rank in Savings Institutions, Not Federally Chartered?

Among 22 Savings Institutions, Not Federally Chartered stocks, WSBK ranks #16 by Quality of Company score. CirclFi's QOC score of 7.0/10 evaluates 32 fundamental signals. A score of 7.0 indicates above-average quality.

Winchester Bancorp, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is WSBK a Value Trap?

The Value Trap algorithm is not active for WSBK. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

13 of 13 models are active for Winchester Bancorp, Inc.. Broad coverage provides high confidence. 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 7.0/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.

The gap between the most bullish and bearish model spans +269.6% — 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 13 active models, average confidence is 30%. 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 Savings Institutions, Not Federally Chartered Stocks Should You Also Analyze?

8 related Savings Institutions, Not Federally Chartered stocks with 13-model coverage

NECBNorthEast Community Bancorp, InQOC 9.5PBFSPioneer Bancorp, Inc.QOC 9.3TCBXThird Coast Bancshares, Inc.QOC 9.1HBCPHome Bancorp, Inc.QOC 8.9GCBCGreene County Bancorp, Inc.QOC 8.8NBBKNB Bancorp, Inc.QOC 8.3SMBCSouthern Missouri Bancorp, Inc.QOC 8.2HFWAHeritage Financial CorporationQOC 8.0

Read investment analysis: NECB · PBFS · TCBX · HBCP · GCBC

Frequently Asked Questions About Winchester Bancorp, Inc.

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

Based on CirclFi's 13-model analysis, Winchester Bancorp, Inc. (WSBK) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $23.91. The Quality of Company score is 7.0/10 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 $13.04, 5 of 13 active models suggest WSBK may be undervalued, while 8 indicate potential overvaluation. The assessment depends on which methodology best fits Winchester Bancorp, Inc.'s business model in Savings Institutions, Not Federally Chartered.

What does a Quality of Company score of 7.0 mean for WSBK?

Winchester Bancorp, Inc.'s QOC of 7.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

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 13 of 13 are active for this stock. Read the full methodology →

Is WSBK a value trap in 2026?

CirclFi's Value Trap algorithm does not have sufficient data for WSBK at this time. Browse stocks by value-trap risk →

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