<span item_type="fundamental" item_id="71b280568dbc122e16ceb0c8adabd7e5" counter_id="ST/US/WSBK" env="prod"></span><span item_type="announcement" item_id="582070943494243841" env="prod"></span><p>Revenue: As of FY2026 Q1, the actual value is USD 11.99 M.</p><p>EPS: As of FY2026 Q1, the actual value is USD 0.11.</p><p>EBIT: As of FY2026 Q1, the actual value is USD -4.743 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest and Dividend Income</strong>: Increased by $1.7 million, or 16.7%, to $11.9 million for the three months ended September 30, 2025, from $10.2 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: Recorded at $962,000 for the three months ended September 30, 2025, compared to a net loss of $632,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li><li><strong>Net Interest Income</strong>: Increased to $5.7 million for the three months ended September 30, 2025, from $3.8 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li><li><strong>Provision for Credit Losses</strong>: Recorded a benefit of $320,000 for the three months ended September 30, 2025, compared to a provision of $1.2 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Provided by Operating Activities</strong>: $1.4 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li><li><strong>Net Cash Used by Investing Activities</strong>: - $53.3 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li><li><strong>Net Cash Provided by Financing Activities</strong>: $54.4 million for the three months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Allowance for Credit Losses on Loans</strong>: $4.4 million at September 30, 2025, representing 0.55% of total loans.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The company plans to continue focusing on originating construction, commercial real estate, and multi-family real estate loans as primary drivers of loan portfolio growth.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li><li><strong>Non-Core Business</strong>: No specific plans related to divestitures or emerging segments were mentioned.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li></ul><h3>Priority</h3><ul><li>The company emphasizes strategies with concrete projections, such as maintaining a strong liquidity position and exceeding regulatory capital requirements.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2047235/000119312525277465/wsbk-20250930.htm"></span></li></ul>

Winchester Bancorp | 10-Q: FY2026 Q1 Revenue: USD 11.99 M