Winchester Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2024	FY 2024	FY 2023	FY 2023	FY 2022
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Jun '24 Jun 30, 2024	Dec '23 Dec 31, 2023	Jun '23 Jun 30, 2023
Net Income	1.06	-0.87	-	0.79	0.79	4.16
Depreciation & Amortization	0.92	0.85	0.85	0.75	0.75	0.64
Provision for Credit Losses	0.38	2.07	2.07	0.51	0.51	1.4
Other Adjustments	-0.24	0.05	-0.57	-0.84	-0.37	-3.4
Changes in Accrued Interest and Accounts Receivable	-0.47	-0.16	-0.16	-0.91	-0.91	-0.61
Changes in Accrued Expenses	-0.76	-1.01	-1.01	3.37	3.37	3.42
Changes in Other Operating Activities	3.78	1.54	1.54	-3.44	-3.44	-5.16
Operating Cash Flow	5.55	2.47	2.47	0.23	0.23	0.44
Operating Cash Flow Growth	-	-	967.10%	-	-47.14%	-
Net Change in Loans Held-for-Investment	-93.75	-71.25	-71.25	-83.37	-83.37	-120.02
Net Change in Securities and Investments	-33.59	-14.68	-14.68	-14.7	-16.77	3.23
Capital Expenditures	-0.17	-0.28	-0.28	-1.32	-1.32	-
Sale of Property, Plant & Equipment	-	-	-	-	-	4.3
Other Investing Activities	-0.83	-0.52	-0.52	-5.79	-1.79	-9.26
Investing Cash Flow	-129.57	-86.73	-86.73	-105.18	-105.18	-121.75
Net Change in Deposits	89	43.79	43.79	59.03	59.03	26.66
Net Short-Term Debt Issued (Repaid)	40.98	13.53	13.53	-3.23	-3.23	19.7
Long-Term Debt Issued	-3	17	17	190	190	112
Long-Term Debt Repaid	-22.7	-13	-13	-149	-149	-48
Net Long-Term Debt Issued (Repaid)	-25.7	4	4	41	41	64
Issuance of Common Stock	-	37.81	-	-	-	-
Repurchase of Common Stock	-	-3.35	-	-	-	-
Net Common Stock Issued (Repurchased)	-	34.46	-	-	-	-
Other Financing Activities	0.19	-0.39	0.11	0.08	0.08	-0.04
Financing Cash Flow	139.95	95.39	95.39	96.89	96.89	110.31
Net Cash Flow	15.94	11.13	11.13	-8.06	-8.06	-11
Free Cash Flow	5.39	2.18	2.18	-1.09	-1.09	0.44
Free Cash Flow Growth	147.02%	-	-	-	-	-
FCF Margin	23.97%	12.64%	12.64%	-6.94%	-7.09%	2.12%
Free Cash Flow Per Share	-	0.24	-	-0.19	-	-
Levered Free Cash Flow	19.74	17.6	16.07	37.01	37.01	86.15
Unlevered Free Cash Flow	3.3	0.94	0.94	-1.55	-1.55	-1.72

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q