Winchester Bancorp, Inc. (WSBK)

Winchester Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023
Net Income	1.32	-0.87	0.79	4.16
Depreciation & Amortization	0.97	0.85	0.75	0.64
Provision for Credit Losses	0.73	2.07	0.51	1.4
Other Adjustments	-0.12	0.05	-0.84	-3.4
Changes in Accrued Interest and Accounts Receivable	-0.49	-0.16	-0.91	-0.61
Changes in Accrued Expenses	-0.61	-1.01	3.37	3.42
Changes in Other Operating Activities	3.78	1.54	-3.44	-5.16
Operating Cash Flow	5.65	2.47	0.23	0.44
Operating Cash Flow Growth	-	967.10%	-47.14%	-
Net Change in Loans Held-for-Investment	-76.22	-71.25	-83.37	-120.02
Net Change in Securities and Investments	-33.38	-14.68	-14.7	3.23
Capital Expenditures	-0.2	-0.28	-1.32	-
Sale of Property, Plant & Equipment	-	-	-	4.3
Other Investing Activities	-0.12	-0.52	-5.79	-9.26
Investing Cash Flow	-109.92	-86.73	-105.18	-121.75
Net Change in Deposits	85.33	43.79	59.03	26.66
Net Short-Term Debt Issued (Repaid)	8.48	13.53	-3.23	19.7
Long-Term Debt Issued	-3	17	190	112
Long-Term Debt Repaid	-7.4	-13	-149	-48
Net Long-Term Debt Issued (Repaid)	-10.4	4	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	0.08	-0.04
Financing Cash Flow	117.51	95.39	96.89	110.31
Net Cash Flow	13.24	11.13	-8.06	-11
Free Cash Flow	5.45	2.18	-1.09	0.44
Free Cash Flow Growth	149.88%	-	-	-
FCF Margin	24.64%	12.64%	-6.94%	2.12%
Free Cash Flow Per Share	0.64	0.24	-0.19	-
Levered Free Cash Flow	2.95	17.6	37.01	86.15
Unlevered Free Cash Flow	3.45	0.94	-1.55	-1.72

Updated Apr 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q