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Winchester BancorpWSBK +0.11%8 Return-on-Tangible-Asset is 0.44% as of Mar. 2026, which is 340% above its 10-year median of 0.10. GuruFocus rates WSBK with a GF Score™ of 8/100. The stock has 3 warning signs investors should review. Among 1,524 Banks companies, Winchester Bancorp ranks worse than 89.57% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Winchester Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $4.58 Mil. Winchester Bancorp's average total tangible assets for the quarter that ended in Mar. 2026 was $1,036.54 Mil. Therefore, Winchester Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.44%.
The historical rank and industry rank for Winchester Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
WSBK'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.1 Med: 0.1 Max: 0.55
Current: 0.23
During the past 3 years, Winchester Bancorp's highest Return-on-Tangible-Asset was 0.55%. The lowest was -0.10%. And the median was 0.10%.
WSBK's Return-on-Tangible-Asset is ranked worse than 89.57% of 1524
companies
in the Banks industry
Industry Median: 1
vs WSBK: 0.23
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Winchester Bancorp Return-on-Tangible-Asset Related Terms
Winchester Bancorp Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Winchester Bancorp's Return-on-Tangible-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
WSBK vs SFDL, JDVB, BSBK: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Winchester Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Winchester Bancorp Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Winchester Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Winchester Bancorp's Return-on-Tangible-Asset falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.44% mean?
Winchester Bancorp (WSBK) has a Return-on-Tangible-Asset of 0.44% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Winchester Bancorp and its competitors. This is 340% above median its historical median of 0.10. According to the industry distribution chart, Winchester Bancorp ranks #1365 out of 1524 companies in the Banks industry, placing it in the top 89.6%.
Is Winchester Bancorp's Return-on-Tangible-Asset too high?
Winchester Bancorp's current Return-on-Tangible-Asset of 0.44% is 340% above median its 10-year median of 0.10. The Banks industry median Return-on-Tangible-Asset is 1.00. Winchester Bancorp's value of 0.44% is 56% below this industry median. Based on the distribution chart, Winchester Bancorp ranks #1365 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Winchester Bancorp has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Winchester Bancorp's Return-on-Tangible-Asset compare to SFDL and JDVB?
According to the Banks industry distribution chart, Winchester Bancorp ranks #1365 out of 1524 companies for Return-on-Tangible-Asset. This places Winchester Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. Winchester Bancorp's value of 0.44% is 56% below this benchmark. While the company's 10-year median is 0.10 vs. the industry median of 1.00, Winchester Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.00, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Winchester Bancorp's current Return-on-Tangible-Asset of 0.44% is 56% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Winchester Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Winchester Bancorp's current Return-on-Tangible-Asset is 0.44%, which is 340% above median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Winchester Bancorp stock overvalued right now?
Winchester Bancorp (WSBK) has a current Return-on-Tangible-Asset of 0.44%. The current Return-on-Tangible-Asset is 0.44%, which is 340% above median its 10-year median of 0.10 and 56% below the Banks industry median of 1.00. Winchester Bancorp's overall GF Score™ is 8/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Winchester Bancorp (WSBK), the current Return-on-Tangible-Asset is 0.44% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Winchester Bancorp Inc provides a variety of financial services to individuals and small businesses through its offices in Winchester, Woburn, Danvers and Arlington, Massachusetts. Its primary deposit products are checking, savings and term certificate accounts and its primary lending products are residential and commercial real estate loans.
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