Is Winchester Bancorp, Inc./MD/ (WSBK) Halal?
Shariah Screening — 5 Standards
Based on financial data from June 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 24.9% | |
| Net Margin | 6.4% | |
| Return on Equity (ROE) | 1.4% | |
| Return on Assets (ROA) | 0.1% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $2M |
| Free Cash Flow | $2M |
| Total Debt | $147M |
| Total Assets | $949M |
Price & Trading
| Last Close | $12.90 |
| 50-Day MA | $12.35 |
| 200-Day MA | $10.29 |
| Avg Volume | 12K |
|
52-Week Range
$8.76
| |
About Winchester Bancorp, Inc./MD/ (WSBK)
Winchester Bancorp, Inc. operates as a bank holding company for Winchester Savings Bank that provides banking products and services in the United States. The company offers deposit accounts, including non-interest-bearing checking, interest-bearing checking, money market, and savings accounts, as well as certificates of deposit; and one- to four-family residential real estate loans, multifamily residential real estate loans, construction loans, commercial real estate loans, home equity loans and lines of credit, commercial business loans, and consumer loans including automobile loans, home mortgages, credit lines, and other personal loans, as well as invests in securities. Winchester Bancorp, Inc. was incorporated in 1871 and is headquartered in Winchester, Massachusetts. Winchester Bancorp, Inc. is a subsidiary of Winchester Bancorp, MHC.
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Frequently Asked Questions
Is Winchester Bancorp, Inc./MD/ (WSBK) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Winchester Bancorp, Inc./MD/ is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Winchester Bancorp, Inc./MD/'s debt ratio?
Winchester Bancorp, Inc./MD/'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Winchester Bancorp, Inc./MD/'s key financial metrics?
Winchester Bancorp, Inc./MD/ has a market capitalization of $116M, trailing P/E ratio of 75.9, and revenue of $19M. Return on equity stands at 1.4%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.