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Side-by-side financial comparison of Winchester Bancorp, Inc. (WSBK) and Xos, Inc. (XOS). Click either name above to swap in a different company.
Winchester Bancorp, Inc. is the larger business by last-quarter revenue ($6.4M vs $5.2M, roughly 1.2× Xos, Inc.). Winchester Bancorp, Inc. runs the higher net margin — 16.7% vs -186.8%, a 203.5% gap on every dollar of revenue. On growth, Winchester Bancorp, Inc. posted the faster year-over-year revenue change (45.8% vs -54.5%).
Winchester Bancorp, Inc. (Maryland) is a regional bank holding company operating community banking outlets across Maryland. It provides a full range of retail and commercial financial services, including deposit accounts, mortgage loans, small business loans, and wealth management solutions, serving individual consumers and local small to medium-sized enterprise clients.
Xos, Inc. is an American manufacturer of commercial electric vehicles (EVs) and mobile EV chargers.
WSBK vs XOS — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $6.4M | $5.2M |
| Net Profit | $1.1M | $-9.8M |
| Gross Margin | — | -50.5% |
| Operating Margin | 20.9% | -186.6% |
| Net Margin | 16.7% | -186.8% |
| Revenue YoY | 45.8% | -54.5% |
| Net Profit YoY | 187.9% | 48.6% |
| EPS (diluted) | $0.12 | $-0.76 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $6.4M | $5.2M | ||
| Q3 25 | $5.8M | $16.5M | ||
| Q2 25 | — | $18.4M | ||
| Q1 25 | $4.4M | $5.9M | ||
| Q4 24 | $4.4M | $11.5M | ||
| Q3 24 | — | $15.8M | ||
| Q2 24 | — | $15.5M | ||
| Q1 24 | — | $12.6M |
| Q4 25 | $1.1M | $-9.8M | ||
| Q3 25 | $962.0K | $2.1M | ||
| Q2 25 | — | $-7.5M | ||
| Q1 25 | $305.0K | $-10.2M | ||
| Q4 24 | $373.0K | $-19.0M | ||
| Q3 24 | — | $-10.5M | ||
| Q2 24 | — | $-9.7M | ||
| Q1 24 | — | $-11.0M |
| Q4 25 | — | -50.5% | ||
| Q3 25 | — | 15.3% | ||
| Q2 25 | — | 8.8% | ||
| Q1 25 | — | 20.6% | ||
| Q4 24 | — | -32.4% | ||
| Q3 24 | — | 18.1% | ||
| Q2 24 | — | 13.1% | ||
| Q1 24 | — | 22.1% |
| Q4 25 | 20.9% | -186.6% | ||
| Q3 25 | 22.8% | -42.4% | ||
| Q2 25 | — | -38.5% | ||
| Q1 25 | 8.5% | -157.7% | ||
| Q4 24 | 9.4% | -127.0% | ||
| Q3 24 | — | -61.4% | ||
| Q2 24 | — | -73.2% | ||
| Q1 24 | — | -81.1% |
| Q4 25 | 16.7% | -186.8% | ||
| Q3 25 | 16.6% | 12.9% | ||
| Q2 25 | — | -40.8% | ||
| Q1 25 | 7.0% | -173.3% | ||
| Q4 24 | 8.4% | -165.4% | ||
| Q3 24 | — | -66.6% | ||
| Q2 24 | — | -62.2% | ||
| Q1 24 | — | -87.1% |
| Q4 25 | $0.12 | $-0.76 | ||
| Q3 25 | $0.11 | $0.22 | ||
| Q2 25 | — | $-0.91 | ||
| Q1 25 | — | $-1.26 | ||
| Q4 24 | — | $-2.34 | ||
| Q3 24 | — | $-1.32 | ||
| Q2 24 | — | $-1.23 | ||
| Q1 24 | — | $-1.80 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $54.8M | $14.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $118.2M | $23.3M |
| Total Assets | $1.0B | $60.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $54.8M | $14.0M | ||
| Q3 25 | $57.7M | $14.1M | ||
| Q2 25 | — | $8.8M | ||
| Q1 25 | $66.6M | $4.8M | ||
| Q4 24 | $41.5M | $11.0M | ||
| Q3 24 | — | $8.4M | ||
| Q2 24 | — | $19.7M | ||
| Q1 24 | — | $46.2M |
| Q4 25 | $118.2M | $23.3M | ||
| Q3 25 | $117.0M | $31.1M | ||
| Q2 25 | — | $18.3M | ||
| Q1 25 | $80.9M | $24.8M | ||
| Q4 24 | $80.3M | $33.6M | ||
| Q3 24 | — | $50.8M | ||
| Q2 24 | — | $59.2M | ||
| Q1 24 | — | $67.8M |
| Q4 25 | $1.0B | $60.4M | ||
| Q3 25 | $1.0B | $73.8M | ||
| Q2 25 | — | $80.3M | ||
| Q1 25 | $923.1M | $87.7M | ||
| Q4 24 | $894.1M | $98.3M | ||
| Q3 24 | — | $120.5M | ||
| Q2 24 | — | $123.4M | ||
| Q1 24 | — | $135.0M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $1.6M | $2.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | 1.44× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.6M | $2.4M | ||
| Q3 25 | $1.4M | $3.1M | ||
| Q2 25 | — | $4.6M | ||
| Q1 25 | $848.0K | $-4.8M | ||
| Q4 24 | — | $3.3M | ||
| Q3 24 | — | $-11.5M | ||
| Q2 24 | — | $-26.0M | ||
| Q1 24 | — | $-14.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $-11.7M | ||
| Q2 24 | — | $-26.1M | ||
| Q1 24 | — | $-14.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -73.9% | ||
| Q2 24 | — | -168.1% | ||
| Q1 24 | — | -115.7% |
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 0.2% |
| Q4 25 | 1.44× | — | ||
| Q3 25 | 1.41× | 1.45× | ||
| Q2 25 | — | — | ||
| Q1 25 | 2.78× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
