MS

Morgan Stanley

62
Fundamentals71/ 100
Valuation48/ 100
Upside potential73/ 100
Risk potential11/ 100

MS's fundamentals are strong: revenue grew 16% and earnings per share grew 29%. At 15x earnings, it's trading in line with its usual 14x. Analysts expect earnings growth.

WSBK

Winchester Bancorp, Inc. Common Stock

There isn't enough reported data to score WSBK yet.

MS Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.

WSBK Fundamentals

MetricStatus
Healthy
Healthy
N/A
N/A

WSBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like WSBK.

MS PE Valuation

CHEAPFAIREXPENSIVE5.5x11x17x22x
CHEAPFAIREXPENSIVE5.5x11x17x22x
LevelPEPriceVs current
Cheap11x$134-29%
Fair14x$178-5.7%
Forward14x$189—
Current15x$189—
Expensive18x$223+18%

Historical ranges are pointers, not guarantees.

MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.

WSBK PE Valuation

CHEAPFAIREXPENSIVE21x42x63x83x
CHEAPFAIREXPENSIVE21x42x63x83x
LevelPEPriceVs current
Cheap27x$13.820%
Current27x$13.82—
Fair50x$25.95+88%
Expensive79x$41.01+197%

Historical ranges are pointers, not guarantees.

WSBK has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.

MS Forward outlook

MetricOutlook
Improving
Growth
Growth
Improving
Limited
Moderate

Analysts expect earnings and revenue growth for MS, with profitability improving.

WSBK Forward outlook

There aren't enough analyst estimates for WSBK to show an outlook.

MS Risk to reward

ScenarioChangePrice
Upside+29%$243.85
Downside-11%$168.44

Calculated from the latest close: $189.17 on Nov 12.

There is not enough scenario data to compare MS and WSBK's risk to reward.

WSBK Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $13.82 on Nov 12.

There is not enough scenario data to compare MS and WSBK's risk to reward.

MS Earnings Per Share

Q4 2023: $5.18Q1 2024: $5.50Q2 2024: $6.08Q3 2024: $6.58Q4 2024: $7.95Q1 2025: $8.53Q2 2025: $8.84Q3 2025: $9.76Q4 2025: $10.21Q1 2026: $11.04Q2 2026: $12.37Q3 2026: $12.60Forward: $13.39
Q4 2023: $5.18Q1 2024: $5.50Q2 2024: $6.08Q3 2024: $6.58Q4 2024: $7.95Q1 2025: $8.53Q2 2025: $8.84Q3 2025: $9.76Q4 2025: $10.21Q1 2026: $11.04Q2 2026: $12.37Q3 2026: $12.60Forward: $13.39
QuarterTTM EPSYoY
Forward$13.39+6.3%
Q3 2026$12.60+29%
Q2 2026$12.37+40%
Q1 2026$11.04+29%
Q4 2025$10.21+28%
Q3 2025$9.76+48%
Q2 2025$8.84+45%
Q1 2025$8.53+55%
Q4 2024$7.95+53%

MS's earnings per share have climbed steadily: $12.60 over the past year, up 29% from the year before, and higher year over year for 10 quarters in a row.

WSBK Earnings Per Share

Q4 2025: $0.16Q1 2026: $0.26Q2 2026: $0.49Q3 2026: $0.52
Q4 2025: $0.16Q1 2026: $0.26Q2 2026: $0.49Q3 2026: $0.52

WSBK and MS do not have enough comparable growth data to identify a winner.

MS Quarterly Revenue

Q4 2023: $12.9BQ1 2024: $15.1BQ2 2024: $15BQ3 2024: $15.4BQ4 2024: $16.2BQ1 2025: $17.7BQ2 2025: $16.8BQ3 2025: $18.2BQ4 2025: $17.9BQ1 2026: $20.6BQ2 2026: $21.3BQ3 2026: $20.3B
Q4 2023: $12.9BQ1 2024: $15.1BQ2 2024: $15BQ3 2024: $15.4BQ4 2024: $16.2BQ1 2025: $17.7BQ2 2025: $16.8BQ3 2025: $18.2BQ4 2025: $17.9BQ1 2026: $20.6BQ2 2026: $21.3BQ3 2026: $20.3B
QuarterRevenueYoY
Q3 2026$20.3B+12%
Q2 2026$21.3B+27%
Q1 2026$20.6B+16%
Q4 2025$17.9B+10%
Q3 2025$18.2B+18%
Q2 2025$16.8B+12%
Q1 2025$17.7B+17%
Q4 2024$16.2B+26%

MS's revenue has grown year over year for 14 quarters in a row: $20.3B last quarter, up 12% from the same quarter a year ago.

WSBK Quarterly Revenue

Q4 2024: $4MQ1 2025: $4MQ2 2025: $5MQ3 2025: $6MQ4 2025: $6MQ1 2026: $7MQ2 2026: $7MQ3 2026: $8M
Q4 2024: $4MQ1 2025: $4MQ2 2025: $5MQ3 2025: $6MQ4 2025: $6MQ1 2026: $7MQ2 2026: $7MQ3 2026: $8M
QuarterRevenueYoY
Q3 2026$7.7M+33%
Q2 2026$7.4M+38%
Q1 2026$6.7M+52%
Q4 2025$6.4M+60%

WSBK has the edge over MS on sales, with stronger typical year-over-year growth.

MS Free Cash Flow

Q4 2023: −$17.8BQ1 2024: $4.4BQ2 2024: $2.5BQ3 2024: −$17.3BQ4 2024: $11.8BQ1 2025: −$24BQ2 2025: $11.8BQ3 2025: −$3.3BQ4 2025: −$2.4BQ1 2026: −$7.1BQ2 2026: −$2.7BQ3 2026: −$46B
Q4 2023: −$17.8BQ1 2024: $4.4BQ2 2024: $2.5BQ3 2024: −$17.3BQ4 2024: $11.8BQ1 2025: −$24BQ2 2025: $11.8BQ3 2025: −$3.3BQ4 2025: −$2.4BQ1 2026: −$7.1BQ2 2026: −$2.7BQ3 2026: −$46B
QuarterFree cash flowYoY
Q3 2026-$46B-$42.7B
Q2 2026-$2.7B-123%
Q1 2026-$7.1B+$16.9B
Q4 2025-$2.4B-120%
Q3 2025-$3.3B+$14B
Q2 2025$11.8B+368%
Q1 2025-$24B-650%
Q4 2024$11.8B+$29.6B

MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.

WSBK Free Cash Flow

Q4 2024: --Q1 2025: $848,000Q2 2025: $2MQ3 2025: $1MQ4 2025: $2MQ1 2026: $1MQ2 2026: $1MQ3 2026: $2M
Q4 2024: --Q1 2025: $848,000Q2 2025: $2MQ3 2025: $1MQ4 2025: $2MQ1 2026: $1MQ2 2026: $1MQ3 2026: $2M
QuarterFree cash flowYoY
Q3 2026$2.2M+60%
Q2 2026$1.1M-40%
Q1 2026$1.4M+60%

WSBK and MS do not have enough comparable growth data to identify a winner.

MS Total Shares

Q4 2023: 1.6BQ1 2024: 1.6BQ2 2024: 1.6BQ3 2024: 1.6BQ4 2024: 1.6BQ1 2025: 1.6BQ2 2025: 1.6BQ3 2025: 1.6BQ4 2025: 1.6BQ1 2026: 1.6BQ2 2026: 1.6BQ3 2026: 1.6B
Q4 2023: 1.6BQ1 2024: 1.6BQ2 2024: 1.6BQ3 2024: 1.6BQ4 2024: 1.6BQ1 2025: 1.6BQ2 2025: 1.6BQ3 2025: 1.6BQ4 2025: 1.6BQ1 2026: 1.6BQ2 2026: 1.6BQ3 2026: 1.6B
PeriodChange %Net change
Quarterly-0.2%-3M shares
1 year-1.5%-24M shares
3 years-4.7%-77M shares
5 years-14%-246M shares
Available history-4.5%-74M shares

MS has the edge over WSBK on shareholder dilution, with a more favorable share count trend.

WSBK Total Shares

Q1 2025: 9MQ2 2025: 9MQ3 2025: 9MQ4 2025: 9MQ1 2026: 9MQ2 2026: 9MQ3 2026: 9M
Q1 2025: 9MQ2 2025: 9MQ3 2025: 9MQ4 2025: 9MQ1 2026: 9MQ2 2026: 9MQ3 2026: 9M
PeriodChange %Net change
Quarterly+0.1%+10.6K shares
1 year+0.2%+16.8K shares

WSBK has 9M diluted shares, about the same as a year ago.

MS Net Leverage

Q4 2023: 10.7xQ1 2024: 9.8xQ2 2024: 9.8xQ3 2024: 10.2xQ4 2024: 7.9xQ1 2025: 8.7xQ2 2025: 8.7xQ3 2025: 8.4xQ4 2025: 8.6xQ1 2026: 8.2xQ2 2026: 7.3xQ3 2026: 7.8x
Q4 2023: 10.7xQ1 2024: 9.8xQ2 2024: 9.8xQ3 2024: 10.2xQ4 2024: 7.9xQ1 2025: 8.7xQ2 2025: 8.7xQ3 2025: 8.4xQ4 2025: 8.6xQ1 2026: 8.2xQ2 2026: 7.3xQ3 2026: 7.8x
QuarterNet LeverageStatus
Q3 20267.8xHigh
Q2 20267.3xHigh
Q1 20268.2xHigh
Q4 20258.6xHigh
Q3 20258.4xHigh
Q2 20258.7xHigh
Q1 20258.7xHigh
Q4 20247.9xHigh

MS has the edge over WSBK on leverage, with a lower net debt burden relative to earnings.

WSBK Net Leverage

Q4 2025: 35.2xQ1 2026: 25.4xQ2 2026: 14.7xQ3 2026: 12.4x
Q4 2025: 35.2xQ1 2026: 25.4xQ2 2026: 14.7xQ3 2026: 12.4x
QuarterNet LeverageStatus
Q3 202612.4xHigh
Q2 202614.7xHigh
Q1 202625.4xHigh
Q4 202535.2xHigh

WSBK's net debt is about 12 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like WSBK.

MS Weekly Momentum

MetricValueStatus
RSI45.0Neutral
Stochastic18.7Oversold

MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).

WSBK Weekly Momentum

MetricValueStatus
RSI77.0Overbought
Stochastic91.1Overbought

WSBK's weekly RSI is 77 (overbought) and its Stochastic is 91 (overbought).

MS PE vs Financial Services Sector

MetricMSSector medianRelative
PE15x13x15% above
PE %59634 pts below

MS has the edge over WSBK on valuation relative to its sector.

WSBK PE vs Financial Services Sector

MetricWSBKSector medianRelative
PE27x13x104% above
PE %1818Same percentile

WSBK is trading at 27x earnings, a 104% premium to the Financial Services sector's median of 13x, though its earnings don't support one.

MS Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$186.51.5% above
20 week MA$203.36.9% below
50 week MA$191.91.4% below
100 week MA$164.915% above
200 week MA$129.346% above

WSBK has stronger trend alignment. MS is above 3 of 5 weekly averages versus WSBK above 3 of 3.

WSBK Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$13.24.9% above
20 week MA$13.15.7% above
50 week MA$12.510% above

WSBK is in an uptrend: it's above all three of its weekly moving averages, and 10% above its 50-week average.

MS Yearly ROI

YearStart priceEnd priceROI
2020$51.1$68.1+33%
2021$68.1$99.3+46%
2022$99.3$86.1-13%
2023$86.1$93.3+8.3%
2024$93.3$126.8+36%
2025$126.8$181.9+43%
2026 YTD$181.9$189.2+4%

MS has finished higher in five of the last six years. It's up 4% so far in 2026.

WSBK Yearly ROI

YearStart priceEnd priceROI
2025$9.30$10.3+11%
2026 YTD$10.3$13.8+34%

WSBK has the edge over MS on returns for 2026, with the stronger performance.

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