SR Bancorp, Inc. (SRBK) AI Stock Analysis

• Market Cap: $117.69M
• Dividend Yield: 1%
• Average Volume (3M): 33.25K
• Price to Earnings (P/E): 39.7
• Beta (1Y): 0.42
• Revenue Growth: 9.43%
• EPS Growth: 166.36%
• Country: US
• Employees: 116
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.09
• Shares Outstanding: 8,707,164
• 10 Day Avg. Volume: 26,695
• 30 Day Avg. Volume: 33,252
• PEG Ratio: -0.16
• Price to Book (P/B): 0.59
• Price to Sales (P/S): 2.27
• P/FCF Ratio: 26.90
• Enterprise Value/Market Cap: 1.17
• Enterprise Value/Revenue: 2.84
• Enterprise Value/Gross Profit: 4.34
• Enterprise Value/Ebitda: 19.39
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 56 Neutral
• Price Target: $15.00 ▼(-0.33% Downside)

SR Bancorp, Inc. receives a moderate score due to mixed financial performance and technical indicators. The company's strong balance sheet and improved profitability are offset by revenue decline, poor cash flow, and overvaluation concerns.

SR Bancorp, Inc. Business Overview & Revenue Model

Company Description

SR Bancorp, Inc., through its subsidiary, Somerset Savings Bank, SLA, provides commercial banking services. The company offers various deposit and loan products to individuals and small businesses. It operates branches in Hunterdon, Middlesex, and Somerset Counties, New Jersey. The company was founded in 1887 and is based in Bound Brook, New Jersey.

How the Company Makes Money

SR Bancorp generates revenue primarily through interest income from loans, which include commercial, residential, and consumer lending. The company also earns money from fees associated with deposit accounts, transaction services, and wealth management offerings. Additionally, SRBK benefits from non-interest income generated through service charges, investment management fees, and other ancillary financial services. Strategic partnerships with local businesses and community organizations further enhance its market presence and revenue potential, while prudent asset management and a diversified loan portfolio contribute to the overall financial stability of the company.

SR Bancorp, Inc. Financial Statement Overview

Summary

SR Bancorp, Inc. shows mixed financial performance. While profitability has improved with a net profit margin of 8.1% and a strong balance sheet with low leverage, significant revenue decline and poor cash flow generation pose risks.

Income Statement

SR Bancorp, Inc. has shown a volatile revenue trajectory with a significant decline of 27.6% in the most recent year. Despite this, the company has managed to improve its net profit margin to 8.1% from a negative margin the previous year, indicating a recovery in profitability. However, the EBIT and EBITDA margins remain low, suggesting operational challenges.

Balance Sheet

The balance sheet of SR Bancorp, Inc. is relatively strong with a low debt-to-equity ratio of 0.17, indicating conservative leverage. The return on equity has improved to 1.95%, reflecting better utilization of equity. The equity ratio stands at a healthy level, showcasing financial stability.

Cash Flow

The cash flow situation is concerning with a significant decline in free cash flow growth by 82.98%. The operating cash flow to net income ratio is low, indicating potential issues in cash generation relative to reported earnings. The free cash flow to net income ratio is also low, suggesting limited cash available after capital expenditures.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	48.69M	50.05M	38.37M	17.38M	14.78M	14.39M
Gross Profit	31.84M	33.18M	22.81M	14.96M	13.25M	11.98M
EBITDA	7.12M	8.47M	-9.60M	2.20M	2.63M	1.85M
Net Income	3.75M	5.14M	-10.86M	1.55M	1.87M	1.25M
Balance Sheet
Total Assets	1.08B	1.08B	1.02B	651.49M	648.63M	639.36M
Cash, Cash Equivalents and Short-Term Investments	3.94M	58.02M	45.93M	78.55M	83.22M	103.88M
Total Debt	33.21M	33.21M	2.40M	20.02M	0.00	0.00
Total Liabilities	890.63M	890.63M	821.36M	529.40M	530.40M	517.41M
Stockholders Equity	192.39M	192.39M	199.48M	122.08M	118.23M	121.94M
Cash Flow
Free Cash Flow	4.23M	4.23M	-2.84M	1.80M	708.00K	2.15M
Operating Cash Flow	4.67M	4.67M	-1.74M	2.32M	1.03M	2.39M
Investing Cash Flow	-50.48M	-50.48M	11.75M	2.70M	-34.90M	-71.95M
Financing Cash Flow	57.69M	57.69M	-6.55M	2.09M	12.46M	28.65M

SR Bancorp, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.05
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SRBK, the sentiment is Positive. The current price of 15.05 is above the 20-day moving average (MA) of 14.75, above the 50-day MA of 14.85, and above the 200-day MA of 13.40, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 58.15 is Neutral, neither overbought nor oversold. The STOCH value of 83.99 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SRBK.

SR Bancorp, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	73 Outperform	$136.36M	10.24	10.12%	2.73%	10.78%	21.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	63 Neutral	$112.39M	11.05	6.52%	1.69%	2.85%	73.57%
AFBI	62 Neutral	$118.42M	16.28	5.95%	―	5.18%	36.12%
SRBK	56 Neutral	$117.69M	39.72	1.57%	1.00%	9.43%	166.36%
UNB	56 Neutral	$106.09M	11.14	―	6.18%	14.58%	7.73%
BSBK	45 Neutral	$112.26M	225.92	0.35%	―	-15.09%	―

SR Bancorp, Inc. Corporate Events

SR Bancorp Declares Quarterly Cash Dividend

On September 22, 2025, SR Bancorp, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.05 per share, to be paid on October 15, 2025, to stockholders of record as of September 30, 2025. This announcement reflects the company’s strong financial position and commitment to returning value to its shareholders, potentially enhancing its attractiveness in the financial market.

The most recent analyst rating on (SRBK) stock is a Hold with a $15.00 price target. To see the full list of analyst forecasts on SR Bancorp, Inc. stock, see the SRBK Stock Forecast page.