SR Bancorp, Inc. (SRBK) AI Stock Analysis

• Market Cap: $121.07M
• Dividend Yield: 1%
• Average Volume (3M): 34.85K
• Price to Earnings (P/E): 24.2
• Beta (1Y): 0.41
• Revenue Growth: 26.46%
• EPS Growth: N/A
• Country: US
• Employees: 116
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.10
• Shares Outstanding: 8,707,164
• 10 Day Avg. Volume: 45,863
• 30 Day Avg. Volume: 34,850
• PEG Ratio: -0.24
• Price to Book (P/B): 0.59
• Price to Sales (P/S): 2.46
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.14
• Enterprise Value/Revenue: 2.84
• Enterprise Value/Gross Profit: 4.34
• Enterprise Value/Ebitda: 20.97
• 1Y Price Target: $15.00
• Price Target Upside: -0.33% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

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

SR Bancorp, Inc.'s overall stock score reflects its mixed financial performance, with improved profitability but significant revenue and cash flow challenges. Technical indicators show moderate upward momentum, but valuation metrics suggest potential overvaluation. The lack of earnings call and corporate events data limits further insights.

SR Bancorp, Inc. Business Overview & Revenue Model

Company Description

SR Bancorp, Inc. (SRBK) is a financial services holding company operating primarily within the banking sector. The company provides a wide range of banking products and services designed to meet the needs of individual consumers, small businesses, and commercial clients. Key offerings include deposit accounts, mortgage lending, consumer loans, and business financing solutions. SR Bancorp is committed to delivering personalized banking experiences while leveraging technology to enhance service delivery and customer engagement.

How the Company Makes Money

SR Bancorp, Inc. generates revenue primarily through interest income from its lending activities, including mortgages, personal loans, and business financing. The company earns interest on the loans it issues, which constitutes a significant portion of its income. Additionally, SR Bancorp generates non-interest income through fees from banking services such as account maintenance, transaction processing, and financial advisory services. The company also benefits from strategic partnerships with other financial institutions to offer a broader range of investment products, contributing to its revenue streams. Factors such as interest rate fluctuations and economic conditions can impact SR Bancorp's earnings, influencing its lending activities and fee-based income.

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, the significant decline in revenue and cash flow generation poses risks. Operational challenges and cash flow management need improvement.

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	31.83M	38.37M	17.38M	14.78M	14.39M
Gross Profit	31.84M	31.83M	22.81M	14.96M	13.25M	11.98M
EBITDA	6.58M	4.78M	-9.60M	2.20M	2.63M	1.85M
Net Income	3.75M	3.75M	-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	53.46M	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	531.67M	517.41M
Stockholders Equity	192.39M	192.39M	199.48M	122.08M	118.23M	121.94M
Cash Flow
Free Cash Flow	2.67M	1.12M	-2.84M	1.80M	708.00K	2.15M
Operating Cash Flow	2.93M	1.12M	-1.74M	2.32M	1.03M	2.39M
Investing Cash Flow	-37.92M	13.82M	11.75M	2.70M	-34.90M	-71.95M
Financing Cash Flow	51.31M	-12.32M	-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: Positive
• RSI: Neutral
• STOCH: Neutral

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 14.97, above the 50-day MA of 14.63, and above the 200-day MA of 13.01, indicating a bullish trend. The MACD of 0.11 indicates Positive momentum. The RSI at 54.38 is Neutral, neither overbought nor oversold. The STOCH value of 38.86 is Neutral, 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
PROV	69 Neutral	$102.60M	17.02	―	3.59%	2.53%	-12.02%
SRBK	56 Neutral	$121.07M	24.17	1.91%	1.00%	26.46%	―
PBHC	52 Neutral	$94.81M	168.01	-0.59%	2.60%	8.19%	―
FGBI	48 Neutral	$121.04M	-7.94	-3.44%	0.50%	9.81%	-220.92%
FNWB	45 Neutral	$73.93M	-6.87	-4.30%	3.57%	10.23%	-110.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

SR Bancorp, Inc. Corporate Events

SR Bancorp Announces New Stock Repurchase Program

On July 8, 2025, SR Bancorp, Inc. announced the authorization of a new stock repurchase program, allowing for the repurchase of up to 10% of its outstanding common stock. This marks the company’s second repurchase initiative since its mutual-to-stock conversion in September 2023. The repurchase program’s timing and volume will depend on various factors, including market conditions and the company’s financial performance, but there is no obligation to repurchase a specific number of shares.

SR Bancorp Declares Cash Dividend for Shareholders

On June 18, 2025, SR Bancorp, Inc.‘s Board of Directors declared a cash dividend of $0.05 per share, payable on July 15, 2025, to stockholders of record as of June 30, 2025. This decision reflects the company’s strong financial position and commitment to providing returns to its shareholders.