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SR Bancorp, Inc.
(NASDAQ:SRBK)
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Rating:54Neutral
Price Target:
$19.50
▼(-0.71% Downside)
Action:Reiterated
Date:09/26/26
SRBK scores as neutral-to-cautious: the biggest support is improving profitability versus 2024 and strong 2026 cash generation, but the sharp 2026 revenue decline, margin compression, and rising leverage weigh on fundamentals. Weak technical momentum and a high P/E with only a modest yield further limit the score, while corporate events are balanced by a dividend announcement versus breach-related risk.
Positive Factors
Profitability Recovery
The return to profitability after the 2024 loss year indicates that the bank has restored positive earnings capacity. Sustained profits in both 2025 and 2026 provide a stronger foundation for capital retention, lending activity, and continued investment in banking operations.
Negative Factors
Revenue and Margin Compression
The sharp latest-year revenue decline and lower net margin show that the profitability recovery is not yet consistently expanding. Continued weakness could reduce earnings available for capital growth, limit operating flexibility, and make results more sensitive to changes in banking activity and funding economics.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Recovery
The return to profitability after the 2024 loss year indicates that the bank has restored positive earnings capacity. Sustained profits in both 2025 and 2026 provide a stronger foundation for capital retention, lending activity, and continued investment in banking operations.
Read all positive factors
SR Bancorp, Inc. (SRBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$136.53M
Dividend Yield1.17%
Average Volume (3M)19.80K
Price to Earnings (P/E)42.0
Beta (1Y)0.36
Revenue Growth6.46%
EPS Growth1.90%
CountryUS
Employees115
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.45
Shares Outstanding7,931,396
10 Day Avg. Volume25,055
30 Day Avg. Volume19,805
Financial Highlights & Ratios
PEG Ratio-1.67
Price to Book (P/B)0.77
Price to Sales (P/S)2.74
P/FCF Ratio13.15
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
SR Bancorp, Inc. Business Overview & Revenue Model
Company Description
SR Bancorp, Inc. serves as the parent organization for its subsidiary, Somerset Savings Bank, SLA, a financial institution dedicated to providing commercial banking services. This bank offers a comprehensive selection of deposit accounts and credi...
How the Company Makes Money
SR Bancorp, Inc. generates earnings primarily through its banking subsidiary by (1) earning interest income on loans and other interest-earning assets and (2) paying interest on deposits and other funding sources, with the difference recorded as n...
SR Bancorp, Inc. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
55
Neutral
Cash Flow
67
Positive
| Breakdown | Jun 2025 | Jun 2024 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 51.27M | 50.05M | 38.37M | 17.38M | 14.78M |
| Gross Profit | 32.48M | 33.18M | 22.81M | 14.96M | 13.25M |
| EBITDA | 4.90M | 8.47M | -9.60M | 2.20M | 2.63M |
| Net Income | 3.35M | 5.14M | -10.86M | 1.55M | 1.87M |
Balance Sheet | |||||
| Total Assets | 1.19B | 1.08B | 1.02B | 651.49M | 648.63M |
| Cash, Cash Equivalents and Short-Term Investments | 3.84M | 58.02M | 45.93M | 78.55M | 83.22M |
| Total Debt | 67.78M | 33.21M | 2.40M | 20.02M | 0.00 |
| Total Liabilities | 1.01B | 890.63M | 821.36M | 529.40M | 530.40M |
| Stockholders Equity | 181.79M | 193.78M | 199.48M | 122.08M | 118.23M |
Cash Flow | |||||
| Free Cash Flow | 10.70M | 4.23M | -2.84M | 1.80M | 708.00K |
| Operating Cash Flow | 10.70M | 4.67M | -1.74M | 2.32M | 1.03M |
| Investing Cash Flow | -95.58M | -50.48M | 11.75M | 2.69M | -34.90M |
| Financing Cash Flow | 98.56M | 57.69M | -6.55M | 2.09M | 12.46M |
SR Bancorp, Inc. Technical Analysis
Negative
19.64
Price Trends
19.55
Negative
19.17
Negative
18.07
Positive
Market Momentum
-0.16
Positive
34.62
Neutral
16.65
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SRBK, the sentiment is Negative. The current price of 19.64 is above the 20-day moving average (MA) of 19.40, above the 50-day MA of 19.55, and above the 200-day MA of 18.07, indicating a neutral trend. The MACD of -0.16 indicates Positive momentum. The RSI at 34.62 is Neutral, neither overbought nor oversold. The STOCH value of 16.65 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SRBK.
SR Bancorp, Inc. Risk Analysis
SR Bancorp, Inc. disclosed 32 risk factors in its most recent earnings report. SR Bancorp, Inc. reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
SR Bancorp, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $185.21M | 10.68 | 11.79% | 2.20% | 9.50% | 46.27% | |
68 Neutral | $119.18M | 14.22 | 7.31% | 1.84% | -0.53% | 27.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $115.49M | 43.10 | 1.83% | ― | 21.45% | ― | |
56 Neutral | $114.10M | 8.81 | 14.72% | 6.26% | 10.15% | 28.62% | |
54 Neutral | $136.53M | 42.05 | 1.80% | 1.17% | 6.46% | 1.90% |
* Financial Sector Average
SRBK
SR Bancorp, Inc.
18.85
4.10
27.83%
SBFG
SB Financial Group
28.61
10.06
54.27%
UNB
Union Bankshares
23.00
-0.29
-1.26%
SFBC
Sound Financial Bancorp
44.65
-0.37
-0.82%
BSBK
Bogota Financial
9.05
-0.09
-0.98%
SR Bancorp, Inc. Corporate Events
Business Operations and StrategyDividends
SR Bancorp Declares Quarterly Dividend, Signals Financial Strength
Positive
Sep 17, 2026
On September 17, 2026, SR Bancorp, Inc., the holding company for Somerset Regal Bank, announced that its board had declared a quarterly cash dividend of $0.06 per share. The dividend is scheduled to be paid on October 15, 2026, to shareholders of ...
Business Operations and StrategyRegulatory Filings and Compliance
SR Bancorp addresses third-party customer data breach incident
Negative
Jul 10, 2026
Mercadien, P.C. CPAs, an internal audit service provider to SR Bancorp, Inc. and Somerset Regal Bank, discovered that an unauthorized actor accessed and obtained files from its servers containing names, Social Security numbers, account numbers, id...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.