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SR Bancorp, Inc. (SRBK)
NASDAQ:SRBK
US Market
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SR Bancorp, Inc. (SRBK) AI Stock Analysis

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SRBK

SR Bancorp, Inc.

(NASDAQ:SRBK)

Rating:57Neutral
Price Target:
$15.00
▲(3.38%Upside)
SR Bancorp demonstrates solid financial performance, characterized by strong revenue growth and a stable balance sheet, despite profitability challenges. The technical analysis indicates overbought conditions, suggesting potential short-term price declines. Valuation remains a significant concern due to the extremely high P/E ratio, although the dividend yield offers some compensation. The absence of significant earnings call data limits the analysis.

SR Bancorp, Inc. (SRBK) vs. SPDR S&P 500 ETF (SPY)

SR Bancorp, Inc. Business Overview & Revenue Model

Company DescriptionSR 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 MoneySR 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. displays solid financial fundamentals with strong revenue growth and a stable balance sheet. Despite recent profitability challenges reflected in negative net margins and ROE, the company shows significant improvement in cash flows, indicating potential for recovery. The low debt levels and strong equity provide a stable foundation to address profitability issues.
Income Statement
60
Neutral
SR Bancorp, Inc. has demonstrated strong revenue growth with a TTM (Trailing-Twelve-Months) revenue increase of 14.6% compared to the previous annual period. However, the net profit margin is negative at -0.24% in the TTM, indicating profitability challenges. The EBIT margin improved from the previous year's negative performance, now at 2.28%, but remains low. The EBITDA margin of 8.03% in the TTM shows some operational strength.
Balance Sheet
75
Positive
The company's balance sheet shows stability with a manageable debt-to-equity ratio of 0.16 and a healthy equity ratio of 18.16% in the TTM, indicating a solid capital structure. Return on equity is negative at -0.05%, reflecting recent profitability issues. Overall, the balance sheet is strong with significant equity backing and low leverage.
Cash Flow
70
Positive
SR Bancorp, Inc. has shown significant improvement in cash flow, with a positive operating cash flow to net income ratio of 70.94% in the TTM. The free cash flow has grown significantly from negative to positive, showing robust cash generation capabilities. However, cash flow volatility remains a risk due to fluctuating operating results.
BreakdownJun 2024Jun 2023Jun 2022Jun 2021
Income Statement
Total Revenue38.37M17.38M14.78M14.39M
Gross Profit22.81M14.96M13.25M11.98M
EBITDA-9.60M2.20M2.63M1.85M
Net Income-10.86M1.55M1.87M1.25M
Balance Sheet
Total Assets1.02B651.49M648.63M639.36M
Cash, Cash Equivalents and Short-Term Investments45.93M78.55M83.22M103.88M
Total Debt2.40M20.02M0.000.00
Total Liabilities821.36M529.40M531.67M517.41M
Stockholders Equity199.48M122.08M118.23M121.94M
Cash Flow
Free Cash Flow-2.84M1.80M708.00K2.15M
Operating Cash Flow-1.74M2.32M1.03M2.39M
Investing Cash Flow11.75M2.70M-34.90M-71.95M
Financing Cash Flow-6.55M2.09M12.46M28.65M

SR Bancorp, Inc. Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price14.51
Price Trends
50DMA
13.51
Positive
100DMA
12.88
Positive
200DMA
12.24
Positive
Market Momentum
MACD
0.27
Positive
RSI
52.82
Neutral
STOCH
47.24
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SRBK, the sentiment is Neutral. The current price of 14.51 is above the 20-day moving average (MA) of 14.22, above the 50-day MA of 13.51, and above the 200-day MA of 12.24, indicating a neutral trend. The MACD of 0.27 indicates Positive momentum. The RSI at 52.82 is Neutral, neither overbought nor oversold. The STOCH value of 47.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SRBK.

SR Bancorp, Inc. Risk Analysis

SR Bancorp, Inc. disclosed 37 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
69
Neutral
$100.58M16.334.84%3.69%2.53%-12.02%
68
Neutral
$17.09B11.259.70%3.80%11.17%-4.03%
67
Neutral
$91.72M31.552.30%2.69%11.12%53.85%
65
Neutral
$146.22M64.971.58%1.29%14.47%-73.50%
57
Neutral
$119.51M732.83-0.05%0.71%
43
Neutral
$73.64M-6.59%3.57%10.23%-109.60%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SRBK
SR Bancorp, Inc.
14.12
4.44
45.87%
PBHC
Pathfinder Bancorp
14.88
-0.29
-1.91%
PROV
Provident Financial Holdings
15.16
2.91
23.76%
FGBI
First Guaranty Bancshares
8.55
-1.71
-16.67%
FNWB
First Northwest Bancorp
7.84
-2.25
-22.30%

SR Bancorp, Inc. Corporate Events

Stock Buyback
SR Bancorp Announces New Stock Repurchase Program
Neutral
Jul 8, 2025

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.

Dividends
SR Bancorp Declares Cash Dividend for Shareholders
Positive
Jun 20, 2025

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.

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.Date of analysis: Jul 10, 2025