tiprankstipranks
Trending News
More News >
SR Bancorp, Inc. (SRBK)
NASDAQ:SRBK
US Market

SR Bancorp, Inc. (SRBK) AI Stock Analysis

Compare
11 Followers

Top Page

SR

SR Bancorp, Inc.

(NASDAQ:SRBK)

Rating:69Neutral
Price Target:
$14.50
▲(7.33%Upside)
SR Bancorp's overall score is primarily driven by its solid financial fundamentals and a strong balance sheet, despite profitability challenges. Technical analysis indicates a moderately bullish trend, but valuation concerns due to a high P/E ratio temper enthusiasm. The positive corporate event of a dividend declaration further supports the stock's stability and shareholder value proposition.

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

SR Bancorp, Inc. Business Overview & Revenue Model

Company DescriptionSR 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 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. demonstrates robust revenue growth and operational efficiency, evidenced by high EBIT margins. However, profitability at the net level remains a concern with low net profit margins and ROE. The balance sheet is strong with low leverage, and cash flow improvements are promising, though past volatility could be a risk.
Income Statement
72
Positive
The company shows a solid gross profit margin of 100% due to the nature of its business. The net profit margin for the TTM is notably low at 0.98%, indicating challenges in profitability. However, the revenue growth rate from previous periods is strong, particularly with a significant increase between 2023 and 2024, suggesting robust revenue expansion. The EBIT margin is an impressive 73%, highlighting operational efficiency, though the absence of EBITDA metrics limits further analysis.
Balance Sheet
68
Positive
SR Bancorp maintains a low debt-to-equity ratio of 0.011, indicating limited financial leverage which is a positive indicator of financial health. The return on equity (ROE) is low at 0.21%, pointing to inefficient use of equity to generate profits. The equity ratio stands at 18.6%, showing a reasonable level of equity financing. Overall, the balance sheet reflects financial stability, but there is room for improvement in profitability metrics.
Cash Flow
65
Positive
The free cash flow growth rate is positive at 69.2% from 2023 to TTM, showing improvement in cash generation. The operating cash flow to net income ratio is 13.38 for TTM, indicating strong cash generation relative to net income. The free cash flow to net income ratio is 11.49, which is healthy. However, fluctuations in operating cash flow in previous periods suggest potential volatility.
BreakdownTTMJun 2024Jun 2023Jun 2022Jun 2021
Income Statement
Total Revenue39.00M38.37M14.96M13.25M11.98M
Gross Profit35.32M38.37M14.96M13.25M11.98M
EBITDA0.000.000.000.000.00
Net Income419.00K-10.86M1.55M1.87M1.25M
Balance Sheet
Total Assets1.06B1.02B651.49M648.63M639.36M
Cash, Cash Equivalents and Short-Term Investments4.41M8.62M78.55M83.22M103.88M
Total Debt32.23M2.40M20.02M0.000.00
Total Liabilities866.36M821.36M20.02M531.67M0.00
Stockholders Equity198.15M199.48M122.08M118.23M121.94M
Cash Flow
Free Cash Flow4.71M-2.84M1.80M708.00K2.15M
Operating Cash Flow5.60M-1.74M2.32M1.03M2.39M
Investing Cash Flow-27.79M11.75M2.70M-34.90M-71.95M
Financing Cash Flow-14.62M-6.55M2.09M12.46M28.65M

SR Bancorp, Inc. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price13.51
Price Trends
50DMA
13.08
Positive
100DMA
12.49
Positive
200DMA
11.94
Positive
Market Momentum
MACD
0.15
Negative
RSI
63.40
Neutral
STOCH
94.88
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 13.51 is above the 20-day moving average (MA) of 13.18, above the 50-day MA of 13.08, and above the 200-day MA of 11.94, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 63.40 is Neutral, neither overbought nor oversold. The STOCH value of 94.88 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
$103.36M16.175.09%3.59%5.62%-5.99%
69
Neutral
$111.27M682.32-0.05%1.48%
67
Neutral
$17.07B11.919.69%3.75%11.66%-9.47%
65
Neutral
$131.75M67.331.58%0.45%14.47%-73.50%
64
Neutral
$92.74M31.552.30%2.65%11.12%53.85%
53
Neutral
$113.45M-0.81%0.97%2.25%-261.40%
43
Neutral
$76.75M-10.46%3.44%10.02%-1855.34%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SRBK
SR Bancorp, Inc.
13.51
4.40
48.30%
PBHC
Pathfinder Bancorp
15.10
2.21
17.15%
PROV
Provident Financial Holdings
15.61
3.78
31.95%
FGBI
First Guaranty Bancshares
8.86
-0.07
-0.78%
FNWB
First Northwest Bancorp
8.13
-1.10
-11.92%
WMPN
William Penn Bancorp
12.32
0.91
7.98%

SR Bancorp, Inc. Corporate Events

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: Jun 24, 2025