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SR Bancorp, Inc.
(NASDAQ:SRBK)
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Rating:63Neutral
Price Target:
$20.00
▲(4.77% Upside)
Action:Downgraded
Date:07/11/26
The score is primarily driven by improving financial performance (strong TTM revenue rebound, return to profitability, and solid cash conversion), partially offset by earnings volatility and modest ROE. Technicals are mixed with longer-term support but neutral momentum, while valuation is a notable headwind due to the elevated P/E and modest yield. Corporate events are net mixed: buyback/dividend strength is tempered by data-breach risk.
Positive Factors
Revenue & Cash Conversion
A sharp TTM revenue rebound with return to profitability and free cash flow roughly matching net income indicates the franchise can generate internal cash to fund loans, capital returns and technology. Durable cash conversion reduces reliance on external funding and supports operational stability.
Negative Factors
Earnings Volatility
Historic earnings swings, including a material 2024 loss and margin compression, reduce predictability of cash flows and complicate capital planning. Persistent volatility can force higher loan-loss provisioning, constrain share repurchases, and erode confidence in long-term earnings power.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Cash Conversion
A sharp TTM revenue rebound with return to profitability and free cash flow roughly matching net income indicates the franchise can generate internal cash to fund loans, capital returns and technology. Durable cash conversion reduces reliance on external funding and supports operational stability.
Read all positive factors
SR Bancorp, Inc. (SRBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$143.49M
Dividend Yield1.07%
Average Volume (3M)33.25K
Price to Earnings (P/E)43.6
Beta (1Y)0.34
Revenue Growth6.46%
EPS Growth1.90%
CountryUS
Employees119
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.45
Shares Outstanding8,100,214
10 Day Avg. Volume26,695
30 Day Avg. Volume33,252
Financial Highlights & Ratios
PEG Ratio-1.67
Price to Book (P/B)0.77
Price to Sales (P/S)2.74
P/FCF Ratio0.00
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
Balance Sheet
Cash Flow
| 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 | 0.00 | 4.23M | -2.84M | 1.80M | 708.00K |
| Operating Cash Flow | 0.00 | 4.67M | -1.74M | 2.32M | 1.03M |
| Investing Cash Flow | 0.00 | -50.48M | 11.75M | 2.69M | -34.90M |
| Financing Cash Flow | 0.00 | 57.69M | -6.55M | 2.09M | 12.46M |
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 | $164.91M | 9.81 | 11.79% | 2.42% | 9.40% | 46.37% | |
75 Outperform | $121.20M | 15.04 | 7.31% | 1.78% | -0.54% | 27.58% | |
71 Outperform | $106.26M | 8.82 | 2.69% | 5.81% | 7.05% | 28.58% | |
71 Outperform | $140.18M | 16.31 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $143.49M | 43.61 | 1.80% | 1.10% | 6.46% | 1.90% | |
47 Neutral | $116.33M | 43.10 | 1.47% | ― | 21.45% | ― |
* Financial Sector Average
SRBK
SR Bancorp, Inc.
19.98
6.26
45.57%
SBFG
SB Financial Group
27.06
7.55
38.67%
UNB
Union Bankshares
23.58
-1.00
-4.05%
AFBI
Affinity Bancshares
23.00
4.20
22.34%
SFBC
Sound Financial Bancorp
46.75
1.53
3.38%
BSBK
Bogota Financial
8.93
0.63
7.59%
SR Bancorp, Inc. Corporate Events
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...
DividendsBusiness Operations and StrategyFinancial Disclosures
SR Bancorp Boosts Quarterly Dividend, Signals Earnings Strength
Positive
Jun 18, 2026
On June 18, 2026, SR Bancorp, Inc., the Nasdaq-listed parent of Somerset Regal Bank, reported that its board declared a quarterly cash dividend of $0.06 per share, up from $0.05, marking a 20% increase. The dividend is scheduled to be paid on July...
Stock BuybackBusiness Operations and Strategy
SR Bancorp Announces New 10% Stock Repurchase Program
Positive
May 21, 2026
On May 21, 2026, SR Bancorp, Inc., the Nasdaq-listed holding company for Somerset Regal Bank, authorized its third stock repurchase program since its mutual-to-stock conversion in September 2023. The new program permits the repurchase of up to 10%...
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.