SR Bancorp, Inc. (SRBK) AI Stock Analysis

• Market Cap: $119.51M
• Dividend Yield: 0.71%
• Average Volume (3M): 88.63K
• Price to Earnings (P/E): 732.8
• Beta (1Y): 0.40
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 116
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.07
• Shares Outstanding: 8,996,835
• 10 Day Avg. Volume: 46,060
• 30 Day Avg. Volume: 88,629
• PEG Ratio: 11.36
• Price to Book (P/B): 0.62
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 19.96
• Enterprise Value/Market Cap: 0.85
• Enterprise Value/Revenue: 0.59
• Enterprise Value/Gross Profit: 3.63
• Enterprise Value/Ebitda: 29.94
• 1Y Price Target: $13.50
• Price Target Upside: -6.96% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 57 Neutral
• 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. 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. 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

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

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

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.

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	38.37M	17.38M	14.78M	14.39M
Gross Profit	22.81M	14.96M	13.25M	11.98M
EBITDA	-9.60M	2.20M	2.63M	1.85M
Net Income	-10.86M	1.55M	1.87M	1.25M
Balance Sheet
Total Assets	1.02B	651.49M	648.63M	639.36M
Cash, Cash Equivalents and Short-Term Investments	45.93M	78.55M	83.22M	103.88M
Total Debt	2.40M	20.02M	0.00	0.00
Total Liabilities	821.36M	529.40M	531.67M	517.41M
Stockholders Equity	199.48M	122.08M	118.23M	121.94M
Cash Flow
Free Cash Flow	-2.84M	1.80M	708.00K	2.15M
Operating Cash Flow	-1.74M	2.32M	1.03M	2.39M
Investing Cash Flow	11.75M	2.70M	-34.90M	-71.95M
Financing Cash Flow	-6.55M	2.09M	12.46M	28.65M

SR Bancorp, Inc. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 14.51
• 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 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. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PROV	69 Neutral	$100.58M	16.33	4.84%	3.69%	2.53%	-12.02%
Sector *	68 Neutral	$17.09B	11.25	9.70%	3.80%	11.17%	-4.03%
PBHC	67 Neutral	$91.72M	31.55	2.30%	2.69%	11.12%	53.85%
FGBI	65 Neutral	$146.22M	64.97	1.58%	1.29%	14.47%	-73.50%
SRBK	57 Neutral	$119.51M	732.83	-0.05%	0.71%	―	―
FNWB	43 Neutral	$73.64M	―	-6.59%	3.57%	10.23%	-109.60%

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.