SR Bancorp, Inc. (SRBK) AI Stock Analysis

• Market Cap: $111.27M
• Dividend Yield: 1.48%
• Average Volume (3M): 93.97K
• Price to Earnings (P/E): 682.3
• Beta (1Y): 0.41
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 116
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.07
• Shares Outstanding: 8,996,835
• 10 Day Avg. Volume: 156,883
• 30 Day Avg. Volume: 93,971
• PEG Ratio: 0.17
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 48.94
• Enterprise Value/Market Cap: 0.59
• Enterprise Value/Revenue: 0.43
• Enterprise Value/Gross Profit: 1.86
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 69 Neutral
• 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. Business Overview & Revenue Model

Company Description

SR 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 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. 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

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

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

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.

Breakdown	TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	39.00M	38.37M	14.96M	13.25M	11.98M
Gross Profit	35.32M	38.37M	14.96M	13.25M	11.98M
EBITDA	0.00	0.00	0.00	0.00	0.00
Net Income	419.00K	-10.86M	1.55M	1.87M	1.25M
Balance Sheet
Total Assets	1.06B	1.02B	651.49M	648.63M	639.36M
Cash, Cash Equivalents and Short-Term Investments	4.41M	8.62M	78.55M	83.22M	103.88M
Total Debt	32.23M	2.40M	20.02M	0.00	0.00
Total Liabilities	866.36M	821.36M	20.02M	531.67M	0.00
Stockholders Equity	198.15M	199.48M	122.08M	118.23M	121.94M
Cash Flow
Free Cash Flow	4.71M	-2.84M	1.80M	708.00K	2.15M
Operating Cash Flow	5.60M	-1.74M	2.32M	1.03M	2.39M
Investing Cash Flow	-27.79M	11.75M	2.70M	-34.90M	-71.95M
Financing Cash Flow	-14.62M	-6.55M	2.09M	12.46M	28.65M

SR Bancorp, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.51
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PROV	74 Outperform	$103.36M	16.17	5.09%	3.59%	5.62%	-5.99%
SRBK	69 Neutral	$111.27M	682.32	-0.05%	1.48%	―	―
Sector *	67 Neutral	$17.07B	11.91	9.69%	3.75%	11.66%	-9.47%
FGBI	65 Neutral	$131.75M	67.33	1.58%	0.45%	14.47%	-73.50%
PBHC	64 Neutral	$92.74M	31.55	2.30%	2.65%	11.12%	53.85%
WMPN	53 Neutral	$113.45M	―	-0.81%	0.97%	2.25%	-261.40%
FNWB	43 Neutral	$76.75M	―	-10.46%	3.44%	10.02%	-1855.34%

SR Bancorp, Inc. Corporate Events

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.