SR Bancorp, Inc. (SRBK) AI Stock Analysis

• Market Cap: $134.23M
• Dividend Yield: 0.88%
• Average Volume (3M): 33.25K
• Price to Earnings (P/E): 35.8
• Beta (1Y): 0.36
• Revenue Growth: 9.43%
• EPS Growth: 166.36%
• Country: US
• Employees: 116
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.09
• Shares Outstanding: 8,335,468
• 10 Day Avg. Volume: 26,695
• 30 Day Avg. Volume: 33,252
• PEG Ratio: -0.16
• Price to Book (P/B): 0.59
• Price to Sales (P/S): 2.27
• P/FCF Ratio: 26.90
• Enterprise Value/Market Cap: 1.40
• Enterprise Value/Revenue: 3.68
• Enterprise Value/Gross Profit: 5.66
• Enterprise Value/Ebitda: 25.92
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: $17.00 ▲(1.55% Upside)
• Action: Reiterated Date: 03/19/26
• Date: Action: Reiterated 03/19/26

The score is led by improving financial performance (revenue growth and a rebound in profitability and cash generation), partially offset by weak near-term technical momentum and a high P/E with only a modest dividend yield. The recent dividend announcement adds a small positive.

Positive Factors

Multi-year revenue ramp

Sustained revenue growth over multiple years indicates the bank is scaling its franchise via loan and deposit expansion. A growing revenue base supports operating leverage, funds reinvestment into lending capacity and services, and reduces reliance on one-off items for earnings over the medium term.

Negative Factors

Modest returns on equity

ROE at low single-digit levels implies the business currently generates limited profit per dollar of capital. Persistently low ROE constrains the bank's ability to compound shareholder value, limits buffer for shock absorption, and makes capital allocation (dividends vs reinvestment) more challenging long term.

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...

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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...

How the Company Makes Money

SR Bancorp primarily earns money through its subsidiary bank’s net interest income and noninterest income. Net interest income is generated by originating and holding interest-earning assets—primarily loans (e.g., commercial real estate, residenti...

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SR Bancorp primarily earns money through its subsidiary bank’s net interest income and noninterest income. Net interest income is generated by originating and holding interest-earning assets—primarily loans (e.g., commercial real estate, residenti...

SR Bancorp, Inc. Financial Statement Overview

Breakdown	TTM	Jun 2024	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	51.00M	50.05M	38.37M	17.38M	14.78M	14.39M
Gross Profit	33.14M	33.18M	22.81M	14.96M	13.25M	11.98M
EBITDA	7.24M	8.47M	-9.60M	2.20M	2.63M	1.85M
Net Income	4.28M	5.14M	-10.86M	1.55M	1.87M	1.25M
Balance Sheet
Total Assets	1.14B	1.08B	1.02B	651.49M	648.63M	639.36M
Cash, Cash Equivalents and Short-Term Investments	3.93M	58.02M	45.93M	78.55M	83.22M	103.88M
Total Debt	55.57M	33.21M	2.40M	20.02M	0.00	0.00
Total Liabilities	954.51M	890.63M	821.36M	529.40M	530.40M	517.41M
Stockholders Equity	188.45M	193.78M	199.48M	122.08M	118.23M	121.94M
Cash Flow
Free Cash Flow	8.87M	4.23M	-2.84M	1.80M	708.00K	2.15M
Operating Cash Flow	9.12M	4.67M	-1.74M	2.32M	1.03M	2.39M
Investing Cash Flow	-52.88M	-50.48M	11.75M	2.69M	-34.90M	-71.95M
Financing Cash Flow	72.17M	57.69M	-6.55M	2.09M	12.46M	28.65M

SR Bancorp, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.74
• 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 16.74 is below the 20-day moving average (MA) of 16.97, below the 50-day MA of 16.97, and above the 200-day MA of 15.46, indicating a bullish trend. The MACD of 0.20 indicates Negative momentum. The RSI at 69.78 is Neutral, neither overbought nor oversold. The STOCH value of 93.06 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AFBI	66 Neutral	$135.98M	14.73	6.68%	―	5.18%	36.12%
SBFG	66 Neutral	$140.54M	10.15	10.29%	2.69%	10.78%	21.72%
SFBC	65 Neutral	$114.63M	15.59	6.70%	1.75%	2.85%	73.41%
SRBK	59 Neutral	$134.23M	35.78	1.57%	0.88%	9.43%	166.36%
UNB	53 Neutral	$112.68M	9.78	14.80%	6.08%	14.52%	27.90%
BSBK	50 Neutral	$110.59M	51.05	1.50%	―	-15.09%	―

SR Bancorp, Inc. Corporate Events