SR Bancorp, Inc. (SRBK)
NASDAQ:SRBK
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SR Bancorp, Inc.
(NASDAQ:SRBK)
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Rating:66Neutral
Price Target:
$20.00
▲(19.47% Upside)
Action:Reiterated
Date:05/22/26
The score is driven primarily by improving financial performance (revenue rebound, profitability back to positive, and solid cash conversion), tempered by earnings volatility and modest returns. Technicals are neutral with limited near-term momentum, valuation is a headwind due to the high P/E, while buyback and dividend announcements modestly support the overall outlook.
Positive Factors
Revenue rebound & profitability
A sharp TTM revenue rebound (+88%) and return to positive net margin (~9%) indicate the core community-banking business is regaining scale and pricing power. Durable revenue recovery supports sustained net interest income, loan capacity expansion, and ability to absorb fixed operating costs over the next several quarters.
Negative Factors
Earnings volatility
Historical earnings volatility, including a large 2024 loss, undermines predictability of future profitability and capital planning. For a community bank, this raises the risk that credit cycles, provisioning, or interest-rate shifts could quickly reverse recent improvements and pressure capital and dividend capacity.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue rebound & profitability
A sharp TTM revenue rebound (+88%) and return to positive net margin (~9%) indicate the core community-banking business is regaining scale and pricing power. Durable revenue recovery supports sustained net interest income, loan capacity expansion, and ability to absorb fixed operating costs over the next several quarters.
Read all positive factors
SR Bancorp, Inc. (SRBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$133.14M
Dividend Yield0.88%
Average Volume (3M)33.25K
Price to Earnings (P/E)35.2
Beta (1Y)0.34
Revenue Growth15.21%
EPS Growth2015.08%
CountryUS
Employees116
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.60
Shares Outstanding8,100,214
10 Day Avg. Volume26,695
30 Day Avg. Volume33,252
Financial Highlights & Ratios
PEG Ratio-0.16
Price to Book (P/B)0.59
Price to Sales (P/S)2.27
P/FCF Ratio26.90
Enterprise Value/Market Cap1.38
Enterprise Value/Revenue3.58
Enterprise Value/Gross Profit5.54
Enterprise Value/Ebitda27.58
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., 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, Inc. generates earnings primarily through its bank subsidiary by (1) earning net interest income and (2) collecting noninterest income, while incurring operating and funding costs.
1) Net interest income (core revenue driver): The ban...
SR Bancorp, Inc. Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
68
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Jun 2024 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 51.45M | 50.05M | 38.37M | 17.38M | 14.78M | 14.39M |
| Gross Profit | 33.27M | 33.18M | 22.81M | 14.96M | 13.25M | 11.98M |
| EBITDA | 6.68M | 8.47M | -9.60M | 2.20M | 2.63M | 1.85M |
| Net Income | 4.62M | 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 | 4.66M | 58.02M | 45.93M | 78.55M | 83.22M | 103.88M |
| Total Debt | 53.00M | 33.21M | 2.40M | 20.02M | 0.00 | 0.00 |
| Total Liabilities | 959.00M | 890.63M | 821.36M | 529.40M | 530.40M | 517.41M |
| Stockholders Equity | 184.45M | 193.78M | 199.48M | 122.08M | 118.23M | 121.94M |
Cash Flow | ||||||
| Free Cash Flow | 8.14M | 4.23M | -2.84M | 1.80M | 708.00K | 2.15M |
| Operating Cash Flow | 8.45M | 4.67M | -1.74M | 2.32M | 1.03M | 2.39M |
| Investing Cash Flow | -68.78M | -50.48M | 11.75M | 2.69M | -34.90M | -71.95M |
| Financing Cash Flow | 61.79M | 57.69M | -6.55M | 2.09M | 12.46M | 28.65M |
SR Bancorp, Inc. Technical Analysis
Positive
16.74
Price Trends
17.75
Positive
17.21
Positive
16.10
Positive
Market Momentum
0.05
Positive
49.49
Neutral
17.88
Positive
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 18.47, below the 50-day MA of 17.75, and above the 200-day MA of 16.10, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 49.49 is Neutral, neither overbought nor oversold. The STOCH value of 17.88 is Positive, 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 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $136.61M | 7.61 | 11.60% | 2.69% | 12.40% | 50.07% | |
70 Outperform | $137.07M | 14.85 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $109.24M | 17.77 | 6.70% | 1.75% | 0.38% | 50.01% | |
66 Neutral | $133.14M | 35.16 | 2.44% | 0.88% | 15.21% | 2015.08% | |
59 Neutral | $107.51M | 9.35 | 14.94% | 6.08% | 11.40% | 29.64% | |
54 Neutral | $108.88M | 37.94 | 1.50% | ― | 23.30% | ― |
* Financial Sector Average
SRBK
SR Bancorp, Inc.
18.29
5.22
39.89%
SBFG
SB Financial Group
21.50
2.58
13.62%
UNB
Union Bankshares
23.12
-6.04
-20.72%
AFBI
Affinity Bancshares
22.50
3.93
21.16%
SFBC
Sound Financial Bancorp
41.52
-8.36
-16.76%
BSBK
Bogota Financial
8.50
1.50
21.43%
SR Bancorp, Inc. Corporate Events
Business Operations and StrategyStock Buyback
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%...
Business Operations and StrategyExecutive/Board Changes
SR Bancorp Updates Executive Employment and Severance Arrangements
Neutral
Apr 24, 2026
On April 22, 2026, Somerset Regal Bank entered into amended and restated employment agreements with executives William Taylor, Christopher Pribula and David Orbach to align contract terms with recent title changes. The agreements set base salaries...
Dividends
SR Bancorp Declares Quarterly Dividend, Signals Ongoing Strength
Positive
Mar 19, 2026
On March 19, 2026, SR Bancorp, Inc., the Nasdaq-listed holding company for Somerset Regal Bank, said its board had declared a quarterly cash dividend of $0.05 per share. The dividend is scheduled to be paid on April 15, 2026 to stockholders of rec...
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.