SR Bancorp, Inc. (SRBK) stock analysis
Close on Nov 12, 2026Market cap $149.35MP/E 36.9Yield 1.12%
StockData Score
Prices as of Nov 11, 2026How the score works
Weak8 of 30 checks passed
SR Bancorp passes 8 of the 30 checks behind our score; 8 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 1/6
- Past performance
- 0/6
- Financial health
- 3/6
- Dividend
- 3/6
What stands out
Revenue growing 10%+ a year
Revenue grew 30.8% a year over the last three fiscal years.
Covered by free cash flow
Dividends take 17.1% of free cash flow.
Covered by earnings
Dividends take 50.4% of net income.
Well capitalized
Equity is 15.2% of total assets; 8% or more is a comfortable cushion.
What to watch
Margin of safety under 20%
The price is 37.8% above fair value, so there is no margin of safety.
Trading above fair value
The share price of $18.91 is above our fair value estimate of $13.72.
Return on equity under 15%
Return on equity was 1.8% over the last twelve months and averaged 0.1% over five years; we look for 15% on both.
P/E above the industry
SR Bancorp's P/E of 43.0 is above the Savings Institutions median of 13.7.
Valuation1/6
P/E against its history
Not enough price and earnings history to compare.
P/E above the industry
SR Bancorp's P/E of 43.0 is above the Savings Institutions median of 13.7.
P/S above the industry
SR Bancorp's price-to-sales of 4.48 is above the Savings Institutions median of 3.77.
P/B below the industry
SR Bancorp's price-to-book of 0.83 is below the Savings Institutions median of 1.04.
Trading above fair value
The share price of $18.91 is above our fair value estimate of $13.72.
Margin of safety under 20%
The price is 37.8% above fair value, so there is no margin of safety.
Growth1/6
Revenue growing 10%+ a year
Revenue grew 30.8% a year over the last three fiscal years.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew 0.4% over the last twelve months; the Savings Institutions median is 9.0%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance0/6
Return on equity under 15%
Return on equity was 1.8% over the last twelve months and averaged 0.1% over five years; we look for 15% on both.
Return on assets under 1%
Return on assets was 0.3%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
SR Bancorp's return on equity of 1.8% is below the Savings Institutions median of 6.1%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin below its 5-year average
Net margin was 10.0% over the last twelve months, against a 5-year average of 12.5%.
Net margin below the industry
SR Bancorp's net margin of 10.0% is below the Savings Institutions median of 20.3%.
Financial health3/6
Well capitalized
Equity is 15.2% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 97.3% of deposits, so lending is funded by customer deposits.
Thin loan-loss reserve
The allowance for credit losses is 0.7% of loans; we look for at least 1%.
High cost base
Non-interest expense takes 85.1% of revenue; under 60% is efficient for a bank.
Deposits growing
Deposits grew 9.5% over the past year.
Borrowings
Needs debt and equity figures.
Dividend3/6
Pays a dividend
SR Bancorp paid dividends worth 1.2% of the share price over the last twelve months.
Yield below Treasuries
The 1.2% yield is below the 4.4% on a 1-year Treasury.
Yield below the top quarter
The top quarter of US dividend payers yield 3.8% or more; SR Bancorp yields 1.2%.
Dividend stability
Fewer than five years of dividend history.
Covered by earnings
Dividends take 50.4% of net income.
Covered by free cash flow
Dividends take 17.1% of free cash flow.
Fair value
How we estimate itOur estimate per share
$13.72
The share price is 38% above this estimate.
| Method | Multiple used | Own 5Y median | Industry median | Value per share | Weight |
|---|---|---|---|---|---|
| P/E | 13.7× | – | 13.7× | $6.01 | 50% |
| P/B | 0.9× | 0.7× | 1.0× | $21.43 | 50% |
| Fair value | $13.72 | 100% | |||
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Savings Institutions median 13.7
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $565.38K
- Value traded per 1% price move
- $474.16K
Downside
Low risk
- Typical loss in a bad month
- 5.9%
- Volatility (annualized)
- 20%
- Sharpe ratio, 1 year
- 1.09
- Beta to the S&P 500 (5Y)
- 0.34
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2021 to 2026
Net margin
Growth rates
Compound annual growth to fiscal 2026
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +0.4% | +30.8% | – | – | |
| Net income | -34.7% | +29.2% | – | – | |
| EPS, diluted | -27.9% | – | – | – | |
| Free cash flow | +133.5% | +76.3% | – | – | |
| Dividend per share | +110.0% | – | – | – |
Returns and balance sheet
6 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2021 | FY2021 | FY2026 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 1.8% | |
| Return on assets | – | – | 0.3% | |
| Capex to revenue | – | – | 2.5% | |
| Diluted shares | – | – | 8M |
Where the cash went
Fiscal 2022 to 2026, five years combined
SR Bancorp generated $20.46M from operations and spent $32.68M on capital expenditure, dividends and share buybacks. 10% of that went back into the business.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2026 | 10.0% | 0.03× | 6.07× | 1.8% |
| FY2025 | 15.4% | 0.03× | 5.36× | 2.6% |
| FY2023 | 10.4% | 0.02× | 5.41× | 1.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2026 against fiscal 2025
- ProfitableNet income above zero$3.35M
- Cash generatingOperating cash flow above zero$10.70M
- Return on assets improvedROA up on the prior year0.5% → 0.3%
- Earnings backed by cashOperating cash flow above net income$10.70M vs $3.35M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03
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