SR Bancorp, Inc. (SRBK) AI Stock Analysis

SR Bancorp, Inc., operates as a financial institution specializing in commercial banking services through its subsidiary, Somerset Savings Bank, SLA. Serving individual and small business clients, the company offers a range of deposit and loan products tailored to meet diverse financial needs. Established in 1887 and headquartered in Bound Brook, New Jersey, the company maintains branch locations across Hunterdon, Middlesex, and Somerset Counties. With 115 employees, SR Bancorp focuses on prudent financial management, community engagement, and personalized customer-centric banking solutions across its local New Jersey communities.

Between FY2021 and FY2026, SR Bancorp generated a 5-year revenue compound annual growth rate of 28.9%. Annual revenue rose from $14.8M in FY2022 and $17.4M in FY2023 to $38.4M in FY2024, when it reported net income of -$10.9M and an operating margin of -30.7%. Results recovered in FY2025 with revenue reaching $50.0M and net income of $5.1M. In FY2026, revenue increased 2.4% to $51.3M, producing net income of $3.4M, an operating margin of 7.5%, and diluted EPS of $0.40. Over the trailing twelve months, revenue was $32.9M with a profit margin of 10.2%. For the latest quarter ended June 30, 2026, quarterly revenue rose 9.0% year-over-year while quarterly earnings fell 52.8%.

As of June 30, 2026, SR Bancorp held $3.8M in cash and short-term investments against total debt of $67.8M, resulting in net debt of $63.9M. Total assets stood at $1.19B and shareholders' equity was $181.8M, representing a debt-to-equity ratio of 0.37 and a current ratio of 326.21. In FY2026, the bank delivered $10.7M in operating cash flow and $9.4M in free cash flow after capital expenditures of $820,000. Capital was deployed into $16.0M of share buybacks and $1.7M in dividends paid, contributing to a 5-year share count change of -21.9%.

SR Bancorp trades at a trailing price-to-earnings multiple of 42.0x, above the 12.1x median of its US-listed Financial Services peers. Its price-to-sales ratio is 4.1x compared to the peer median of 3.2x, while its price-to-book ratio stands at 0.8x. The company carries an enterprise value of $131.2M and an EV-to-revenue multiple of 6.2x. Over the past year, the stock climbed 28.7%, outperforming the S&P 500 (SPY) return of 16.8%, and has logged a year-to-date return of 18.4%.

SR Bancorp pays an annual forward dividend of $0.24 per share, providing a dividend yield of 1.30%. The dividend is distributed on a quarterly schedule and represents a payout ratio of 55.4%. The company has maintained consecutive dividend payments for 2 years, with its latest ex-dividend date recorded on September 30, 2026.

One analyst covering SR Bancorp sets a mean price target of $19.00, representing a 2.9% premium over the last close of $18.46. For the current fiscal year ending December 31, 2026, estimates project revenue of $35.7M and EPS of $0.57. For the next fiscal year, estimates project revenue of $39.5M, reflecting 10.6% growth, and EPS of $0.82, reflecting 43.9% growth. The company beat EPS estimates in 1 of the last 4 quarters, with its next earnings release scheduled for October 29, 2026.

This page is an AI-written research summary of SR Bancorp, Inc. (SRBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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