SR Bancorp, Inc. (SRBK) Balance Sheet
SRBK balance sheet, FY2026
June 30, 2026 · U.S. dollars$1.19B assets = $1.01B liabilities + $181.8M equity
Both columns are drawn to the same scale: what SRBK owns equals what it owes plus shareholders’ equity. Hover a block for its value.
SRBK financial health
Descriptive bands, not a rating. Fiscal FY2026.
SRBK balance sheet trends, FY2021–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $639.4MFY2021 | $1.19BFY2026 | +13.2%/yr | |
| Total liabilities | $517.4MFY2021 | $1.01BFY2026 | +14.3%/yr | |
| Shareholders’ equity | $121.9MFY2021 | $181.8MFY2026 | +8.3%/yr | |
| Cash & short-term investments | $103.9MFY2021 | $3.8MFY2026 | −48.3%/yr | |
| Total debt | $20.0MFY2023 | $67.8MFY2026 | +50.2%/yr | |
| Net cash (debt) | $58.5MFY2023 | −$63.9MFY2026 | −$122.5M | |
| Working capital | −$405.1MFY2021 | $905.7MFY2026 | +$1.3B | |
| Book value per share | $12.83FY2021 | $24.47FY2026 | +13.8%/yr | |
| Debt / equity | 0.16FY2023 | 0.37FY2026 | +0.21 | |
| Shares outstanding | 9.5MFY2021 | 7.4MFY2026 | −4.8%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
SRBK assets
SRBK liabilities and equity
SRBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
SRBK balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Cash & short-term investments | $3.8M | $58.0M | $45.9M | $78.5M | $83.2M | $103.9M |
| Cash & equivalents | $3.8M | $57.8M | $45.9M | $42.4M | $35.3M | $56.8M |
| Short-term investments | — | $237,000 | $25,000 | $36.1M | $47.9M | $47.1M |
| Receivables | $904.7M | $3.1M | $2.7M | $1.2M | $1.1M | $1.0M |
| Inventory | $0 | $0 | −$725.9M | −$43.6M | −$36.4M | $0 |
| Other current assets | $0 | $0 | $725.9M | $43.6M | $36.4M | $0 |
| Total current assets | $908.5M | $61.1M | $48.6M | $79.7M | $84.3M | $104.9M |
| Property, plant & equipment (net) | $7.6M | $8.1M | $7.7M | $3.6M | $3.4M | $3.5M |
| Goodwill & intangible assets | $25.5M | $33.0M | $28.1M | $1.2M | $1.1M | $0 |
| Long-term investments | $0 | $141.9M | $158.3M | $207.3M | $240.8M | $240.4M |
| Other non-current assets | $247.8M | $840.3M | $778.0M | $359.7M | $319.1M | $290.6M |
| Total assets | $1.19B | $1.08B | $1.02B | $651.5M | $648.6M | $639.4M |
| Liabilities | ||||||
| Accounts payable | — | $223,000 | $149,000 | $0 | — | — |
| Short-term debt | — | $854,000 | $791,000 | — | — | — |
| Deferred revenue | — | — | $105.8M | — | — | — |
| Total current liabilities | $2.8M | $846.2M | $807.2M | $503.9M | $522.1M | $510.0M |
| Long-term debt | $0 | $30.0M | $0 | $20.0M | $0 | $0 |
| Lease obligations | — | $3.2M | $2.4M | $19,000 | — | — |
| Other long-term liabilities | $1.01B | $14.4M | $14.1M | $5.5M | $8.3M | $7.4M |
| Total liabilities | $1.01B | $890.6M | $821.4M | $529.4M | $530.4M | $517.4M |
| Shareholders' equity | ||||||
| Common stock & paid-in capital | $79,000 | $89,000 | $95,000 | — | — | — |
| Retained earnings (deficit) | $122.3M | $120.5M | $116.2M | $127.1M | $125.5M | $123.7M |
| Accumulated other comprehensive income | −$7.0M | −$1.0M | −$1.2M | −$5.0M | −$7.3M | −$1.7M |
| Total shareholders' equity | $181.8M | $193.8M | $199.5M | $122.1M | $118.2M | $121.9M |
| Key figures | ||||||
| Total debt | $67.8M | $33.2M | $2.4M | $20.0M | — | — |
| Net cash (debt) | −$63.9M | $24.8M | $43.5M | $58.5M | — | — |
| Working capital | $905.7M | −$785.2M | −$758.6M | −$424.2M | −$437.8M | −$405.1M |
| Tangible book value | $156.3M | $160.8M | $171.3M | $120.9M | $117.2M | $121.9M |
| Book value per share | $24.47 | $22.95 | $29.19 | $12.84 | $12.43 | $12.83 |
| Shares outstanding | 7.4M | 8.4M | 6.8M | 9.5M | 9.5M | 9.5M |
| Current ratio | 326.21 | 0.07 | 0.06 | 0.16 | 0.16 | 0.21 |
| Quick ratio | 326.21 | 0.07 | 0.06 | 0.16 | 0.16 | 0.21 |
| Debt / equity | 0.37 | 0.17 | 0.01 | 0.16 | — | — |
| Equity / assets | 15.3% | 17.9% | 19.5% | 18.7% | 18.2% | 19.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $3.8M | $4.7M | $82.1M | $58.5M | $58.0M | $62.2M | $53.5M | $47.3M | −$8.6M | $105.1M | $118.7M | $152.6M |
| Cash & equivalents | $3.8M | $4.7M | $81.8M | $58.3M | $57.8M | $62.2M | $53.4M | $47.3M | −$8.6M | $72.5M | $83.9M | $117.6M |
| Short-term investments | — | $5.2M | $233,000 | $235,000 | $237,000 | $0 | $30,000 | $27,000 | $25,000 | $32.7M | $34.8M | $35.0M |
| Receivables | $904.7M | $862.5M | $3.2M | $3.2M | $3.1M | $3.0M | $2.9M | $2.8M | $2.7M | $2.5M | $2.5M | $2.3M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $57.2M | $0 | $50.3M | $12.6M | −$123.4M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $54.5M | $0 | $0 | $123.4M |
| Total current assets | $908.5M | $867.2M | $85.3M | $61.7M | $61.1M | $65.2M | $56.3M | $50.1M | $48.6M | $107.6M | $121.2M | $154.9M |
| Property, plant & equipment (net) | $7.6M | $7.9M | $7.8M | $7.7M | $8.1M | $6.9M | $7.2M | $7.5M | $7.7M | $7.7M | $8.2M | $8.7M |
| Goodwill & intangible assets | $25.5M | $25.8M | $31.8M | $32.4M | $26.7M | $27.0M | $27.4M | $27.8M | $0 | $28.6M | $29.0M | $38.5M |
| Long-term investments | $0 | $134.8M | $140.8M | $138.3M | $141.9M | $145.4M | $148.8M | $152.5M | $158.3M | $194.5M | $200.0M | $204.0M |
| Other non-current assets | $247.8M | $107.8M | $877.3M | $870.0M | $846.6M | $829.3M | $824.7M | $815.0M | $806.2M | $714.4M | $716.5M | $702.4M |
| Total assets | $1.19B | $1.14B | $1.14B | $1.11B | $1.08B | $1.07B | $1.06B | $1.05B | $1.02B | $1.05B | $1.07B | $1.11B |
| Liabilities | ||||||||||||
| Accounts payable | — | $210,000 | $205,000 | $114,000 | $223,000 | $237,000 | $252,000 | $292,000 | $149,000 | $224,000 | $907,000 | $636,000 |
| Short-term debt | $2.8M | $3.0M | $2.8M | $630,000 | $854,000 | $30.8M | $31.0M | $906,000 | — | $872,000 | $1.0M | $410,000 |
| Deferred revenue | — | — | — | — | — | — | — | — | — | −$224,000 | −$907,000 | $226,000 |
| Total current liabilities | $2.8M | $3.0M | $891.7M | $869.7M | $846.2M | $835.8M | $824.3M | $819.7M | $108.2M | $838.3M | $844.2M | $877.9M |
| Long-term debt | $0 | $50.0M | $50.0M | $35.0M | $30.0M | $30.0M | $30.0M | $20.0M | $0 | $0 | $20.0M | $20.0M |
| Lease obligations | — | $3.0M | $2.8M | $3.0M | $3.2M | $2.0M | $2.2M | $2.4M | $2.4M | $2.9M | $3.1M | $3.5M |
| Other long-term liabilities | $1.00B | $906.0M | $12.8M | $13.4M | $14.4M | $13.0M | $12.0M | $12.7M | $713.2M | $15.3M | $12.7M | $16.0M |
| Total liabilities | $1.01B | $959.0M | $954.5M | $918.2M | $890.6M | $878.8M | $866.4M | $852.4M | $821.4M | $853.6M | $877.0M | $914.0M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $79,000 | $81,000 | $84,000 | $87,000 | $89,000 | $92,000 | $93,000 | $87,000 | $95,000 | $95,000 | $95,000 | $95,000 |
| Retained earnings (deficit) | $122.3M | $121.8M | $121.2M | $120.8M | $120.5M | $118.7M | $118.6M | $117.6M | $116.2M | $119.2M | $118.2M | $116.6M |
| Accumulated other comprehensive income | −$731,000 | −$1.0M | −$840,000 | −$713,000 | −$1.0M | −$1.4M | −$1.3M | −$880,000 | −$1.2M | −$4.4M | −$4.5M | −$6.1M |
| Total shareholders' equity | $181.8M | $184.4M | $188.5M | $191.9M | $193.8M | $195.1M | $198.1M | $200.5M | $199.5M | $199.3M | $198.0M | $194.5M |
| Key figures | ||||||||||||
| Total debt | $67.8M | $53.0M | $52.8M | $38.0M | $33.2M | $32.0M | $32.2M | $22.4M | $2.4M | $2.9M | $23.1M | $23.5M |
| Net cash (debt) | −$63.9M | −$48.3M | $29.3M | $20.5M | $24.8M | $30.2M | $21.2M | $24.9M | −$11.0M | $102.3M | $95.5M | $129.2M |
| Working capital | $905.7M | $864.2M | −$806.5M | −$808.0M | −$785.2M | −$770.6M | −$768.0M | −$769.6M | −$59.6M | −$730.6M | −$723.0M | −$723.0M |
| Tangible book value | $156.3M | $158.6M | $156.7M | $159.6M | $167.1M | $168.0M | $170.8M | $172.8M | $199.5M | $170.7M | $168.9M | $156.0M |
| Book value per share | $24.47 | $24.41 | $24.49 | $24.21 | $24.04 | $23.46 | $23.06 | $23.47 | $22.37 | $22.67 | $22.58 | $21.28 |
| Shares outstanding | 7.4M | 7.6M | 7.7M | 7.9M | 8.1M | 8.3M | 8.6M | 8.5M | 8.9M | 8.8M | 8.8M | 9.1M |
| Current ratio | 326.21 | 289.16 | 0.10 | 0.07 | 0.07 | 0.08 | 0.07 | 0.06 | 0.45 | 0.13 | 0.14 | 0.18 |
| Quick ratio | 326.21 | 289.16 | 0.10 | 0.07 | 0.07 | 0.08 | 0.07 | 0.06 | −0.05 | 0.13 | 0.14 | 0.18 |
| Debt / equity | 0.37 | 0.29 | 0.28 | 0.20 | 0.17 | 0.16 | 0.16 | 0.11 | 0.01 | 0.01 | 0.12 | 0.12 |
| Equity / assets | 15.3% | 16.1% | 16.5% | 17.3% | 17.9% | 18.2% | 18.6% | 19.0% | 19.5% | 18.9% | 18.4% | 17.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed September 25, 2026); data from EODHD.
SRBK financial position
At the end of fiscal 2026 (June 30, 2026), SR Bancorp had total assets of $1.2 billion (up 9.7% from a year earlier), total liabilities of $1.0 billion and shareholders' equity of $181.8 million. It held $3.8 million in cash and short-term investments against $67.8 million of debt, net debt of $63.9 million. Its current ratio was 326.21.
Related: SRBK income statement, SRBK cash flow statement, SRBK key metrics. See the SRBK stock overview for the latest quote and news.
SRBK balance sheet FAQ
What are SR Bancorp's total assets?
SR Bancorp reported total assets of $1.2 billion at the end of fiscal 2026 (June 30, 2026), compared with $1.1 billion a year earlier.
How much debt does SR Bancorp have?
SR Bancorp had $67.8 million of total debt at the end of fiscal 2026, including short-term borrowings. Its debt-to-equity ratio was 0.37.
How much cash does SR Bancorp have?
SR Bancorp held $3.8 million in cash and short-term investments at the end of fiscal 2026; with $67.8 million of debt that is net debt of $63.9 million.
What is SR Bancorp's book value?
SR Bancorp's shareholders' equity (book value) was $181.8 million at the end of fiscal 2026, or $24.47 per share.
What is SR Bancorp's current ratio?
SR Bancorp had current assets of $908.5 million and current liabilities of $2.8 million, a current ratio of 326.21 (it can cover its short-term obligations).
How much goodwill does SR Bancorp have?
SR Bancorp carried $25.5 million of goodwill and intangible assets, 2.1% of total assets, at the end of fiscal 2026.