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SR Bancorp, Inc. Common stock(SRBK)Earnings, Financials & Key Ratios
SRBK•NASDAQ•Banking & Credit
30.9× P/E·Price updated Jun 19, 2026
AboutSR 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 Somerset Counties, New Jersey. The company was founded in 1887 and is based in Bound Brook, New Jersey.Show more
- Net Interest Income$30M+0.7%
- Total Revenue$50M+30.4%
- Net Income$5M+147.3%
- Return on Equity2.61%+138.7%
- Net Interest Margin2.73%-5.2%
- Efficiency Ratio54.06%-40.0%
- ROA0.49%+137.6%
- Equity / Assets17.87%-8.6%
- Book Value per Share22.95-21.4%
SRBK Key Insights
SR Bancorp, Inc. Common stock (SRBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 54.1% efficiency ratio
- ✓Well capitalized: 17.9% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 0.8x book value
✗Weaknesses
- ✗Shares diluted 23.6% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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SRBK Price & Volume
SR Bancorp, Inc. Common stock (SRBK) stock price & volume — 10-year historical chart
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SRBK Growth Metrics
SR Bancorp, Inc. Common stock (SRBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years50.16%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years40.02%
TTM920.29%
EPS CAGR
10 Years-
5 Years-
3 Years45.02%
TTM803.33%
Return on Capital
10 Years0.07%
5 Years0.07%
3 Years-0.83%
Last Year2.71%
SRBK Recent Earnings
SR Bancorp, Inc. Common stock (SRBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (33%)●Beat Revenue 0/12 qtrs (0%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.11+10.0%
$0.10
Rev
$8M-1.7%
$9M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.09-18.2%
$0.11
Rev
$8M-1.5%
$9M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.09+0.0%
$0.09
Rev
$8M-0.5%
$8M
Q4 2025
Sep 29, 2025Metric
Actual
Est
EPS
$0.27
—
Rev
$14M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.11vs $0.10+10.0% | $8Mvs $9M-1.7% |
| Q1 2026 | Jan 28, 2026 | $0.09vs $0.11-18.2% | $8Mvs $9M-1.5% |
| Q4 2025 | Oct 30, 2025 | $0.09vs $0.09+0.0% | $8Mvs $8M-0.5% |
| Q4 2025 | Sep 29, 2025 | $0.27 | $14M |
Based on last 12 quarters of dataView full earnings history →
SRBK Peer Comparison
SR Bancorp, Inc. Common stock (SRBK) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 MNSB | 175.75M | 23.86 | 13.56 | -1.44% | 11.53% | 7.26% | 0.32 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 NECB | 356.09M | 25.74 | 7.92 | -1.55% | 28.41% | 13.07% | 0.21 | |
 NFBK | 601.82M | 14.41 | 727.78 | -26.69% | 0.3% | 0.11% | 1.44 | |
 OCFC | 1.03B | 18.03 | 15.41 | -4.7% | 10.75% | 4.26% | 0.98 | |
 KRNY | 532.62M | 8.47 | 20.17 | 5.09% | 9.41% | 4.31% | 1.68 | |
 BWFG | 447.93M | 56.18 | 12.62 | 6.13% | 16.95% | 12.21% | 0.60 |
Compare SRBK vs Peers
SR Bancorp, Inc. Common stock (SRBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SRBK Income Statement
SR Bancorp, Inc. Common stock (SRBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|
Net Interest Income | 10.77M | 11.9M | 13.69M | 29.37M | 29.58M | 30.13M |
NII Growth % | - | 10.52% | 15.08% | 114.53% | 0.71% | -10.2% |
Net Interest Margin % | 1.68% | 1.83% | 2.1% | 2.88% | 2.73% | 2.64% |
Interest Income | 13.18M | 13.43M | 16.12M | 40.87M | 46.31M | 47.55M |
Interest Expense | 2.42M | 1.53M | 2.43M | 11.49M | 16.73M | 17.41M |
Loan Loss Provision | 0 | 0 | 0 | 4.07M | 133K | 446K |
Non-Interest Income | 1.21M | 1.35M | 1.26M | -2.49M | 3.73M | 3.46M |
Non-Interest Income % | 8.42% | 9.14% | 7.28% | -6.49% | 7.46% | 6.78% |
Total Revenue | 14.39M▲ 0% | 14.78M▲ 2.7% | 17.38M▲ 17.6% | 38.37M▲ 120.7% | 50.05M▲ 30.4% | 51M▲ 0% |
Revenue Growth % | - | 2.72% | 17.59% | 120.74% | 30.42% | 87.71% |
Non-Interest Expense | 10.58M | 11.01M | 13.15M | 34.58M | 27.05M | 28.06M |
Efficiency Ratio | 73.53% | 74.5% | 75.66% | 90.12% | 54.06% | 55.02% |
Operating Income | 1.4M▲ 0% | 2.23M▲ 60.1% | 1.8M▼ 19.3% | -11.77M▼ 752.7% | 6.13M▲ 152.1% | 5.08M▲ 0% |
Operating Margin % | 9.69% | 15.11% | 10.37% | -30.67% | 12.24% | 9.97% |
Operating Income Growth % | - | 60.14% | -19.29% | -752.75% | 152.06% | - |
Pretax Income | 1.4M▲ 0% | 2.23M▲ 60.1% | 1.8M▼ 19.3% | -11.77M▼ 752.7% | 6.13M▲ 152.1% | 5.04M▲ 0% |
Pretax Margin % | 9.69% | 15.11% | 10.37% | -30.67% | 12.24% | 9.87% |
Income Tax | 145K | 363K | 250K | -909K | 991K | 760K |
Effective Tax Rate % | 10.39% | 16.25% | 13.87% | 7.72% | 16.17% | 15.09% |
Net Income | 1.25M▲ 0% | 1.87M▲ 49.7% | 1.55M▼ 17.0% | -10.86M▼ 799.3% | 5.14M▲ 147.3% | 4.28M▲ 0% |
Net Margin % | 8.69% | 12.66% | 8.93% | -28.3% | 10.26% | 8.38% |
Net Income Growth % | - | 49.68% | -17% | -799.29% | 147.29% | 920.29% |
Net Income (Continuing) | 1.25M | 1.87M | 1.55M | -10.86M | 5.14M | 4.28M |
EPS (Diluted) | 0.13▲ 0% | 0.20▲ 53.8% | 0.16▼ 20.0% | -1.59▼ 1093.8% | 0.61▲ 138.4% | 0.56▲ 0% |
EPS Growth % | - | 53.85% | -20% | -1093.75% | 138.36% | 803.33% |
EPS (Basic) | 0.13 | 0.20 | 0.16 | -1.59 | 0.61 | - |
Diluted Shares Outstanding | 9.51M | 9.51M | 9.51M | 6.83M | 8.44M | 7.69M |
SRBK Balance Sheet
SR Bancorp, Inc. Common stock (SRBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|
Cash & Short Term Investments | 103.88M | 83.22M | 78.55M | 45.93M | 58.02M | 260.86M |
Cash & Due from Banks | 56.75M | 35.34M | 42.45M | 45.91M | 57.78M | 81.84M |
Short Term Investments | 47.13M | 47.88M | 36.1M | 25K | 237K | 233K |
Total Investments | 547.17M | 575.34M | 569.54M | 888.03M | 939.05M | 976.21M |
Investments Growth % | - | 5.15% | -1.01% | 55.92% | 5.75% | 19.83% |
Long-Term Investments | 500.05M | 527.46M | 533.44M | 888M | 938.81M | 3.81B |
Accounts Receivables | 1.04M | 1.07M | 1.19M | 2.69M | 3.07M | 3.2M |
Goodwill & Intangibles | 0 | 0 | 0 | 28.14M | 26.71M | 26.09M |
Goodwill | 0 | 0 | 0 | 20.42M | 26.71M | 26.09M |
Intangible Assets | 0 | 0 | 0 | 7.72M | 0 | 0 |
PP&E (Net) | 3.51M | 3.44M | 3.56M | 7.73M | 8.1M | 7.78M |
Other Assets | 30.88M | 33.44M | 34.75M | 48.34M | 49.7M | 47.84M |
Total Current Assets | 104.92M | 84.29M | 79.74M | 48.63M | 61.09M | 85.28M |
Total Non-Current Assets | 534.44M | 564.34M | 571.75M | 972.22M | 1.02B | 1.06B |
Total Assets | 639.36M▲ 0% | 648.63M▲ 1.5% | 651.49M▲ 0.4% | 1.02B▲ 56.7% | 1.08B▲ 6.2% | 1.14B▲ 0% |
Asset Growth % | - | 1.45% | 0.44% | 56.69% | 6.23% | 21.03% |
Return on Assets (ROA) | 0.2% | 0.29% | 0.24% | -1.3% | 0.49% | 0.39% |
Accounts Payable | 0 | 0 | 0 | 149K | 223K | 205K |
Total Debt | 0 | 0 | 20.02M | 2.4M | 33.21M | 52.78M |
Net Debt | -56.75M | -35.34M | -22.43M | -43.51M | -24.57M | -29.06M |
Long-Term Debt | 0 | 0 | 20M | 0 | 30M | 50M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 7.42M | 8.33M | 5.47M | 11.71M | 11.17M | 9.98M |
Total Current Liabilities | 509.99M | 522.07M | 503.92M | 807.25M | 846.25M | 891.75M |
Total Non-Current Liabilities | 7.42M | 8.33M | 25.48M | 14.11M | 44.38M | 62.77M |
Total Liabilities | 517.41M | 530.4M | 529.4M | 821.36M | 890.63M | 954.51M |
Total Equity | 121.94M▲ 0% | 118.23M▼ 3.0% | 122.08M▲ 3.3% | 199.48M▲ 63.4% | 193.78M▼ 2.9% | 188.45M▲ 0% |
Equity Growth % | - | -3.04% | 3.26% | 63.4% | -2.86% | -14.16% |
Equity / Assets (Capital Ratio) | 19.07% | 18.23% | 18.74% | 19.54% | 17.87% | 16.49% |
Return on Equity (ROE) | 1.03% | 1.56% | 1.29% | -6.75% | 2.61% | 2.22% |
Book Value per Share | 12.83 | 12.43 | 12.84 | 29.19 | 22.95 | 24.49 |
Tangible BV per Share | 12.83 | 12.43 | 12.84 | 25.07 | 19.79 | 21.10 |
Common Stock | 0 | 0 | 0 | 95K | 89K | 84K |
Additional Paid-in Capital | 0 | 0 | 0 | 91.44M | 80.84M | 74.43M |
Retained Earnings | 123.67M | 125.55M | 127.1M | 116.2M | 120.5M | 121.24M |
Accumulated OCI | -1.73M | -7.32M | -5.01M | -1.22M | -1M | -840K |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 |
SRBK Cash Flow Statement
SR Bancorp, Inc. Common stock (SRBK) cash flow — operating, investing & free cash flow history
| Metric | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|
Cash from Operations | 2.39M | 1.03M | 2.32M | -1.74M | 4.67M | 9.12M |
Operating CF Growth % | - | -56.62% | 124.15% | -174.96% | 368.26% | 421.87% |
Net Income | 1.25M | 1.87M | 1.55M | -10.86M | 5.14M | 4.28M |
Depreciation & Amortization | 452K | 395K | 394K | 2.17M | 2.34M | 2.17M |
Deferred Taxes | -6K | 264K | -366K | -1.4M | -298K | -259K |
Other Non-Cash Items | 876K | 507K | 591K | 7.31M | -4.18M | -32K |
Working Capital Changes | -186K | -2M | 148K | 515K | 558K | 1.09M |
Cash from Investing | -71.95M | -34.9M | 2.69M | 11.75M | -50.48M | -52.88M |
Purchase of Investments | -154.83M | -54.79M | -894K | 0 | 0 | -6M |
Sale/Maturity of Investments | 63.76M | 48.47M | 32.39M | 64.19M | 14M | 6.77M |
Net Investment Activity | -91.07M | -6.32M | 31.5M | 64.19M | 14M | 774K |
Acquisitions | 0 | 0 | 0 | -14.24M | 0 | 0 |
Other Investing | 19.36M | -28.26M | -28.29M | -37.09M | -64.05M | -53.4M |
Cash from Financing | 28.65M | 12.46M | 2.09M | -6.55M | 57.69M | 72.17M |
Dividends Paid | 0 | 0 | 0 | 0 | -444K | -1.28M |
Share Repurchases | 0 | 0 | 0 | 0 | -11.32M | -14.46M |
Stock Issued | 0 | 0 | 0 | 79.45M | 0 | 0 |
Net Stock Activity | 0 | 0 | 0 | 79.45M | -11.32M | -14.46M |
Debt Issuance (Net) | 0 | 1000K | 1000K | -1000K | 1000K | 2M |
Other Financing | 28.65M | 382K | -17.91M | -66M | 39.46M | 69.58M |
Net Change in Cash | -40.91M▲ 0% | -21.41M▲ 47.7% | 7.11M▲ 133.2% | 3.46M▼ 51.3% | 11.87M▲ 243.1% | 28.42M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 97.66M | 56.75M | 35.34M | 42.45M | 45.91M | 58.3M |
Cash at End | 56.75M | 35.34M | 42.45M | 45.91M | 57.78M | 81.84M |
Interest Paid | 2.42M | 1.53M | 2.43M | 9.58M | 15.47M | 12.11M |
Income Taxes Paid | 100K | 370K | 0 | 475K | 0 | -100K |
Free Cash Flow | 2.15M▲ 0% | 708K▼ 67.0% | 1.8M▲ 154.8% | -2.84M▼ 257.5% | 4.23M▲ 249.0% | 8.87M▲ 0% |
FCF Growth % | - | -67.01% | 154.8% | -257.48% | 248.96% | 6520.9% |
SRBK Banking Ratios
SR Bancorp, Inc. Common stock (SRBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|
Return on Equity (ROE) | 1.56% | 1.29% | -6.75% | 2.61% | 2.22% |
Return on Assets (ROA) | 0.29% | 0.24% | -1.3% | 0.49% | 0.39% |
Net Interest Margin | 1.83% | 2.1% | 2.88% | 2.73% | 2.64% |
Efficiency Ratio | 74.5% | 75.66% | 90.12% | 54.06% | 55.02% |
Equity / Assets | 18.23% | 18.74% | 19.54% | 17.87% | 16.49% |
Book Value / Share | 12.43 | 12.84 | 29.19 | 22.95 | 24.49 |
NII Growth | 10.52% | 15.08% | 114.53% | 0.71% | -2.92% |
Dividend Payout | - | - | - | 8.64% | 29.92% |
Related:SRBK Dividend History·SRBK Revenue History·SRBK Price History·SRBK P/E History·SRBK Financial Ratios·SRBK Institutional Holders
SRBK SEC Filings & Documents
SR Bancorp, Inc. Common stock (SRBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
SRBK Frequently Asked Questions
SR Bancorp, Inc. Common stock (SRBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
SR Bancorp, Inc. Common stock (SRBK) grew revenue by 30.4% over the past year. This is strong growth.
Yes, SR Bancorp, Inc. Common stock (SRBK) is profitable, generating $4.3M in net income for fiscal year 2024 (10.3% net margin).
Dividend & Returns
Yes, SR Bancorp, Inc. Common stock (SRBK) pays a dividend with a yield of 0.28%. This makes it attractive for income-focused investors.
SR Bancorp, Inc. Common stock (SRBK) has a return on equity (ROE) of 2.6%. This is below average, suggesting room for improvement.
Industry Metrics
SR Bancorp, Inc. Common stock (SRBK) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.
SR Bancorp, Inc. Common stock (SRBK) has an efficiency ratio of 54.1%. This is excellent, indicating strong cost control.