SR Bancorp, Inc. Common stock (SRBK) Financial Ratios
5 years of historical data (2020–2024) · Financial Services · Banks - Regional
EV/EBITDA
13.74
↑+30% vs avg
5yr avg: 10.56
30Y Low10.6·High10.6
P/FCF
33.31
↑+24% vs avg
5yr avg: 26.94
30Y Low26.9·High26.9
P/B Ratio
↑
0.82
↑+81% vs avg
5yr avg: 0.45
30Y Low0.3·High0.6
ROE
↑
2.6%
↓+4995% vs avg
5yr avg: -0.1%
30Y Low-7%·High3%
Debt/EBITDA
↓
3.92
↓-40% vs avg
5yr avg: 6.52
30Y Low3.9·High9.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SRBK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
SR Bancorp, Inc. Common stock trades at 30.9x earnings, 39% above its 5-year average of 22.1x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 127%. On a free-cash-flow basis, the stock trades at 33.3x P/FCF, 24% above the 5-year average of 26.9x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Market Cap | $141M | $114M | $63M | — | — | — |
| Enterprise Value | $116M | $89M | $20M | — | — | — |
| P/E Ratio → | 30.87 | 22.13 | — | — | — | — |
| P/S Ratio | 2.82 | 2.28 | 1.65 | — | — | — |
| P/B Ratio | 0.82 | 0.59 | 0.32 | — | — | — |
| P/FCF | 33.31 | 26.94 | — | — | — | — |
| P/OCF | 30.22 | 24.44 | — | — | — | — |
P/E links to full P/E history page with 30-year chart
SRBK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
SR Bancorp, Inc. Common stock's enterprise value stands at 13.7x EBITDA, 30% above its 5-year average of 10.6x. The Financial Services sector median is 11.4x, placing the stock at a 21% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.79 | 0.51 | — | — | — |
| EV / EBITDA | 13.74 | 10.56 | — | — | — | — |
| EV / EBIT | 19.00 | 14.60 | — | — | — | — |
| EV / FCF | — | 21.13 | — | — | — | — |
SRBK Profitability
Margins and return-on-capital ratios measuring operating efficiency
SR Bancorp, Inc. Common stock earns an operating margin of 12.2%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 10.4% to 12.2% over the past 3 years, signaling improving operational efficiency. ROE of 2.6% is modest, trailing the sector median of 9.0%. ROIC of 2.1% represents below-average returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Gross Margin | 66.3% | 66.3% | 59.5% | 86.0% | 89.6% | 83.2% |
| Operating Margin | 12.2% | 12.2% | -30.7% | 10.4% | 15.1% | 9.7% |
| Net Profit Margin | 10.3% | 10.3% | -28.3% | 8.9% | 12.7% | 8.7% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| ROE | 2.6% | 2.6% | -6.8% | 1.3% | 1.6% | 1.0% |
| ROA | 0.5% | 0.5% | -1.3% | 0.2% | 0.3% | 0.2% |
| ROIC | 2.1% | 2.1% | -5.1% | 1.0% | 1.4% | 0.9% |
| ROCE | 2.7% | 2.7% | -6.5% | 1.3% | 1.7% | 1.1% |
SRBK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
SR Bancorp, Inc. Common stock carries a Debt/EBITDA ratio of 3.9x, which is moderately leveraged (8% below the sector average of 4.3x). The company holds a net cash position — cash of $58M exceeds total debt of $33M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.17 | 0.01 | 0.16 | — | — |
| Debt / EBITDA | 3.92 | 3.92 | — | 9.11 | — | — |
| Net Debt / Equity | — | -0.13 | -0.22 | -0.18 | -0.30 | -0.47 |
| Net Debt / EBITDA | -2.90 | -2.90 | — | -10.21 | -13.44 | -30.73 |
| Debt / FCF | — | -5.81 | — | -12.43 | -49.92 | -26.45 |
| Interest Coverage | 0.37 | 0.37 | -1.02 | 0.74 | 1.46 | 0.58 |
Net cash position: cash ($58M) exceeds total debt ($33M)
SRBK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.07x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.16x to 0.07x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Current Ratio | 0.07 | 0.07 | 0.06 | 0.16 | 0.16 | 0.21 |
| Quick Ratio | 0.07 | 0.07 | 0.06 | 0.16 | 0.16 | 0.21 |
| Cash Ratio | 0.07 | 0.07 | 0.06 | 0.08 | 0.07 | 0.11 |
| Asset Turnover | — | 0.05 | 0.04 | 0.03 | 0.02 | 0.02 |
| Inventory Turnover | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — |
SRBK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
SR Bancorp, Inc. Common stock returns 8.3% to shareholders annually — split between a 0.3% dividend yield and 8.0% buyback yield. The payout ratio of 8.6% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 3.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Dividend Yield | 0.3% | — | — | — | — | — |
| Payout Ratio | 8.6% | 8.6% | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Earnings Yield | 3.2% | 4.5% | — | — | — | — |
| FCF Yield | 3.0% | 3.7% | — | — | — | — |
| Buyback Yield | 8.0% | — | — | — | — | — |
| Total Shareholder Yield | 8.3% | — | — | — | — | — |
| Shares Outstanding | — | $8M | $7M | $10M | $10M | $10M |
Peer Comparison
Compare SRBK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SRBKYou | $141M | 30.9 | 13.7 | 33.3 | 66.3% | 12.2% | 2.6% | 2.1% | 3.9 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 MNSB | $176M | 13.6 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NECB | $356M | 7.9 | 5.5 | 7.0 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 NFBK | $602M | 727.8 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 OCFC | $1B | 15.4 | 27.2 | 13.0 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 KRNY | $533M | 20.2 | 45.2 | 24.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 BWFG | $448M | 12.6 | 7.7 | 17.1 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 CHMG | $341M | 22.7 | 14.3 | 7.7 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 FHN | $12B | 13.2 | 11.9 | 12.9 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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SRBK — Frequently Asked Questions
Quick answers to the most common questions about buying SRBK stock.
What is SR Bancorp, Inc. Common stock's P/E ratio?
SR Bancorp, Inc. Common stock's current P/E ratio is 30.9x. The historical average is 22.1x. This places it at the 100th percentile of its historical range.
What is SR Bancorp, Inc. Common stock's EV/EBITDA?
SR Bancorp, Inc. Common stock's current EV/EBITDA is 13.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.6x.
What is SR Bancorp, Inc. Common stock's ROE?
SR Bancorp, Inc. Common stock's return on equity (ROE) is 2.6%. The historical average is -0.1%.
Is SRBK stock overvalued?
Based on historical data, SR Bancorp, Inc. Common stock is trading at a P/E of 30.9x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is SR Bancorp, Inc. Common stock's dividend yield?
SR Bancorp, Inc. Common stock's current dividend yield is 0.28% with a payout ratio of 8.6%.
What are SR Bancorp, Inc. Common stock's profit margins?
SR Bancorp, Inc. Common stock has 66.3% gross margin and 12.2% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does SR Bancorp, Inc. Common stock have?
SR Bancorp, Inc. Common stock's Debt/EBITDA ratio is 3.9x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.