SR Bancorp, Inc. Common stock (SRBK)
Valuation Overview•Is SR Bancorp, Inc. Common stock Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
Moderate quality score of 55/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant profitability concerns.
Wall Street sentiment is generally neutral. This outlook is strongly supported by highly attractive capital returns, driven predominantly by aggressive share repurchases.
SRBK demonstrates adequate business quality with stable profitability. This is backed by a fortress balance sheet, holding significant net cash ($25M) and minimal debt risk.
The company maintains stable top-line performance paired with highly explosive earnings growth (45.0% EPS 3Y CAGR). Operating efficiency remains adequate with margins around 10.0%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $12.9M | +30.4% | — | — | — | |
| EBITDA | $1.7M | — | +47.7% | — | — | |
| Net Income | $834K | +147.3% | +40.0% | — | — | |
| EPS (Diluted) | $0.11 | +138.4% | +45.0% | — | — | |
| Free Cash Flow | $3.7M | +249.0% | +81.5% | — | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 65.0% | 70.6% | 76.9% | 76.9% |
| Operating Margin | 10.0% | -2.7% | 3.3% | 3.3% |
| Net Margin | 8.4% | -3.0% | 2.4% | 2.4% |
| FCF Margin | 17.4% | 3.8% | 6.2% | 6.2% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.10 | $0.11 | +10.0% | ||
| Q1'26 | $0.11 | $0.09 | -18.2% | ||
| Q4'25 | $0.09 | $0.09 | +0.0% | ||
| Q3'25 | — | $0.27 | — | ||
| Q2'25 | — | $0.06 | — | ||
| Q1'25 | — | $0.12 | — | ||
| Q4'24 | — | $-10.03 | — | ||
| Q4'24 | — | $0.16 | — |
Total return is +46.0% (1Y), outperforming the benchmark by +21.1%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +18.9% | +9.6% | — |
| 1Y | +46.0% | +21.1% | +1.5% |
| 3YCAGR | +27.2% | +7.7% | +2.7% |
| 5YCAGR | +15.5% | +3.1% | +2.7% |
| 10YCAGR | +7.5% | -6.1% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about SR Bancorp, Inc. Common stock (SRBK) valuation, health, and returns.
Based on peer relative multiples, SR Bancorp, Inc. Common stock appears Expensive versus peers compared to industry peers.
SR Bancorp, Inc. Common stock has multiple valuation anchors: Peer Relative Fair Value: $11.39. A convergence of these signals offers higher conviction.
SR Bancorp, Inc. Common stock displays fair financial health with a composite quality score of 55/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 2.1%.
SR Bancorp, Inc. Common stock pays a 0.3% dividend yield, covered by a 9% payout ratio with 1 years of growth, supplemented by a 8.0% buyback yield.
SR Bancorp, Inc. Common stock's current growth trajectory is Decelerating. The company achieved +30.4% 1Y revenue growth and +138.4% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for SR Bancorp, Inc. Common stock include: -8.3% 1-year max drawdown. Volatility risk is characterized by a beta of 0.35x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.