A Business at a Glance
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SR Bancorp, Inc. SR Bancorp, Inc. (“SR Bancorp” or the “Company”) is a Maryland chartered company and the holding company for Somerset Regal Bank (the “Bank”). SR Bancorp’s primary business activity is the ownership of the outstanding common stock of Somerset Regal Bank. SR Bancorp does not own or lease any property but instead uses the premises, equipment and other property of Somerset Regal Bank with the payment of appropriate rental fees, as required by applicable law and regulations, under the terms of an expense allocation agreement. At June 30, 2025, SR Bancorp had total assets of $1.08 billion, deposits of $846.0 million and total stockholders' equity of $193.8 million. The Company became the holding company for Somerset Regal Bank as part of the mutual-to-stock conversion of Somerset Savings Bank, SLA as described below.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|---|
| Revenue | 30M | 30M | 29M | 14M | 13M |
| Net Income | 4.3M | 5.1M | -11M | 1.6M | 1.9M |
| EPS | $0.54 | $0.61 | $-1.59 | $0.17 | $0.20 |
| Free Cash Flow | 8.3M | 4.2M | -2.8M | 1.8M | 708K |
| ROIC | 0.0% | - | - | - | - |
| Gross Margin | - | - | - | - | - |
| Debt/Equity | 0.27 | 0.15 | 0.00 | 0.16 | 4.49 |
| Dividends/Share | $0.00 | $0.05 | - | - | - |
| Operating Income | 0 | - | - | - | - |
| Operating Margin | 0.0% | - | - | - | - |
| ROE | 2.3% | 2.6% | -5.4% | 1.3% | 1.6% |
| Shares Outstanding | 8M | 8M | 7M | 9M | 10M |
| Metric | 2022 | 2023 | |||
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | 13M | 14M | 29M | 30M | 30M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A |
| SG&A | 11M | 13M | 35M | 27M | 28M |
| EBIT | N/A | N/A | N/A | N/A | 0 |
| Op. Margin | N/A | N/A | N/A | N/A | 0.0% |
| Net Income | 1.9M | 1.6M | -11M | 5.1M | 4.3M |
| Net Margin | 14.1% | 11.3% | -36.8% | 17.3% | 14.2% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||
| ROIC | N/A | N/A | N/A | N/A | 0.0% |
| ROE | 1.6% | 1.3% | -5.4% | 2.6% | 2.3% |
| ROA | 0.3% | 0.2% | -1.1% | 0.5% | 0.4% |
| Cash Flow | |||||
| Op. Cash Flow | 1.0M | 2.3M | -1.7M | 4.7M | 9.1M |
| Free Cash Flow | 708K | 1.8M | -2.8M | 4.2M | 8.3M |
| Owner Earnings | 640K | 1.9M | -3.1M | 2.6M | 6.4M |
| CapEx | 327K | 516K | 1.1M | 433K | 820K |
| Maint. CapEx | 395K | 413K | 799K | 910K | 881K |
| Growth CapEx | 0 | 103K | 303K | 0 | 0 |
| D&A | 395K | 413K | 799K | 910K | 881K |
| CapEx/OCF | N/A | N/A | N/A | 9.3% | 9.0% |
| Capital Allocation | |||||
| Dividends Paid | 0 | 0 | 0 | 444K | 0 |
| Dividend Yield | N/A | N/A | N/A | 0.5% | N/A |
| Share Buybacks | 0 | 0 | 0 | 11M | 14M |
| Buyback Yield | N/A | N/A | N/A | 10.1% | 9.8% |
| Stock-Based Comp | N/A | N/A | 515K | 1.1M | 1.9M |
| Debt Repayment | 0 | 0 | 20M | 0 | -10.0M |
| Balance Sheet | |||||
| Net Debt | N/A | -59M | -55M | -32M | -36M |
| Cash & Equiv. | 35M | 42M | 46M | 58M | 86M |
| Long-Term Debt | N/A | N/A | N/A | N/A | 50M |
| Debt/Equity | 4.49 | 0.16 | 0.00 | 0.15 | 0.27 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A |
| Equity | 118M | 122M | 199M | 194M | 188M |
| Total Assets | 649M | 651M | 1.0B | 1.1B | 1.1B |
| Total Liabilities | 530M | 529M | 821M | 891M | 955M |
| Intangibles | N/A | N/A | 28M | 27M | 26M |
| Retained Earnings | 126M | 127M | 116M | 121M | 121M |
| Working Capital | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||
| EPS | 0.20 | 0.17 | -1.59 | 0.61 | 0.54 |
| Owner EPS | 0.07 | 0.20 | -0.45 | 0.31 | 0.76 |
| Book Value | 12.43 | 12.97 | 29.21 | 23.02 | 22.61 |
| Cash Flow/Share | 0.11 | 0.25 | -0.25 | 0.55 | 0.62 |
| Dividends/Share | N/A | N/A | N/A | 0.05 | 0.00 |
| Shares Out. | 9.5M | 9.4M | 6.8M | 8.4M | 8.3M |
| Valuation | |||||
| P/E Ratio | N/A | N/A | N/A | 21.9 | 32.9 |
| P/FCF | N/A | N/A | N/A | 26.6 | 17.8 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A |
| Price/Book | N/A | N/A | 0.3 | 0.6 | 0.8 |
| Price/Sales | N/A | N/A | 2.1 | 3.2 | 4.9 |
| FCF Yield | N/A | N/A | -4.6% | 3.8% | 5.6% |
| Market Cap | N/A | N/A | 62M | 112M | 148M |
| Avg. Price | N/A | N/A | 9.05 | 11.35 | 17.74 |
| Year-End Price | N/A | N/A | 9.12 | 13.36 | 17.74 |
SR Bancorp, Inc. passes 2 of 9 quality checks, indicating weak fundamentals.
SR Bancorp, Inc. trades at 32.9x trailing earnings, compared to its 15-year median P/E of 21.9x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 17.8x vs a median of 26.6x. Total shareholder yield (dividends + buybacks) is 10.1%. At current prices, the estimated annualized return to fair value is +75.0%.
SR Bancorp, Inc. (SRBK) has a current P/E ratio of 32.9, compared to its historical median P/E of 21.9. The stock is currently considered Expensive based on its historical valuation range.
SR Bancorp, Inc. (SRBK) has a market capitalization of $148M. It is classified as a small-cap stock.
Yes, SR Bancorp, Inc. (SRBK) pays a dividend with a trailing twelve-month yield of 0.30%. The company also returns capital through share buybacks, with a buyback yield of 9.78%.
Based on historical P/E analysis, SR Bancorp, Inc. (SRBK) appears expensive. The current P/E of 32.9 is 50% above its historical median of 21.9. The estimated fair value CAGR (P/E method) is -58.8%.
SR Bancorp, Inc. (SRBK) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
SR Bancorp, Inc. (SRBK) reported annual revenue of $30 million in its most recent fiscal year, based on SEC EDGAR filings.
SR Bancorp, Inc. (SRBK) has a net profit margin of 17.3%. This is a healthy margin.
SR Bancorp, Inc. (SRBK) generated $4 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
SR Bancorp, Inc. (SRBK) has a debt-to-equity ratio of 0.15. This indicates a conservatively financed balance sheet.
SR Bancorp, Inc. (SRBK) reported earnings per share (EPS) of $0.61 in its most recent fiscal year.
SR Bancorp, Inc. (SRBK) has a return on equity (ROE) of 2.6%. This indicates moderate shareholder returns.
The Ledger Terminal provides 4 years of financial data for SR Bancorp, Inc. (SRBK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
SR Bancorp, Inc. (SRBK) has a book value per share of $23.02, based on its most recent annual SEC filing.