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SR Bancorp, Inc. SRBK R2K

Financial Services · Banks - Regional · United States
https://www.somersetregalbank.com

SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. The company provides deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit; business checking accounts for small businesses; and bill payment services through its online banking system. It also offers loans comprising one- to four family-residential mortgage, commercial real estate, multi-family, commercial and industrial, consumer, home equity, unsecured personal, and rehabilitation loans; and lines of credit. In addition, the company is involved in the investment activities. SR Bancorp, Inc. was founded in 1887 and is based in Bound Brook, New Jersey.

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$18.79
+48.64% 1Y

Market & Price

Market Cap
$139.70M
Current Price
$18.79
High / Low (52W)
$19.31 / $12.20
Beta
0.65

Valuation

Stock P/E
32.40
Industry PE
12.01
Forward P/E
22.91
PEG Ratio
-
Book Value
$24.99
Price to Book
0.75
P/S
4.34
EV/EBITDA
-
Dividend Yield
1.06%

Profitability & Returns

ROCE
-
ROE
2.44%
ROA
0.42%
Profit Margin
14.37%
Op Margin
15.57%
EPS (Latest Qtr)
$0.12
EPS (TTM)
$0.58

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$53.00M
Total Assets
$1.08B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
17.55%
Chg in Prom Hold
-
FII / Inst Holding
33.27%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$128.02M
Total Revenue (TTM)
$32.19M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$8.56M
Shares Outstanding
7.43M
Gross Margin
0.00%
Payout Ratio
34.48%

Growth (CAGR)

Revenue 5Y
35.99%
Profit 5Y
40.02%
Revenue (YoY)
7.60%
Earnings (YoY)
100.00%

PROS

  • Compounding revenue at 36.0% over 5 years.
  • Profit CAGR of 40.0% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SRBK SR Bancorp, Inc. R2K 18.79 32.40 $139.70M 1.06% - 2.44% 35.99% 40.02%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2022Dec 2022Mar 2023Sep 2023Dec 2023Mar 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue --------7.72M9.33M8.16M8.37M8.36M
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses -------------
Operating Income -------------
EBITDA -------------
Interest Expense --------4.30M4.26M4.34M4.52M4.66M
Pretax Income --------626.00K2.43M895.00K1.09M1.17M
Tax Provision --------89.00K215.00K202.00K254.00K282.00K
Net Income 354.00K399.00K260.00K-10.50M1.61M1.06M1.37M1.02M537.00K2.21M693.00K834.00K886.00K
Diluted EPS ----10.030.180.120.160.120.060.100.090.110.12

Profit & Loss (Annual)

Figures in USD.

Metric Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Revenue -13.25M14.96M26.88M33.31M
Cost of Revenue -----
Gross Profit -----
Operating Expenses -----
Operating Income -----
EBITDA -----
Interest Expense -1.53M2.43M11.49M16.73M
Pretax Income -2.23M1.80M-11.77M6.13M
Tax Provision -363.00K250.00K-909.00K991.00K
Net Income -1.87M1.55M-10.86M5.14M
Diluted EPS -0.200.16-1.590.44

Compounded Sales Growth

5 Years:35.99%
1 Year:7.60%

Compounded Profit Growth

5 Years:40.02%
1 Year:100.00%

Stock Price Performance

1 Year:+48.64%
6 Months:+23.72%
3 Months:+13.87%
1 Month:-2.08%

Balance Sheet (Annual)

Figures in USD.

Metric Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Total Assets -648.63M651.49M1.02B1.08B
Current Assets -----
Cash & Equivalents -35.34M42.45M45.91M57.78M
Inventory -----
Receivables -1.07M1.19M2.69M3.07M
Total Liabilities -530.40M529.40M821.36M890.62M
Current Liabilities -----
Long Term Debt --20.00M-30.00M
Total Debt --20.02M2.40M33.21M
Total Equity 121.94M118.23M122.08M199.48M193.78M
Shares Outstanding -9.51M9.51M9.51M8.88M

Cash Flows (Annual)

Figures in USD.

Metric Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Operating Cash Flow -1.03M2.32M-1.74M4.67M
Investing Cash Flow --34.90M2.69M11.75M-50.48M
Financing Cash Flow -12.46M2.09M-6.55M57.69M
Capital Expenditure --327.00K-516.00K-1.10M-433.00K
Free Cash Flow -708.00K1.80M-2.84M4.23M
Net Change in Cash --21.41M7.11M3.46M11.87M
Share Buybacks ----11.32M
Dividends Paid ----444.00K

Ratios (Annual)

Figures in %.

Metric Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Gross Margin % -----
Operating Margin % -----
Net Margin % -14.1%10.4%-40.4%15.4%
ROE % -1.6%1.3%-5.4%2.7%
ROCE % -----

Shareholding Pattern

Insiders
17.55%
Institutions
33.27%
Public Float
40.35%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 5.67% 458.95K $8.62M
2 Vanguard Capital Management LLC 4.53% 366.96K $6.90M
3 Saber Capital Managment, LLC 2.88% 233.00K $4.38M
4 Renaissance Technologies, LLC 2.23% 180.30K $3.39M
5 Mangrove Partners IM, LLC 2.10% 170.40K $3.20M
6 Geode Capital Management, LLC 2.01% 162.44K $3.05M
7 Acadian Asset Management. LLC 1.28% 103.83K $1.95M
8 Dimensional Fund Advisors LP 1.12% 91.10K $1.71M
9 State Street Corporation 1.03% 83.29K $1.56M
10 Covalent Partners Llc 0.74% 60.00K $1.13M

Analyst View

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