SRBK Fundamental Analysis - SR BANCORP INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to SRBK. SRBK was compared to 396 industry peers in the Banks industry. SRBK has a bad profitability rating. Also its financial health evaluation is rather negative. SRBK is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year SRBK has reported negative net income.

In the past year SRBK had a positive cash flow from operations.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.01%, SRBK is doing worse than 91.16% of the companies in the same industry.

Looking at the Return On Equity, with a value of -0.05%, SRBK is doing worse than 91.16% of the companies in the same industry.

SRBK has a better Return On Invested Capital (1.37%) than 98.99% of its industry peers.

Measured over the past 3 years, the Average Return On Invested Capital for SRBK is below the industry average of 2.64%.

The last Return On Invested Capital (1.37%) for SRBK is above the 3 year average (0.46%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	-0.01%
ROE	-0.05%
ROIC	1.37%

ROA(3y)-0.18%

ROA(5y)N/A

ROE(3y)-0.86%

ROE(5y)N/A

ROIC(3y)0.46%

ROIC(5y)N/A

1.3 Margins

SRBK has a better Operating Margin (41.16%) than 99.24% of its industry peers.

In the last couple of years the Operating Margin of SRBK has declined.

SRBK does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	41.16%
PM (TTM)	N/A
GM	N/A

OM growth 3Y-28.83%

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SRBK is destroying value.

The number of shares outstanding for SRBK has been increased compared to 1 year ago.

SRBK has a worse debt/assets ratio than last year.

2.2 Solvency

SRBK has an Altman-Z score of -0.53. This is a bad value and indicates that SRBK is not financially healthy and even has some risk of bankruptcy.

SRBK has a Altman-Z score of -0.53. This is amongst the best in the industry. SRBK outperforms 99.75% of its industry peers.

SRBK has a debt to FCF ratio of 131.19. This is a negative value and a sign of low solvency as SRBK would need 131.19 years to pay back of all of its debts.

SRBK has a worse Debt to FCF ratio (131.19) than 88.13% of its industry peers.

A Debt/Equity ratio of 4.44 is on the high side and indicates that SRBK has dependencies on debt financing.

SRBK has a worse Debt to Equity ratio (4.44) than 96.72% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.44
Debt/FCF	131.19
Altman-Z	-0.53

ROIC/WACC0.37

WACC3.69%

2.3 Liquidity

A Current Ratio of 0.08 indicates that SRBK may have some problems paying its short term obligations.

Looking at the Current ratio, with a value of 0.08, SRBK belongs to the top of the industry, outperforming 99.75% of the companies in the same industry.

A Quick Ratio of 0.08 indicates that SRBK may have some problems paying its short term obligations.

Looking at the Quick ratio, with a value of 0.08, SRBK belongs to the top of the industry, outperforming 99.75% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.08
Quick Ratio	0.08

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 99.05% over the past year.

SRBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.26%.

Measured over the past years, SRBK shows a very strong growth in Revenue. The Revenue has been growing by 40.27% on average per year.

EPS 1Y (TTM)99.05%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-46.57%

Revenue 1Y (TTM)22.26%

Revenue growth 3Y40.27%

Revenue growth 5YN/A

Sales Q2Q%-33.74%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for SRBK. In the last year negative earnings were reported.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SRBK indicates a rather cheap valuation: SRBK is cheaper than 99.24% of the companies listed in the same industry.

Based on the Price/Free Cash Flow ratio, SRBK is valued a bit more expensive than the industry average as 71.72% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	19.55
EV/EBITDA	4.94

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

SRBK has a Yearly Dividend Yield of 1.37%.

SRBK's Dividend Yield is slightly below the industry average, which is at 3.29.

Compared to an average S&P500 Dividend Yield of 2.34, SRBK's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.37%

5.2 History

SRBK does not have a reliable dividend history as it only pays dividend since a couple or years.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DPN/A

EPS Next 2YN/A

EPS Next 3YN/A

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SR BANCORP INC

NASDAQ:SRBK (7/21/2025, 8:00:00 PM)

After market: 14.33 0 (0%)

14.33

+0.02 (+0.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30/amc

Earnings (Next)N/A N/A

Inst Owners25.12%

Inst Owner Change0%

Ins Owners6.88%

Ins Owner Change35.83%

Market Cap128.97M

AnalystsN/A

Price TargetN/A

Short Float %6.88%

Short Ratio5.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.37%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-Date06-30 2025-06-30 (0.05)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	3.11
P/FCF	19.55
P/OCF	16.97
P/B	0.66
P/tB	0.77
EV/EBITDA	4.94

EPS(TTM)-0.01

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.73

FCFY5.12%

OCF(TTM)0.84

OCFY5.89%

SpS4.61

BVpS21.67

TBVpS18.67

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.01%
ROE	-0.05%
ROCE	7.23%
ROIC	1.37%
ROICexc	1.46%
ROICexgc	1.57%
OM	41.16%
PM (TTM)	N/A
GM	N/A
FCFM	15.9%

ROA(3y)-0.18%

ROA(5y)N/A

ROE(3y)-0.86%

ROE(5y)N/A

ROIC(3y)0.46%

ROIC(5y)N/A

ROICexc(3y)0.49%

ROICexc(5y)N/A

ROICexgc(3y)0.52%

ROICexgc(5y)N/A

ROCE(3y)2.55%

ROCE(5y)N/A

ROICexcg growth 3Y-15.14%

ROICexcg growth 5YN/A

ROICexc growth 3Y-15.84%

ROICexc growth 5YN/A

OM growth 3Y-28.83%

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	4.44
Debt/FCF	131.19
Debt/EBITDA	44.23
Cap/Depr	40.18%
Cap/Sales	2.41%
Interest Coverage	1.09
Cash Conversion	38.83%
Profit Quality	N/A
Current Ratio	0.08
Quick Ratio	0.08
Altman-Z	-0.53

F-Score6

WACC3.69%

ROIC/WACC0.37

Cap/Depr(3y)86.32%

Cap/Depr(5y)N/A

Cap/Sales(3y)2.89%

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)99.05%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-46.57%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)22.26%

Revenue growth 3Y40.27%

Revenue growth 5YN/A

Sales Q2Q%-33.74%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y2301.97%

EBIT growth 3Y-0.17%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y2456.43%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y6232.5%

OCF growth 3YN/A

OCF growth 5YN/A

SR BANCORP INC (SRBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens