SR BANCORP INC (SRBK) Fundamental Analysis & Valuation

NASDAQ:SRBK • US85227J1060

Current stock price

18.03 USD
+0.38 (+2.15%)
At close:
18.03 USD
0 (0%)
After Hours:

This SRBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SRBK Profitability Analysis

1.1 Basic Checks

  • SRBK had positive earnings in the past year.
  • SRBK had a positive operating cash flow in the past year.
  • SRBK had positive earnings in 4 of the past 5 years.
  • Of the past 5 years SRBK 4 years had a positive operating cash flow.
SRBK Yearly Net Income VS EBIT VS OCF VS FCFSRBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 2025 0 10M -10M 20M

1.2 Ratios

  • With a Return On Assets value of 0.37%, SRBK is not doing good in the industry: 87.80% of the companies in the same industry are doing better.
  • SRBK's Return On Equity of 2.27% is on the low side compared to the rest of the industry. SRBK is outperformed by 89.92% of its industry peers.
  • The Return On Invested Capital of SRBK (1.65%) is better than 98.67% of its industry peers.
  • SRBK had an Average Return On Invested Capital over the past 3 years of 0.88%. This is in line with the industry average of 2.71%.
  • The last Return On Invested Capital (1.65%) for SRBK is above the 3 year average (0.88%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.37%
ROE 2.27%
ROIC 1.65%
ROA(3y)-0.12%
ROA(5y)0.03%
ROE(3y)-0.51%
ROE(5y)0.22%
ROIC(3y)0.88%
ROIC(5y)0.72%
SRBK Yearly ROA, ROE, ROICSRBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 0 2 -2 -4

1.3 Margins

  • Looking at the Profit Margin, with a value of 8.71%, SRBK is doing worse than 88.33% of the companies in the same industry.
  • SRBK's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 45.75%, SRBK belongs to the top of the industry, outperforming 98.94% of the companies in the same industry.
  • SRBK's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 45.75%
PM (TTM) 8.71%
GM N/A
OM growth 3Y19.34%
OM growth 5YN/A
PM growth 3Y-8.34%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
SRBK Yearly Profit, Operating, Gross MarginsSRBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 2025 0 20 -20 40

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3

2. SRBK Health Analysis

2.1 Basic Checks

  • SRBK has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, SRBK has less shares outstanding
  • Compared to 1 year ago, SRBK has a worse debt to assets ratio.
SRBK Yearly Shares OutstandingSRBK Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 2M 4M 6M 8M
SRBK Yearly Total Debt VS Total AssetsSRBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of -0.50, we must say that SRBK is in the distress zone and has some risk of bankruptcy.
  • SRBK has a better Altman-Z score (-0.50) than 99.73% of its industry peers.
  • The Debt to FCF ratio of SRBK is 113.41, which is on the high side as it means it would take SRBK, 113.41 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 113.41, SRBK is not doing good in the industry: 88.59% of the companies in the same industry are doing better.
  • SRBK has a Debt/Equity ratio of 5.00. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 5.00, SRBK is doing worse than 96.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5
Debt/FCF 113.41
Altman-Z -0.5
ROIC/WACC0.44
WACC3.71%
SRBK Yearly LT Debt VS Equity VS FCFSRBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 2025 0 50M 100M 150M

2.3 Liquidity

  • SRBK has a Current Ratio of 0.10. This is a bad value and indicates that SRBK is not financially healthy enough and could expect problems in meeting its short term obligations.
  • SRBK has a Current ratio of 0.10. This is amongst the best in the industry. SRBK outperforms 99.73% of its industry peers.
  • SRBK has a Quick Ratio of 0.10. This is a bad value and indicates that SRBK is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.10, SRBK belongs to the top of the industry, outperforming 99.73% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.1
Quick Ratio 0.1
SRBK Yearly Current Assets VS Current LiabilitesSRBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 200M 400M 600M 800M

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5

3. SRBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 984.58% over the past year.
  • SRBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.75% yearly.
  • Looking at the last year, SRBK shows a quite strong growth in Revenue. The Revenue has grown by 17.70% in the last year.
  • SRBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 52.78% yearly.
EPS 1Y (TTM)984.58%
EPS 3Y32.75%
EPS 5YN/A
EPS Q2Q%-8.83%
Revenue 1Y (TTM)17.7%
Revenue growth 3Y52.78%
Revenue growth 5YN/A
Sales Q2Q%6.52%

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.
SRBK Yearly Revenue VS EstimatesSRBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 10M 20M 30M 40M

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1

4. SRBK Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 34.02, SRBK can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, SRBK is valued expensively inside the industry as 88.33% of the companies are valued cheaper.
  • Compared to an average S&P500 Price/Earnings ratio of 27.89, SRBK is valued a bit more expensive.
Industry RankSector Rank
PE 34.02
Fwd PE N/A
SRBK Price Earnings VS Forward Price EarningsSRBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SRBK is valued cheaply inside the industry as 98.94% of the companies are valued more expensively.
  • 72.15% of the companies in the same industry are cheaper than SRBK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 18.11
EV/EBITDA 4.81
SRBK Per share dataSRBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. SRBK Dividend Analysis

5.1 Amount

  • SRBK has a Yearly Dividend Yield of 1.13%.
  • With a Dividend Yield of 1.13, SRBK pays less dividend than the industry average, which is at 2.58. 80.37% of the companies listed in the same industry pay a better dividend than SRBK!
  • SRBK's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.13%

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
SRBK Yearly Dividends per shareSRBK Yearly Dividends per shareYearly Dividends per share 2025 2026 0.05 0.1 0.15

5.3 Sustainability

  • 29.92% of the earnings are spent on dividend by SRBK. This is a low number and sustainable payout ratio.
DP29.92%
EPS Next 2YN/A
EPS Next 3YN/A
SRBK Yearly Income VS Free CF VS DividendSRBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 2024 2025 0 5M -5M -10M
SRBK Dividend Payout.SRBK Dividend Payout, showing the Payout Ratio.SRBK Dividend Payout.PayoutRetained Earnings

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SRBK Fundamentals: All Metrics, Ratios and Statistics

SR BANCORP INC

NASDAQ:SRBK (4/17/2026, 8:00:00 PM)

After market: 18.03 0 (0%)

18.03

+0.38 (+2.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners31.2%
Inst Owner Change0.45%
Ins Owners8.47%
Ins Owner Change6.49%
Market Cap150.37M
Revenue(TTM)49.06M
Net Income(TTM)4.28M
Analysts43.33
Price Target18.36 (1.83%)
Short Float %9.09%
Short Ratio17.11
Dividend
Industry RankSector Rank
Dividend Yield 1.13%
Yearly Dividend0.05
Dividend Growth(5Y)N/A
DP29.92%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
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)9.09%
PT rev (3m)12.5%
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 RankSector Rank
PE 34.02
Fwd PE N/A
P/S 3.07
P/FCF 18.11
P/OCF 16.48
P/B 0.8
P/tB 0.93
EV/EBITDA 4.81
EPS(TTM)0.53
EY2.94%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1
FCFY5.52%
OCF(TTM)1.09
OCFY6.07%
SpS5.88
BVpS22.6
TBVpS19.47
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.4152 (-8.96%)
Profitability
Industry RankSector Rank
ROA 0.37%
ROE 2.27%
ROCE 9.03%
ROIC 1.65%
ROICexc 1.78%
ROICexgc 1.9%
OM 45.75%
PM (TTM) 8.71%
GM N/A
FCFM 16.92%
ROA(3y)-0.12%
ROA(5y)0.03%
ROE(3y)-0.51%
ROE(5y)0.22%
ROIC(3y)0.88%
ROIC(5y)0.72%
ROICexc(3y)0.93%
ROICexc(5y)0.77%
ROICexgc(3y)1%
ROICexgc(5y)0.82%
ROCE(3y)4.8%
ROCE(5y)4.06%
ROICexgc growth 3Y54.76%
ROICexgc growth 5YN/A
ROICexc growth 3Y53.72%
ROICexc growth 5YN/A
OM growth 3Y19.34%
OM growth 5YN/A
PM growth 3Y-8.34%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 5
Debt/FCF 113.41
Debt/EBITDA 38.25
Cap/Depr 37.7%
Cap/Sales 1.67%
Interest Coverage 1.42
Cash Conversion 37.05%
Profit Quality 194.2%
Current Ratio 0.1
Quick Ratio 0.1
Altman-Z -0.5
F-Score8
WACC3.71%
ROIC/WACC0.44
Cap/Depr(3y)64.98%
Cap/Depr(5y)66.15%
Cap/Sales(3y)2.38%
Cap/Sales(5y)2.28%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)984.58%
EPS 3Y32.75%
EPS 5YN/A
EPS Q2Q%-8.83%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.7%
Revenue growth 3Y52.78%
Revenue growth 5YN/A
Sales Q2Q%6.52%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y32.88%
EBIT growth 3Y82.32%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y240.74%
FCF growth 3Y81.31%
FCF growth 5YN/A
OCF growth 1Y268.15%
OCF growth 3Y64.92%
OCF growth 5YN/A

SR BANCORP INC / SRBK Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SR BANCORP INC (SRBK) stock?

ChartMill assigns a fundamental rating of 3 / 10 to SRBK.


What is the valuation status of SR BANCORP INC (SRBK) stock?

ChartMill assigns a valuation rating of 1 / 10 to SR BANCORP INC (SRBK). This can be considered as Overvalued.


What is the profitability of SRBK stock?

SR BANCORP INC (SRBK) has a profitability rating of 4 / 10.


What is the financial health of SR BANCORP INC (SRBK) stock?

The financial health rating of SR BANCORP INC (SRBK) is 3 / 10.


Can you provide the dividend sustainability for SRBK stock?

The dividend rating of SR BANCORP INC (SRBK) is 2 / 10 and the dividend payout ratio is 29.92%.