SR BANCORP INC(NASDAQ:SRBK) stock Fundamental Analysis

Fundamental Rating

SRBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. SRBK has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, SRBK is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year SRBK was profitable.

SRBK had a positive operating cash flow in the past year.

1.2 Ratios

The Return On Assets of SRBK (0.04%) is worse than 89.17% of its industry peers.

The Return On Equity of SRBK (0.21%) is worse than 89.17% of its industry peers.

SRBK has a Return On Invested Capital of 1.37%. This is amongst the best in the industry. SRBK outperforms 98.99% of its industry peers.

The Average Return On Invested Capital over the past 3 years for SRBK is below the industry average of 2.57%.

The 3 year average ROIC (0.46%) for SRBK is below the current ROIC(1.37%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	0.04%
ROE	0.21%
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 Profit Margin of 1.01%. This is amonst the worse of the industry: SRBK underperforms 89.17% of its industry peers.

SRBK's Operating Margin of 40.52% is amongst the best of the industry. SRBK outperforms 99.24% of its industry peers.

SRBK's Operating Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	40.52%
PM (TTM)	1.01%
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

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 more shares outstanding

Compared to 1 year ago, SRBK has a worse debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of -0.54, we must say that SRBK is in the distress zone and has some risk of bankruptcy.

With an excellent Altman-Z score value of -0.54, SRBK belongs to the best of the industry, outperforming 99.75% of the companies in the same industry.

SRBK has a debt to FCF ratio of 183.20. This is a negative value and a sign of low solvency as SRBK would need 183.20 years to pay back of all of its debts.

SRBK's Debt to FCF ratio of 183.20 is on the low side compared to the rest of the industry. SRBK is outperformed by 88.92% of its industry peers.

SRBK has a Debt/Equity ratio of 4.31. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 4.31, SRBK is not doing good in the industry: 96.98% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	4.31
Debt/FCF	183.2
Altman-Z	-0.54

ROIC/WACC0.39

WACC3.53%

2.3 Liquidity

SRBK has a Current Ratio of 0.07. 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 better Current ratio (0.07) than 99.75% of its industry peers.

A Quick Ratio of 0.07 indicates that SRBK may have some problems paying its short term obligations.

SRBK has a Quick ratio of 0.07. This is amongst the best in the industry. SRBK outperforms 99.75% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.07
Quick Ratio	0.07

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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

SRBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 106.05%, which is quite impressive.

The Revenue has grown by 58.16% in the past year. This is a very strong growth!

The Revenue has been growing by 40.27% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)106.05%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-29.64%

Revenue 1Y (TTM)58.16%

Revenue growth 3Y40.27%

Revenue growth 5YN/A

Sales Q2Q%-6.04%

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

With a Price/Earnings ratio of 260.80, SRBK can be considered very expensive at the moment.

Compared to the rest of the industry, the Price/Earnings ratio of SRBK indicates a rather expensive valuation: SRBK more expensive than 88.41% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of SRBK to the average of the S&P500 Index (23.99), we can say SRBK is valued expensively.

		Industry Rank	Sector Rank
PE	260.8
Fwd PE	N/A

4.2 Price Multiples

99.50% of the companies in the same industry are more expensive than SRBK, based on the Enterprise Value to EBITDA ratio.

Based on the Price/Free Cash Flow ratio, SRBK is valued a bit more expensive than 77.83% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	25.85
EV/EBITDA	4.98

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

With a Yearly Dividend Yield of 1.53%, SRBK has a reasonable but not impressive dividend return.

SRBK's Dividend Yield is slightly below the industry average, which is at 3.49.

Compared to the average S&P500 Dividend Yield of 2.44, SRBK is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.53%

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 (5/7/2025, 8:00:00 PM)

After market: 13.04 0 (0%)

13.04

+0.01 (+0.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)N/A N/A

Inst Owners24.5%

Inst Owner Change1.83%

Ins Owners6.42%

Ins Owner Change54.5%

Market Cap120.49M

AnalystsN/A

Price TargetN/A

Short Float %0.82%

Short Ratio2.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.53%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-Date03-31 2025-03-31 (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	260.8
Fwd PE	N/A
P/S	2.89
P/FCF	25.85
P/OCF	21.39
P/B	0.61
P/tB	0.71
EV/EBITDA	4.98

EPS(TTM)0.05

EY0.38%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.5

FCFY3.87%

OCF(TTM)0.61

OCFY4.68%

SpS4.51

BVpS21.44

TBVpS18.48

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.04%
ROE	0.21%
ROCE	7.1%
ROIC	1.37%
ROICexc	1.44%
ROICexgc	1.56%
OM	40.52%
PM (TTM)	1.01%
GM	N/A
FCFM	11.19%

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-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	4.31
Debt/FCF	183.2
Debt/EBITDA	43.85
Cap/Depr	37.55%
Cap/Sales	2.33%
Interest Coverage	1.24
Cash Conversion	28.92%
Profit Quality	1112.65%
Current Ratio	0.07
Quick Ratio	0.07
Altman-Z	-0.54

F-Score7

WACC3.53%

ROIC/WACC0.39

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)106.05%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-29.64%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)58.16%

Revenue growth 3Y40.27%

Revenue growth 5YN/A

Sales Q2Q%-6.04%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y639.1%

EBIT growth 3Y-0.17%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y1826.67%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y3029.44%

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

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