SRBK Fundamental Analysis - SR BANCORP INC

Fundamental Rating

SRBK gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. Both the profitability and financial health of SRBK have multiple concerns. 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.

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

1.2 Ratios

SRBK has a worse Return On Assets (-0.01%) than 91.16% of its industry peers.

SRBK has a worse Return On Equity (-0.05%) than 91.16% 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 2.64%.

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

The Operating Margin of SRBK (41.16%) is better than 99.24% of its industry peers.

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

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

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

SRBK has more shares outstanding than it did 1 year ago.

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

2.2 Solvency

SRBK has an Altman-Z score of -0.54. This is a bad value and indicates that SRBK is not financially healthy and even has some risk of bankruptcy.

The Altman-Z score of SRBK (-0.54) is better than 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 Debt to FCF ratio of 131.19. This is amonst the worse of the industry: SRBK underperforms 87.88% 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's Debt to Equity ratio of 4.44 is on the low side compared to the rest of the industry. SRBK is outperformed by 96.72% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.44
Debt/FCF	131.19
Altman-Z	-0.54

ROIC/WACC0.4

WACC3.43%

2.3 Liquidity

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

SRBK has a better Current ratio (0.08) than 99.75% of its industry peers.

SRBK has a Quick Ratio of 0.08. This is a bad value and indicates that SRBK is not financially healthy enough and could expect problems in meeting its short term obligations.

The Quick ratio of SRBK (0.08) is better than 99.75% of its industry peers.

		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.

The Revenue has grown by 22.26% in the past year. This is a very strong growth!

SRBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 40.27% yearly.

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

SRBK's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SRBK is cheaper than 99.75% of the companies in the same industry.

70.20% of the companies in the same industry are cheaper than SRBK, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	16.83
EV/EBITDA	4.13

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 1.55%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.46, SRBK is paying slightly less dividend.

Compared to the average S&P500 Dividend Yield of 2.38, SRBK is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.55%

5.2 History

SRBK is new to the dividend game and has less than 3 years of track record.

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 (6/4/2025, 1:18:15 PM)

12.34

-0.21 (-1.67%)

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 Change0.96%

Ins Owners6.42%

Ins Owner Change37.64%

Market Cap111.06M

AnalystsN/A

Price TargetN/A

Short Float %0.88%

Short Ratio1.42

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.55%

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	N/A
Fwd PE	N/A
P/S	2.68
P/FCF	16.83
P/OCF	14.62
P/B	0.57
P/tB	0.66
EV/EBITDA	4.13

EPS(TTM)-0.01

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.73

FCFY5.94%

OCF(TTM)0.84

OCFY6.84%

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	-0.54

F-Score6

WACC3.43%

ROIC/WACC0.4

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