SR BANCORP INC (SRBK) Stock Fundamental Analysis
USA - NASDAQ:SRBK - US85227J1060 - Common Stock
14.9 USD
-0.03 (-0.2%)
We assign a fundamental rating of 3 out of 10 to SRBK. SRBK was compared to 391 industry peers in the Banks industry. SRBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, SRBK is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
SRBK had positive earnings in the past year.
SRBK had a positive operating cash flow in the past year.
Of the past 5 years SRBK 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: SRBK reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.01%, SRBK is doing worse than 90.54% of the companies in the same industry.
Looking at the Return On Equity, with a value of -0.05%, SRBK is doing worse than 90.28% of the companies in the same industry.
The Return On Invested Capital of SRBK (1.25%) is better than 98.72% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for SRBK is in line with the industry average of 2.46%.
The last Return On Invested Capital (1.25%) for SRBK is above the 3 year average (0.79%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.01% | ||
| ROE | -0.05% | ||
| ROIC | 1.25% |
ROA(3y)-0.16%
ROA(5y)0%
ROE(3y)-0.74%
ROE(5y)0.08%
ROIC(3y)0.79%
ROIC(5y)0.66%
1.3 Margins
SRBK's Profit Margin has declined in the last couple of years.
SRBK's Operating Margin of 41.16% is amongst the best of the industry. SRBK outperforms 98.98% of its industry peers.
SRBK's Operating Margin has improved 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 3Y18.18%
OM growth 5YN/A
PM growth 3Y-16.61%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
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.
The number of shares outstanding for SRBK has been reduced compared to 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 -0.53. This is a bad value and indicates that SRBK is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of -0.53, SRBK belongs to the best of the industry, outperforming 99.74% of the companies in the same industry.
The Debt to FCF ratio of SRBK is 131.19, which is on the high side as it means it would take SRBK, 131.19 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 131.19, SRBK is not doing good in the industry: 84.40% of the companies in the same industry are doing better.
SRBK has a Debt/Equity ratio of 4.44. This is a high value indicating a heavy dependency on external financing.
SRBK has a Debt to Equity ratio of 4.44. This is amonst the worse of the industry: SRBK underperforms 95.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.44 | ||
| Debt/FCF | 131.19 | ||
| Altman-Z | -0.53 |
ROIC/WACC0.34
WACC3.68%
2.3 Liquidity
A Current Ratio of 0.08 indicates that SRBK may have some problems paying its short term obligations.
SRBK has a Current ratio of 0.08. This is amongst the best in the industry. SRBK outperforms 99.74% 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.
SRBK has a Quick ratio of 0.08. This is amongst the best in the industry. SRBK outperforms 99.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 138.00% over the past year.
The Earnings Per Share has been growing by 19.50% on average over the past years. This is quite good.
Looking at the last year, SRBK shows a very strong growth in Revenue. The Revenue has grown by 26.87%.
The Revenue has been growing by 51.18% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)138%
EPS 3Y19.5%
EPS 5YN/A
EPS Q2Q%129.53%
Revenue 1Y (TTM)26.87%
Revenue growth 3Y51.18%
Revenue growth 5YN/A
Sales Q2Q%68.51%
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.
4. Valuation
4.1 Price/Earnings Ratio
SRBK is valuated quite expensively with a Price/Earnings ratio of 33.86.
85.17% of the companies in the same industry are cheaper than SRBK, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of SRBK to the average of the S&P500 Index (27.43), we can say SRBK is valued slightly more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.86 | ||
| 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 99.23% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SRBK indicates a slightly more expensive valuation: SRBK is more expensive than 69.05% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.05 | ||
| EV/EBITDA | 5.13 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SRBK has a Yearly Dividend Yield of 1.32%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.56, SRBK is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.45, SRBK's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.32% |
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
NASDAQ:SRBK (9/12/2025, 12:50:07 PM)
14.9
-0.03 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners25.67%
Inst Owner Change13.39%
Ins Owners6.88%
Ins Owner Change6.34%
Market Cap132.31M
AnalystsN/A
Price TargetN/A
Short Float %4.8%
Short Ratio5.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.32% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
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 | 33.86 | ||
| Fwd PE | N/A | ||
| P/S | 3.19 | ||
| P/FCF | 20.05 | ||
| P/OCF | 17.41 | ||
| P/B | 0.68 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | 5.13 |
EPS(TTM)0.44
EY2.95%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.74
FCFY4.99%
OCF(TTM)0.86
OCFY5.74%
SpS4.67
BVpS21.97
TBVpS18.92
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.01% | ||
| ROE | -0.05% | ||
| ROCE | 7.23% | ||
| ROIC | 1.25% | ||
| ROICexc | 1.33% | ||
| ROICexgc | 1.43% | ||
| OM | 41.16% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 15.9% |
ROA(3y)-0.16%
ROA(5y)0%
ROE(3y)-0.74%
ROE(5y)0.08%
ROIC(3y)0.79%
ROIC(5y)0.66%
ROICexc(3y)0.83%
ROICexc(5y)0.7%
ROICexgc(3y)0.89%
ROICexgc(5y)0.75%
ROCE(3y)4.62%
ROCE(5y)3.96%
ROICexcg growth 3Y51.64%
ROICexcg growth 5YN/A
ROICexc growth 3Y50.71%
ROICexc growth 5YN/A
OM growth 3Y18.18%
OM growth 5YN/A
PM growth 3Y-16.61%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.44 | ||
| 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-Score7
WACC3.68%
ROIC/WACC0.34
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)138%
EPS 3Y19.5%
EPS 5YN/A
EPS Q2Q%129.53%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.87%
Revenue growth 3Y51.18%
Revenue growth 5YN/A
Sales Q2Q%68.51%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y2301.97%
EBIT growth 3Y78.66%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y209.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y237.41%
OCF growth 3YN/A
OCF growth 5YN/A