SR BANCORP INC (SRBK) Stock Fundamental Analysis

NASDAQ:SRBK • US85227J1060

16.94 USD
+0.03 (+0.18%)
Last: Feb 26, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall SRBK gets a fundamental rating of 3 out of 10. We evaluated SRBK against 379 industry peers in the Banks industry. There are concerns on the financial health of SRBK while its profitability can be described as average. SRBK is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

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

  • SRBK's Return On Assets of 0.40% is on the low side compared to the rest of the industry. SRBK is outperformed by 82.32% of its industry peers.
  • The Return On Equity of SRBK (2.32%) is worse than 86.02% of its industry peers.
  • The Return On Invested Capital of SRBK (1.70%) is better than 98.68% 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 2.69%.
  • The 3 year average ROIC (0.88%) for SRBK is below the current ROIC(1.70%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.4%
ROE 2.32%
ROIC 1.7%
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

  • With a Profit Margin value of 9.24%, SRBK is not doing good in the industry: 84.70% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of SRBK has declined.
  • SRBK's Operating Margin of 46.55% is amongst the best of the industry. SRBK outperforms 99.21% of its industry peers.
  • SRBK's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 46.55%
PM (TTM) 9.24%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 reduced compared to 1 year ago.
  • SRBK has a worse debt/assets ratio than last year.
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

  • SRBK has an Altman-Z score of -0.52. 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 (-0.52) is better than 99.47% of its industry peers.
  • The Debt to FCF ratio of SRBK is 246.42, which is on the high side as it means it would take SRBK, 246.42 years of fcf income to pay off all of its debts.
  • SRBK has a Debt to FCF ratio of 246.42. This is amonst the worse of the industry: SRBK underperforms 86.28% of its industry peers.
  • SRBK has a Debt/Equity ratio of 4.71. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of SRBK (4.71) is worse than 95.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.71
Debt/FCF 246.42
Altman-Z -0.52
ROIC/WACC0.48
WACC3.58%
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 0.07. 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 Current ratio of 0.07. This is amongst the best in the industry. SRBK outperforms 99.74% 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 better Quick ratio (0.07) than 99.74% of its industry peers.
Industry RankSector Rank
Current Ratio 0.07
Quick Ratio 0.07
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • SRBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 984.58%, which is quite impressive.
  • Measured over the past years, SRBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.75% on average per year.
  • SRBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.70%.
  • Measured over the past years, SRBK shows a very strong growth in Revenue. The Revenue has been growing by 52.78% on average per year.
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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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 31.96, which means the current valuation is very expensive for SRBK.
  • Based on the Price/Earnings ratio, SRBK is valued expensively inside the industry as 86.81% of the companies are valued cheaper.
  • SRBK is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 31.96
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

  • SRBK's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SRBK is cheaper than 99.47% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SRBK indicates a rather expensive valuation: SRBK more expensive than 81.27% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 38.9
EV/EBITDA 4.83
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. Dividend

5.1 Amount

  • SRBK has a Yearly Dividend Yield of 1.18%.
  • Compared to an average industry Dividend Yield of 2.74, SRBK's dividend is way lower than its industry peers. On top of this 80.47% of the companies listed in the same industry pay a better dividend than SRBK!
  • Compared to the average S&P500 Dividend Yield of 1.80, SRBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.18%

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 0.05 0.1 0.15

5.3 Sustainability

  • SRBK pays out 19.57% of its income as dividend. This is a sustainable payout ratio.
DP19.57%
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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Find the best dividend stocksShow peers with best dividend

SR BANCORP INC

NASDAQ:SRBK (2/26/2026, 8:00:00 PM)

16.94

+0.03 (+0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners28.03%
Inst Owner Change8.82%
Ins Owners8.09%
Ins Owner Change6.28%
Market Cap142.80M
Revenue(TTM)49.06M
Net Income(TTM)4.46M
Analysts43.33
Price Target16.83 (-0.65%)
Short Float %6.59%
Short Ratio11.44
Dividend
Industry RankSector Rank
Dividend Yield 1.18%
Yearly Dividend0.05
Dividend Growth(5Y)N/A
DP19.57%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)3.13%
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 RankSector Rank
PE 31.96
Fwd PE N/A
P/S 2.96
P/FCF 38.9
P/OCF 34.85
P/B 0.74
P/tB 0.86
EV/EBITDA 4.83
EPS(TTM)0.53
EY3.13%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.44
FCFY2.57%
OCF(TTM)0.49
OCFY2.87%
SpS5.73
BVpS22.77
TBVpS19.64
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.48
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 2.32%
ROCE 9.47%
ROIC 1.7%
ROICexc 1.8%
ROICexgc 1.93%
OM 46.55%
PM (TTM) 9.24%
GM N/A
FCFM 7.6%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 4.71
Debt/FCF 246.42
Debt/EBITDA 36.66
Cap/Depr 19.47%
Cap/Sales 0.88%
Interest Coverage 1.4
Cash Conversion 16.61%
Profit Quality 82.27%
Current Ratio 0.07
Quick Ratio 0.07
Altman-Z -0.52
F-Score7
WACC3.58%
ROIC/WACC0.48
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 1Y36.1%
EBIT growth 3Y82.32%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y248.96%
FCF growth 3Y81.31%
FCF growth 5YN/A
OCF growth 1Y368.26%
OCF growth 3Y64.92%
OCF growth 5YN/A

SR BANCORP INC / SRBK 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.


Can you provide the profitability details for SR BANCORP INC?

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


Is the dividend of SR BANCORP INC sustainable?

The dividend rating of SR BANCORP INC (SRBK) is 2 / 10 and the dividend payout ratio is 19.57%.