SR Bancorp (SRBK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

SR Bancorp

NasdaqCM•Financial Services•Banks - Regional

$18.88-0.05(<0.01%)After hours

Market Cap

$134.51M

P/E

40.1x

P/S

4.4x

P/B

0.7x

SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides retail and commercial banking services to individuals, businesses, and local municipalities in the United States. It offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposits, as well as business checking accounts for small businesses. The company also provides loans, such as residential, commercial real estate, multi-family, commercial and industrial, and consumer loans. In addition, it offers bill payment services through its online banking system. Further, the company engages in investment activities. It serves communities of Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. The company was founded in 1887 and is based in Bound Brook, New Jersey.

How this company scores

WeakMetricSide Score: 55/100

Grade capped at D — Interest coverage below 1× (0.2x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (21/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability14/25

Growth12/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality21/25

Strengths

Cash-backed earningsProfit converts from growthNet cash positionNo share dilution

Grade capped at D

Interest coverage below 1× (0.2x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 40.1x5y range 17.9x – 566.1x

Currently near its 6-quarter median.

P/S · 4.4x5y range 2.5x – 4.4x

Currently above its 8-quarter median.

P/B · 0.7x5y range 0.0x – 0.7x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $134.51M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $30.66M
Q. Revenue: $7.76M
TTM EBITDA: $5.57M
TTM Op. Income: $4.40M
Q. Op. Income: $1.03M
TTM Net Income: $3.35M
Q. Net Income: $940,000
EPS: $0.131
Shares Out.: $7.16M

$30.66M in TTM revenue declined 32.8% YoY, reaching $7.76M last quarter. TTM EBITDA of $5.57M and TTM operating income of $4.40M show growth is flowing through to the bottom line. TTM net income of $3.35M means revenue is converting into profit. Over the past year, TTM revenue is down 33% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 37.8%
EBITDA Margin: 12.7%
Op. Margin: 13.3%
Net Margin: 12.1%

Op. margin of 13.3% is up 4.5% YoY — cost efficiency is improving. Net margin at 12.1% and gross margin of 37.8% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 51% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 40.1x
P/S Ratio: 4.4x
P/B Ratio: 0.7x

At 40.1x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 4.4x and P/B of 0.7x provide additional context. P/E sits above typical market levels while revenue growth is below 5%. Across the last 6 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.19B
Cash: $71.46M
Long-Term Debt: N/A
Book Value: $181.79M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $3.88M
TTM Free Cash Flow: $10.70M
FCF Margin: 34.9%
FCF / Net Income: 3.2

TTM FCF of $10.70M on $3.88M in operating cash flow. The FCF / Net Income ratio of 3.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.