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

$19.68-0.08(<0.01%)Pre-market

Market Cap

$144.83M

P/E

20.7x

P/S

3.2x

P/B

0.8x

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 communities of Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. The company provides deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit; business checking accounts for small businesses; and bill payment services through its online banking system. It also offers loans comprising one- to four family-residential mortgage, commercial real estate, multi-family, commercial and industrial, consumer, home equity, unsecured personal, and rehabilitation loans; and lines of credit. In addition, the company is involved in the investment activities. SR Bancorp, Inc. was founded in 1887 and is based in Bound Brook, New Jersey.

How this company scores

WeakMetricSide Score: 64/100

Grade capped at D — Interest coverage below 1× (0.3x) — earnings cannot cover interest. Strongest: Growth (25/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability17/25

Growth25/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality14/25

Strengths

Growing revenueRising earningsProfit converts from growthConsistent growth

Grade capped at D

Interest coverage below 1× (0.3x) — 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 · 20.7x5y range 17.9x – 566.1x

Currently below its 5-quarter median.

P/S · 3.2x5y range 2.5x – 3.2x

Currently near its 7-quarter median.

P/B · 0.8x5y range 0.0x – 0.8x

Watch items

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

High Risk

Earnings Quality

Red Flag

FCF consistently trails net income (avg -0.6x) — earnings may be inflated by non-cash items or aggressive accounting.

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $144.83M

Metrics at a Glance

as of March 2026

Revenue & Profit

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

TTM Revenue: $45.20M
Q. Revenue: $7.73M
TTM EBITDA: $7.98M
TTM Op. Income: $5.33M
Q. Op. Income: $1.17M
TTM Net Income: $7.01M
Q. Net Income: $886,000
EPS: $0.12
Shares Out.: $7.38M

$45.20M in TTM revenue grew 39.2% YoY, reaching $7.73M last quarter. TTM EBITDA of $7.98M and TTM operating income of $5.33M show growth is flowing through to the bottom line. TTM net income of $7.01M means revenue is converting into profit. Over the past year, TTM revenue is up 39% — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 39.7%
EBITDA Margin: 26.7%
Op. Margin: 15.1%
Net Margin: 11.5%

Op. margin of 15.1% is up 5.8% YoY — cost efficiency is improving. Net margin at 11.5% and gross margin of 39.7% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

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

P/E Ratio: 20.7x
P/S Ratio: 3.2x
P/B Ratio: 0.8x

At 20.7x P/E, the stock trades within typical market levels. P/S of 3.2x and P/B of 0.8x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 96% — a weakening trend.

Assets & Liabilities

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

Total Assets: $1.14B
Cash: $63.68M
Long-Term Debt: N/A
Book Value: $184.45M
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: $2.01M
TTM Free Cash Flow: $8.56M
FCF Margin: 18.9%
FCF / Net Income: 1.2

TTM FCF of $8.56M on $2.01M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 179% — an improving trend.