SRBK

Company Overview — What Does SR Bancorp, Inc. Do?

SR Bancorp, Inc. (“SR Bancorp”) is a new Maryland corporation that was formed by Somerset Savings Bank, SLA (“Somerset Savings Bank”) to be the holding company of Somerset Savings Bank upon completion of its conversion from the mutual to stock form of organization. SR Bancorp has had no operations to date and has never issued any capital stock. This stock offering is being made by SR Bancorp. Upon completion of the conversion and related stock offering, SR Bancorp will own all of Somerset Savings Bank’s capital stock. Somerset Savings Bank is a New Jersey-chartered mutual savings association that operates from seven branches in Hunterdon, Middlesex and Somerset Counties, New Jersey. Somerset Savings Bank offers a variety of deposit and loan products to individuals and small businesses, most of which are located in our primary market. The acquisition of Regal Bancorp, Inc. (“Regal Bancorp”) and its wholly owned subsidiary, Regal Bank, will expand our market presence into Essex, Morris and Union Counties, New Jersey and enhance our market presence in Somerset County, New Jersey. At March 31, 2023, Somerset Savings Bank had total assets of $664.9 million, deposits of $517.0 million and total equity of $119.1 million. As part of this transaction, Somerset Savings Bank will convert its charter to a New Jersey-chartered commercial bank. Our executive offices are located at 220 West Union Avenue, Bound Brook, New Jersey. SR Bancorp, Inc. (SRBK) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO William P. Taylor. With a market capitalization of $131M, SRBK is one of the notable companies in the Financials sector.

SR Bancorp, Inc. (SRBK) Stock Rating — Hold (April 2026)

As of April 2026, SR Bancorp, Inc. receives a Hold rating with a composite score of 45.1/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.SRBK ranks #716 out of 4,446 stocks in our coverage universe. Within the Financials sector, SR Bancorp, Inc. ranks #213 of 891 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

SRBK Stock Price and 52-Week Range

SR Bancorp, Inc. (SRBK) currently trades at $17.72. The stock lost $0.13 (0.7%) in the most recent trading session. The 52-week high for SRBK is $18.04, which means the stock is currently trading -1.8% from its annual peak. The 52-week low is $11.38, putting the stock 55.7% above its annual trough. Recent trading volume was 17K shares, suggesting relatively thin trading activity.

Is SRBK Overvalued or Undervalued? — Valuation Analysis

SR Bancorp, Inc. (SRBK) carries a value factor score of 41/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 38.94x, compared to the Financials sector average of 14.88x — a premium of 162%. The price-to-book ratio stands at 0.71x, versus the sector average of 1.22x. The price-to-sales ratio is 4.43x, compared to 0.90x for the average Financials stock. On an enterprise value basis, SRBK trades at 30.79x EV/EBITDA, versus 3.26x for the sector.

Overall, SRBK's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

SR Bancorp, Inc. Profitability — ROE, Margins, and Quality Score

SR Bancorp, Inc. (SRBK) earns a quality factor score of 37/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 1.8%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.3% versus the sector average of 1.2%.

On a margin basis, SR Bancorp, Inc. reports gross margins of 43.5%. The operating margin is 14.3% (sector: 21.8%). Net profit margin stands at 11.3%, versus 17.7% for the average Financials stock. Revenue growth is running at -5.8% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

SRBK Debt, Balance Sheet, and Financial Health

SR Bancorp, Inc. has a debt-to-equity ratio of 507.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.20x, suggesting adequate working capital coverage.

SRBK has a beta of 0.26, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for SR Bancorp, Inc. is 95/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

SR Bancorp, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, SR Bancorp, Inc. reported revenue of $30M and earnings per share (EPS) of $0.11. Net income for the quarter was $3M. Operating income came in at $4M.

In Q2 2026, SR Bancorp, Inc. reported revenue of $8M and earnings per share (EPS) of $0.11. Net income for the quarter was $834,000. Operating income came in at $1M.

In Q1 2026, SR Bancorp, Inc. reported revenue of $8M and earnings per share (EPS) of $0.09. Net income for the quarter was $693,000. Revenue grew 0.0% year-over-year compared to Q1 2025. Operating income came in at $895,000.

In FY 2025, SR Bancorp, Inc. reported revenue of $30M and earnings per share (EPS) of $0.61. Net income for the quarter was $5M. Revenue grew 0.7% year-over-year compared to FY 2024. Operating income came in at $6M.

Over the past 8 quarters, SR Bancorp, Inc. has demonstrated a growth trajectory, with revenue expanding from $8M to $30M. Investors analyzing SRBK stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

SRBK Dividend Yield and Income Analysis

SR Bancorp, Inc. (SRBK) currently pays a dividend yield of 1.0%. At this yield, a $10,000 investment in SRBK stock would generate approximately $$99.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning SRBK yields less than the typical sector peer. The net margin of 11.3% provides reasonable coverage for the dividend, though investors should monitor payout sustainability.

SRBK Momentum and Technical Analysis Profile

SR Bancorp, Inc. (SRBK) has a momentum factor score of 58/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 35/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 2/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

SRBK vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, SR Bancorp, Inc. (SRBK) ranks #213 out of 891 stocks based on the Blank Capital composite score. This places SRBK in the top quartile of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing SRBK against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full SRBK vs S&P 500 (SPY) comparison to assess how SR Bancorp, Inc. stacks up against the broader market across all factor dimensions.

SRBK Next Earnings Date

No upcoming earnings date has been announced for SR Bancorp, Inc. (SRBK) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy SRBK? — Investment Thesis Summary

SR Bancorp, Inc. presents a balanced picture with arguments on both sides. The quality score of 37/100 flags below-average profitability. Low volatility (stability score 95/100) reduces downside risk.

In summary, SR Bancorp, Inc. (SRBK) earns a Hold rating with a composite score of 45.1/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on SRBK stock.

Related Resources for SRBK Investors

Explore more research and tools: SRBK vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare SRBK head-to-head with peers: SRBK vs WTM, SRBK vs OPY, SRBK vs ACT.