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SR Bancorp, Inc.

SRBK

$18.78 ▼ -0.29 (-1.52%) at close

6 Visible periods

33 Metrics

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Fair

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Analytical Summary

SR Bancorp, Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $140.7M

Dividend Yield 1.12%

Revenue Growth 0.4%

Op. Margin 13.2% ↘

ROIC None

FCF / Share None

Trailing P/E 41.7x

Price / Book 0.8x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$33.45M

— +0.4% —

Net Income Profit after all expenses

$3.35M

↓ -34.7% —

Operating Margin Operating profit as % of sales

13.2%

↓ -28.5% 72th

Health Breakdown

Profitability ↓

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.21 Latest / share

+110.0% YoY

+110.0% 2-yr CAGR

FY 2021

FY 2022

FY 2023

FY 2024

$0.10

FY 2025

$0.21

FY 2026

Financial view

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📈 Is growth accelerating? 5 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Sep 19, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗
Revenue Growth YoY (%)	0.4% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-93%)	—	—	—	—	—
EPS Growth YoY (%)	-26.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—
Net Income Growth YoY (%)	-34.7% Weak Weak Year-over-year change in net income	N/M	N/M	-17.0% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	—	36.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Sep 19, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗
Operating Margin (%) (%)	13.2% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	18.4% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	—	—	16.9% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	—
Effective Tax Rate (%) (%)	23.8% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	10.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	15.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	—	—	14.1% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Sep 19, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	-5.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-145%)	1.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Sep 19, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗
Debt to Equity (x)	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Sep 19, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗
Revenue per Share (USD)	$4.46	$3.95	—	—	—	—
Basic EPS, GAAP (USD)	$0.45	$0.61	$-1.59	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.21	$0.10	—	—	—	—
Book Value per Share (USD)	$22.91	$21.83	$20.98	—	—	—
Tangible Book Value per Share (USD)	$19.69	$18.82	$18.83	—	—	—
Basic Weighted Avg Shares (shares)	7.49M	8.43M	6.83M	0	—	—
Dividend Payout Ratio (%)	46.7% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	16.4% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Sep 19, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$181.79M	$193.78M	$199.48M	$122.08M	$118.23M	$121.94M

📋 What is driving earnings? 4 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Sep 19, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗
Sales/Revenue/Turnover (USD)	$33.45M	$33.31M	—	—	$13.25M	—
Depreciation Expense (USD)	$947.00K	$910.00K	$799.00K	$413.00K	$395.00K	—
Net Income, GAAP (USD)	$3.35M	$5.14M	$-10.86M	$1.55M	$1.87M	—
Operating Cash Flow (USD)	$10.70M	$4.67M	$-1.74M	$2.32M	$1.03M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Sep 19, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗
Net Interest Margin (approx.) (%)	2.6%	2.7%	2.9%	2.1%	1.8%	—
Efficiency Ratio (%) (%)	85.1%	81.2%	—	—	83.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 6 years · 18 quarters

SR Bancorp, Inc.

Analytical Summary

6-Year Financial Trajectory

Health Breakdown

Dividend History

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