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SRBKSR Bancorp, Inc. Common stock
$19.34$144M
Overview & Verdict
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SRBK logoSR Bancorp, Inc. Common stock(SRBK)Earnings, Financials & Key Ratios

SRBK•NASDAQ•Banking & Credit
$19.34
31.7× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutSR Bancorp, Inc., through its subsidiary, Somerset Savings Bank, SLA, provides commercial banking services. The company offers various deposit and loan products to individuals and small businesses. It operates branches in Hunterdon, Middlesex, and Somerset Counties, New Jersey. The company was founded in 1887 and is based in Bound Brook, New Jersey.Show more
  • Net Interest Income$30M+0.7%
  • Total Revenue$50M+30.4%
  • Net Income$5M+147.3%
  • Return on Equity2.61%+138.7%
  • Net Interest Margin2.73%-5.2%
  • Efficiency Ratio54.06%-40.0%
  • ROA0.49%+137.6%
  • Equity / Assets17.87%-8.6%
  • Book Value per Share22.95-21.4%

SRBK Price & Volume

SR Bancorp, Inc. Common stock (SRBK) stock price & volume — 10-year historical chart

Loading chart...

Stagnant Asset Growth Masks Capital Allocation Risks

Investment Thesis • Updated 2025Q3

VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE concentration and NIM

Key Thesis Takeaways

  • SR Bancorp faces a challenging outlook characterized by persistent net interest margin compression at 0.7% and a lack of organic asset growth, with total assets remaining flat at $1.1 billion for ten consecutive quarters.
  • The bank's strategy of prioritizing aggressive share repurchases, including $5.0 million in buybacks during 2025Q3, appears to be depleting capital buffers rather than driving earnings expansion.
  • Investors should monitor the bank's heavy reliance on a $1.1 billion investment securities portfolio, which may mask underlying credit risks and limit future profitability potential.

Verdict Logic

the bank's reliance on capital liquidation to fund buybacks, combined with a stagnant 0.7% net interest margin, suggests limited capacity for sustainable long-term value creation.

SRBK Growth Metrics

SR Bancorp, Inc. Common stock (SRBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years-
3 Years50.16%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years40.02%
TTM4421.5%

EPS CAGR

10 Years-
5 Years-
3 Years45.02%
TTM12886.96%

Return on Capital

10 Years0.07%
5 Years0.07%
3 Years-0.83%
Last Year2.71%

SRBK Recent Earnings

SR Bancorp, Inc. Common stock (SRBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 1/12 qtrs (33%)●Beat Revenue 0/12 qtrs (0%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$0.11+10.0%
$0.10
Rev
$8M-1.7%
$9M
Q1 2026
Jan 28, 2026
Metric
Actual
Est
EPS
$0.09-18.2%
$0.11
Rev
$8M-1.5%
$9M
Q4 2025
Oct 30, 2025
Metric
Actual
Est
EPS
$0.09+0.0%
$0.09
Rev
$8M-0.5%
$8M
Q4 2025
Sep 29, 2025
Metric
Actual
Est
EPS
$0.27
—
Rev
$14M
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.11vs $0.10+10.0%
$8Mvs $9M-1.7%
Q1 2026Jan 28, 2026
$0.09vs $0.11-18.2%
$8Mvs $9M-1.5%
Q4 2025Oct 30, 2025
$0.09vs $0.09+0.0%
$8Mvs $8M-0.5%
Q4 2025Sep 29, 2025
$0.27
$14M
Based on last 12 quarters of dataView full earnings history →

Latest SRBK News

Recent stock market news and headlines for SR Bancorp, Inc. Common stock (SRBK)

PRNewsWire·Jun 18, 2026
SR BANCORP, INC. ANNOUNCES 20% INCREASE IN QUARTERLY DIVIDEND

BOUND BROOK, N.J., June 18, 2026 /PRNewswire/ -- SR Bancorp, Inc. (NASDAQ: SRBK), the holding company for Somerset Regal Bank, announced that its Board of Directors has declared the payment of a quarterly cash dividend of $0.06 per share, an increase of $0.01 per share, or 20%, payable on July 15, 2026 to stockholders of record as of June 30, 2026.

Peers Comparison

Key metrics vs top competitors for SR Bancorp, Inc. Common stock (SRBK)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
SRBK logoSRBKSR Bancorp, Inc. Common stockCurrent
$19.34$143.79M31.7030.42%10.26%2.61%0.27%
NBTB logoNBTBNBT Bancorp Inc.
$50.16$2.61B15.0610.36%19.66%9.83%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.65$175.44M14.01-1.44%12.96%7.98%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.10$222.78M15.82-9.41%16.49%8%—
NECB logoNECBNortheast Community Bancorp, Inc.
$27.68$382.93M8.52-1.55%28.51%12.62%—
NFBK logoNFBKNorthfield Bancorp, Inc.
$14.81$618.52M747.98-26.69%1.79%0.68%—

Compare SRBK vs Peers

SR Bancorp, Inc. Common stock (SRBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for SRBK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare SRBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, MNSB, CZWI, NECB

SRBK SEC Filings & Documents

SR Bancorp, Inc. Common stock (SRBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 18, 2026·SEC

Material company update

May 21, 2026·SEC

Material company update

Apr 28, 2026·SEC

10-K Annual Reports

3
FY 2025

Sep 29, 2025·SEC

FY 2024

Oct 16, 2024·SEC

FY 2023

Sep 28, 2023·SEC

10-Q Quarterly Reports

6
FY 2026

May 15, 2026·SEC

FY 2026

Feb 13, 2026·SEC

FY 2025

Nov 14, 2025·SEC

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SRBK Frequently Asked Questions

SR Bancorp, Inc. Common stock (SRBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is SR Bancorp, Inc. Common stock growing?

SR Bancorp, Inc. Common stock (SRBK) grew revenue by 30.4% over the past year. This is strong growth.

Is SRBK profitable?

Yes, SR Bancorp, Inc. Common stock (SRBK) is profitable, generating $4.6M in net income for fiscal year 2024 (10.3% net margin).

Dividend & Returns
Does SRBK pay dividends?

Yes, SR Bancorp, Inc. Common stock (SRBK) pays a dividend with a yield of 0.27%. This makes it attractive for income-focused investors.

What is SRBK's return on equity?

SR Bancorp, Inc. Common stock (SRBK) has a return on equity (ROE) of 2.6%. This is below average, suggesting room for improvement.

Industry Metrics
What is SR Bancorp, Inc. Common stock's net interest margin?

SR Bancorp, Inc. Common stock (SRBK) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

What is SR Bancorp, Inc. Common stock's efficiency ratio?

SR Bancorp, Inc. Common stock (SRBK) has an efficiency ratio of 54.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SRBK back in 2020?

Total return calculator · dividends reinvested · 6+ years of data

See returns →