Latest Ratios: P/E Ratio 31.2x · EV/EBITDA 13.8x · ROE 2.6%. (2020–2024 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Market Cap | $141M | $114M | $63M | — | — | — |
| Enterprise Value | $117M | $89M | $20M | — | — | — |
| P/E Ratio → | 31.20 | 22.13 | — | — | — | — |
| P/S Ratio | 2.83 | 2.28 | 1.65 | — | — | — |
| P/B Ratio | 0.83 | 0.59 | 0.32 | — | — | — |
| P/FCF | 33.43 | 26.94 | — | — | — | — |
| P/OCF | 30.33 | 24.44 | — | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.79 | 0.51 | — | — | — |
| EV / EBITDA | 13.80 | 10.56 | — | — | — | — |
| EV / EBIT | 19.08 | 14.60 | — | — | — | — |
| EV / FCF | — | 21.13 | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Gross Margin | 66.3% | 66.3% | 59.5% | 86.0% | 89.6% | 83.2% |
| Operating Margin | 12.2% | 12.2% | -30.7% | 10.4% | 15.1% | 9.7% |
| Net Profit Margin | 10.3% | 10.3% | -28.3% | 8.9% | 12.7% | 8.7% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| ROE | 2.6% | 2.6% | -6.8% | 1.3% | 1.6% | 1.0% |
| ROA | 0.5% | 0.5% | -1.3% | 0.2% | 0.3% | 0.2% |
| ROIC | 2.1% | 2.1% | -5.1% | 1.0% | 1.4% | 0.9% |
| ROCE | 2.7% | 2.7% | -6.5% | 1.3% | 1.7% | 1.1% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.17 | 0.01 | 0.16 | — | — |
| Debt / EBITDA | 3.92 | 3.92 | — | 9.11 | — | — |
| Net Debt / Equity | — | -0.13 | -0.22 | -0.18 | -0.30 | -0.47 |
| Net Debt / EBITDA | -2.90 | -2.90 | — | -10.21 | -13.44 | -30.73 |
| Debt / FCF | — | -5.81 | — | -12.43 | -49.92 | -26.45 |
| Interest Coverage | 0.37 | 0.37 | -1.02 | 0.74 | 1.46 | 0.58 |
Net cash position: cash ($58M) exceeds total debt ($33M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Current Ratio | 0.07 | 0.07 | 0.06 | 0.16 | 0.16 | 0.21 |
| Quick Ratio | 0.07 | 0.07 | 0.06 | 0.16 | 0.16 | 0.21 |
| Cash Ratio | 0.07 | 0.07 | 0.06 | 0.08 | 0.07 | 0.11 |
| Asset Turnover | — | 0.05 | 0.04 | 0.03 | 0.02 | 0.02 |
| Inventory Turnover | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Dividend Yield | 0.3% | 0.4% | — | — | — | — |
| Payout Ratio | 8.6% | 8.6% | — | — | — | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Earnings Yield | 3.2% | 4.5% | — | — | — | — |
| FCF Yield | 3.0% | 3.7% | — | — | — | — |
| Buyback Yield | 8.0% | 9.9% | 0.0% | — | — | — |
| Total Shareholder Yield | 8.3% | 10.3% | 0.0% | — | — | — |
| Shares Outstanding | — | $8M | $7M | $10M | $10M | $10M |
CRE concentration and NIM
As reported in financial statements, SRBK trades at a P/B of 0.84, a valuation that appears to reflect the market's skepticism regarding the bank's ability to deploy its post-conversion capital base effectively to generate competitive returns on tangible equity compared to its regional peers.
The current P/B multiple suggests that investors are pricing the bank as a commodity balance sheet rather than a growth franchise. This valuation discount is likely a function of the bank's low ROE, which currently struggles to exceed 1%, indicating that the market is waiting for evidence of profitable asset deployment before re-rating the stock.
Based on the provided financial data, SRBK's ROE remains severely constrained at 0.5% as of 2025Q3, a result of a compressed 0.7% NIM and an asset utilization profile that is heavily skewed toward lower-yielding investment securities rather than higher-margin commercial loan originations.
The bank's profitability is currently hindered by a lack of operating leverage, as the efficiency ratio remains elevated near 57.6%. Without a shift toward a more loan-heavy asset mix, the bank may continue to face difficulty in generating the earnings power necessary to justify its current capital structure.
According to recent quarterly filings, SRBK's NIM has remained stagnant at 0.7% for ten consecutive quarters, suggesting that the bank's funding costs are effectively neutralizing any potential yield benefits from its interest-earning assets in the current competitive New Jersey banking environment.
The persistent margin compression indicates that the bank lacks the pricing power to pass on higher funding costs to its borrowers. Investors should monitor whether the bank's efficiency ratio, which has fluctuated significantly, can be stabilized as the integration of recent acquisitions concludes.
As noted in the balance sheet data, SRBK maintains an equity-to-assets ratio of 0.16, which provides a significant safety buffer but simultaneously acts as a drag on ROE by holding excess capital that is not currently being deployed into high-yielding commercial lending opportunities.
While this capital-rich position offers protection against regional economic volatility, it limits the bank's ability to achieve industry-standard return metrics. The bank's strategy of returning capital through buybacks appears to be a defensive response to this capital drag rather than a sign of organic growth.
Based on the provided financial data, the P/E ratio of 31.74 is a highly misleading metric for SRBK, as it fails to account for the distortive impact of one-time conversion expenses and the bank's current phase of excess capital accumulation following its mutual-to-stock transition.
Using P/E to evaluate a bank in this stage of its lifecycle obscures the underlying earnings power and ignores the significant capital buffer that differentiates it from more leveraged peers. Analysts should prioritize P/TBV as a more reliable indicator of value, as it better reflects the bank's tangible asset base and capital adequacy.
Includes 30+ ratios · 5 years · Updated daily
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Quick answers to the most common questions about buying SRBK stock.
SR Bancorp, Inc. Common stock's current P/E ratio is 31.2x. The historical average is 22.1x. This places it at the 100th percentile of its historical range.
SR Bancorp, Inc. Common stock's current EV/EBITDA is 13.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.6x.
SR Bancorp, Inc. Common stock's return on equity (ROE) is 2.6%. The historical average is -0.1%.
Based on historical data, SR Bancorp, Inc. Common stock is trading at a P/E of 31.2x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
SR Bancorp, Inc. Common stock's current dividend yield is 0.28% with a payout ratio of 8.6%.
SR Bancorp, Inc. Common stock has 66.3% gross margin and 12.2% operating margin. Operating margin between 10-20% is typical for established companies.
SR Bancorp, Inc. Common stock's Debt/EBITDA ratio is 3.9x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.