SRBK
BEARISH
$18.03
Live
SR Bancorp, Inc. · NASDAQ
Target $18.0
(-0.2%)
$12.3
52W Range
$18.18
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 20, 2026
Market cap
$141.84M
P/E
33.39
ROE
2.2%
Profit margin
13.5%
Debt/Equity
N/A
Dividend yield
1.11%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
SRBK presents a significant divergence between its current market price and its fundamental performance. While the Piotroski F-Score of 4/9 indicates stable health and the Price-to-Book ratio (0.73) suggests an asset-based discount, the company is suffering from severe earnings decay with a -18.30% Q/Q earnings growth and a 0/4 track record of beating estimates. The current price of $18.03 is trading at a premium to its intrinsic value ($3.78) and is sitting at a 52-week high despite a critically bearish technical trend score of 10/100. This suggests a 'valuation trap' where the stock is priced for growth that is not manifesting in the financial statements.
Key Strengths
Low Price-to-Book ratio (0.73) indicating the stock trades below book value
Current price is closely aligned with the Graham Number ($17.38)
Positive year-over-year revenue growth of 6.00%
Sustainable dividend payout ratio of 37.04%
Strong 1-year price performance (+44.9%)
Key Risks
Consistent earnings misses (0/4 quarters beat estimates)
Negative earnings growth both YoY (-7.50%) and Q/Q (-18.30%)
Extremely low Return on Equity (ROE) of 2.21% and ROA of 0.39%
Severe technical trend weakness (10/100) despite price being near 52-week high
High P/E ratio (33.39) relative to negative earnings growth
AI Fair Value Estimate
Based on comprehensive analysis
$14.25
-21.0% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
46
Moderate
55
25
65
40
45
AI Verdict
Underperforming Fundamentals
Key drivers: Earnings contraction, Poor ROE/ROA, Technical trend divergence, Consistent earnings misses
Confidence
90%
Value
55/100
Ref P/E, P/B, Graham Number
Positives
- P/B of 0.73
- Price near Graham Number
Watchpoints
- High P/E of 33.39
- Price significantly above intrinsic value ($3.78)
Future
25/100
Ref Growth rates and Earnings Track Record
Positives
- Modest revenue growth
Watchpoints
- Negative earnings growth
- Poor earnings surprise history (-18.64%)
Past
65/100
Ref Historical price trends
Positives
- Strong 1Y and 6M price appreciation
Watchpoints
- Fundamental decay during price rally
Health
40/100
Ref Piotroski F-Score and Profitability Metrics
Positives
- Piotroski F-Score of 4/9 (Stable)
Watchpoints
- Abysmal ROE (2.21%)
- Low ROA (0.39%)
Dividend
45/100
Ref Yield, Payout
Positives
- Manageable payout ratio
Watchpoints
- Low dividend yield (1.11%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$18.03
Analyst Target
$18.0
Upside/Downside
-0.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for SRBK and closest competitors.
Updated 2026-04-17
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
SRBK
SR Bancorp, Inc.
Primary
|
+97.7% | +97.7% | +44.9% | +25.7% | +9.9% | +1.8% |
|
SBFG
SB Financial Group, Inc.
Peer
|
+55.3% | +75.0% | +24.1% | +22.2% | +13.3% | +1.1% |
|
RMBI
Richmond Mutual Bancorporation, Inc.
Peer
|
+25.5% | +68.8% | +17.3% | +8.3% | +9.7% | +4.7% |
|
BWG
Legg Mason BW Global Income Opportunities Fund Inc.
Peer
|
+19.4% | +43.0% | +15.9% | +8.0% | +0.8% | +0.7% |
|
BGX
Blackstone Long-Short Credit Income Fund
Peer
|
+30.5% | +36.9% | -0.5% | -2.2% | +0.5% | -0.4% |
SRB
SR Bancorp, Inc.
Primary
5Y
+97.7%
3Y
+97.7%
1Y
+44.9%
6M
+25.7%
1M
+9.9%
1W
+1.8%
SBF
SB Financial Group, Inc.
Peer
5Y
+55.3%
3Y
+75.0%
1Y
+24.1%
6M
+22.2%
1M
+13.3%
1W
+1.1%
RMB
Richmond Mutual Bancorporation, Inc.
Peer
5Y
+25.5%
3Y
+68.8%
1Y
+17.3%
6M
+8.3%
1M
+9.7%
1W
+4.7%
BWG
Legg Mason BW Global Income Opportunities Fund Inc.
Peer
5Y
+19.4%
3Y
+43.0%
1Y
+15.9%
6M
+8.0%
1M
+0.8%
1W
+0.7%
BGX
Blackstone Long-Short Credit Income Fund
Peer
5Y
+30.5%
3Y
+36.9%
1Y
-0.5%
6M
-2.2%
1M
+0.5%
1W
-0.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
33.39
Forward P/E
21.99
PEG Ratio
N/A
P/B Ratio
0.73
P/S Ratio
4.47
EV/Revenue
3.39
EV/EBITDA
N/A
Market Cap
$141.84M
Profitability
Profit margins and return metrics
Profit Margin
13.46%
Operating Margin
14.51%
Gross Margin
N/A
ROE
2.21%
ROA
0.39%
Growth
Revenue and earnings growth rates
Revenue Growth
+6.0%
Earnings Growth
-7.5%
Q/Q Revenue Growth
+6.43%
Q/Q Earnings Growth
-18.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$10.79
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
10.0%
Total Assets
$1.1B
Liabilities
$1.0B
Equity
$0.2B
Debt/Equity
5.07x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
86%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-29
$N/A
2026-01-28
$0.09
-18.6% surprise
2026-01-28
$0.09
-18.6% surprise
2025-10-30
$N/A
Financial Services Sector Comparison
Comparing SRBK against 551 companies in the Financial Services sector
(102 bullish, 225 neutral, 224 bearish)
P/E Ratio
33.39
This Stock
vs
42.93
Sector Avg
-22.2%
(Discount)
Return on Equity (ROE)
2.21%
This Stock
vs
-0.56%
Sector Avg
-497.9%
(Below Avg)
Profit Margin
13.46%
This Stock
vs
49.82%
Sector Avg
-73.0%
(Weaker)
Revenue Growth
6.0%
This Stock
vs
40.32%
Sector Avg
-85.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
SRBK
SR Bancorp, Inc.
|
BEARISH | $141.84M | 33.39 | 2.2% | 13.5% | $18.03 | |
|
SBFG
SB Financial Group, Inc.
|
BULLISH | $142.06M | 10.29 | 10.4% | 21.7% | $22.54 | Compare |
|
RMBI
Richmond Mutual...
|
BULLISH | $142.1M | 12.44 | 8.3% | 24.8% | $14.55 | Compare |
|
BWG
Legg Mason BW Global...
|
BEARISH | $142.23M | 9.21 | -% | -% | $8.47 | Compare |
|
BGX
Blackstone Long-Short...
|
BEARISH | $148.05M | 12.39 | -% | -% | $11.65 | Compare |
SRBK
SR Bancorp, Inc.
BEARISH
Mkt Cap
$142M
P/E
33.4
ROE
2.2%
Price
$18.03
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-16 | FAQUERI HARRIS M. | Chief Financial Officer | Purchase | 3,000 | $49,200 |
| 2026-03-06 | DAVEY MARY E. | Director | Purchase | 320 | $5,218 |
| 2026-03-03 | VIOTTO NEIL C. | Chief Operating Officer | Purchase | 1,000 | $16,829 |
| 2026-02-23 | LUPO THOMAS | Director | Purchase | 1,000 | $16,466 |
| 2026-02-02 | MUSTARD ROBERT KENNETH | Director | Purchase | 250 | $4,262 |
| 2026-01-30 | ORBACH DAVID M | Officer and Director | Option Exercise | 19,016 | $237,700 |
| 2025-12-17 | VIOTTO NEIL C. | Officer | Stock Award | 9,508 | - |
| 2025-12-17 | ORBACH DAVID M | Officer and Director | Stock Award | 1,901 | - |
| 2025-12-17 | PRIBULA CHRISTOPHER J. | President | Stock Award | 5,705 | - |
| 2025-12-04 | MUSTARD ROBERT KENNETH | Director | Purchase | 300 | $4,725 |
| 2025-12-02 | TAYLOR WILLIAM P. | Chief Executive Officer | Purchase | 1,000 | $15,792 |
| 2025-12-02 | TAYLOR WILLIAM P. | Chief Executive Officer | Purchase | 1,000 | $15,475 |
| 2025-11-28 | MUSTARD ROBERT KENNETH | Director | Purchase | 200 | $3,076 |
| 2025-11-26 | MUSTARD ROBERT KENNETH | Director | Purchase | 500 | $7,662 |
| 2025-11-24 | PRIBULA CHRISTOPHER J. | President | Purchase | 1,000 | $15,090 |
FAQUERI HARRIS M.
Chief Financial Officer
2026-03-16
3,000 shares
·
$49,200
DAVEY MARY E.
Director
2026-03-06
320 shares
·
$5,218
VIOTTO NEIL C.
Chief Operating Officer
2026-03-03
1,000 shares
·
$16,829
LUPO THOMAS
Director
2026-02-23
1,000 shares
·
$16,466
MUSTARD ROBERT KENNETH
Director
2026-02-02
250 shares
·
$4,262
ORBACH DAVID M
Officer and Director
2026-01-30
19,016 shares
·
$237,700
VIOTTO NEIL C.
Officer
2025-12-17
9,508 shares
ORBACH DAVID M
Officer and Director
2025-12-17
1,901 shares
PRIBULA CHRISTOPHER J.
President
2025-12-17
5,705 shares
MUSTARD ROBERT KENNETH
Director
2025-12-04
300 shares
·
$4,725
TAYLOR WILLIAM P.
Chief Executive Officer
2025-12-02
1,000 shares
·
$15,792
TAYLOR WILLIAM P.
Chief Executive Officer
2025-12-02
1,000 shares
·
$15,475
MUSTARD ROBERT KENNETH
Director
2025-11-28
200 shares
·
$3,076
MUSTARD ROBERT KENNETH
Director
2025-11-26
500 shares
·
$7,662
PRIBULA CHRISTOPHER J.
President
2025-11-24
1,000 shares
·
$15,090
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
10-Q
8-K
10-Q
8-K
DEF 14A
10-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
1 analysts
Hovde Group
2025-11-18
Market Perform
Past News Coverage
Recent headlines mentioning SRBK from our newsroom.
Newest → oldest
No matching news yet.