📊 SRBK Key Takeaways
Is SR Bancorp, Inc. (SRBK) a Good Investment?
SR Bancorp exhibits severe profitability challenges with ROE of 1.3% and ROA of 0.2%, indicating poor capital efficiency typical of a struggling regional bank. The interest coverage ratio of 0.4x is critically low, signaling operating income insufficient to cover interest obligations. While the balance sheet shows no long-term debt and positive cash flow, these cannot offset deteriorating operational fundamentals.
SR Bancorp, Inc. Key Strengths (SRBK)
- Zero long-term debt position provides financial flexibility and reduces default risk
- Positive operating and free cash flow generation ($6.8M and $6.1M respectively) demonstrates cash-generating capability
- Strong free cash flow margin of 16.7% relative to revenue shows efficiency in cash deployment
SRBK Stock Risks: SR Bancorp, Inc. Investment Risks
- Interest coverage ratio of 0.4x indicates operating income severely inadequate to service interest expenses, creating solvency concerns
- Abysmal return metrics (ROE 1.3%, ROA 0.2%) reveal severely depressed profitability and asset utilization for a financial institution
- Flat net income growth (+0.0% YoY) despite EPS growth of 138.4% suggests unsustainable earnings driven by share buybacks rather than operational improvement
- Small revenue base ($36.7M) with lack of YoY growth data suggests stagnation in a competitive banking sector
Key Metrics to Watch
- Interest coverage ratio trend - critical indicator of ability to service debt obligations
- Return on equity and return on assets - fundamental profitability metrics for banking sector
- Net income growth trajectory - watch for sustaining profitability without relying on share buybacks
SR Bancorp, Inc. (SRBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
SRBK Profit Margin, ROE & Profitability Analysis
SRBK vs Finance Sector: How SR Bancorp, Inc. Compares
How SR Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is SR Bancorp, Inc. Stock Overvalued? SRBK Valuation Analysis 2026
Based on fundamental analysis, SR Bancorp, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
SR Bancorp, Inc. Balance Sheet: SRBK Debt, Cash & Liquidity
SRBK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: SR Bancorp, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-1.59 indicates the company is currently unprofitable.
SRBK Revenue Growth, EPS Growth & YoY Performance
SR Bancorp, Inc. Dividends, Buybacks & Capital Allocation
SRBK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for SR Bancorp, Inc. (CIK: 0001951276)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SRBK
What is the AI rating for SRBK?
SR Bancorp, Inc. (SRBK) has an AI grade of C with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SRBK's key strengths?
Claude: Zero long-term debt position provides financial flexibility and reduces default risk. Positive operating and free cash flow generation ($6.8M and $6.1M respectively) demonstrates cash-generating capability.
What are the risks of investing in SRBK?
Claude: Interest coverage ratio of 0.4x indicates operating income severely inadequate to service interest expenses, creating solvency concerns. Abysmal return metrics (ROE 1.3%, ROA 0.2%) reveal severely depressed profitability and asset utilization for a financial institution.
What is SRBK's revenue and growth?
SR Bancorp, Inc. reported revenue of $36.7M.
Does SRBK pay dividends?
SR Bancorp, Inc. pays dividends, with $1.2M distributed to shareholders in the trailing twelve months.
Where can I find SRBK SEC filings?
Official SEC filings for SR Bancorp, Inc. (CIK: 0001951276) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SRBK's EPS?
SR Bancorp, Inc. has a diluted EPS of $0.31.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is SRBK's fundamental grade?
Based on our AI fundamental analysis in May 2026, SR Bancorp, Inc. has a C grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SRBK stock overvalued or undervalued?
Valuation metrics for SRBK: ROE of 1.3% (sector avg: 12%), net margin of 6.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is SRBK's AI grade for 2026?
Our dual AI analysis gives SR Bancorp, Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is SRBK's free cash flow?
SR Bancorp, Inc.'s operating cash flow is $6.8M, with capital expenditures of $703.0K. FCF margin is 16.7%.
How does SRBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 6.6% (avg: 25%), ROE 1.3% (avg: 12%), current ratio N/A (avg: 1.2).