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SRBK

SR Bancorp, Inc. Common stock

SRBK

SR Bancorp, Inc. Common stock • NASDAQ
$15.39 ▼ -0.13% (-0.02)
Market Cap $123.29 M
52w High $15.46
52w Low $11.21
Dividend Yield 0.10%
P/E 28.5
Volume 7.77K
Outstanding Shares 8.01M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q1-2025 $0 ▼ $0 ▼ $0 ▼ 0% ▼ $0.088 ▼ $0 ▼
Q4-2024 $13.589M ▲ $6.669M ▼ $2.211M ▲ 16.271% ▲ $0.1 ▲ $2.964M ▲
Q3-2024 $12.024M ▼ $7.062M ▲ $537K ▼ 4.466% ▼ $0.065 ▼ $1.176M ▼
Q2-2024 $12.172M ▼ $6.509M ▼ $1.021M ▼ 8.388% ▼ $0.12 ▼ $1.917M ▼
Q1-2024 $12.268M $6.819M $1.367M 11.143% $0.16 $2.413M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q1-2025 $0 ▼ $1.11B ▲ $918.163M ▲ $191.933M ▼
Q4-2024 $58.016M ▼ $1.084B ▲ $890.625M ▲ $193.78M ▼
Q3-2024 $62.224M ▲ $1.074B ▲ $878.839M ▲ $195.068M ▼
Q2-2024 $53.456M ▲ $1.065B ▲ $866.36M ▲ $198.145M ▼
Q1-2024 $47.325M $1.053B $852.416M $200.544M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q1-2025 $693K ▼ $0 ▼ $0 ▲ $0 ▼ $0 ▲ $0 ▼
Q4-2024 $2.211M ▲ $1.737M ▼ $-12.564M ▼ $6.382M ▼ $-4.445M ▼ $1.561M ▼
Q3-2024 $537K ▼ $2.571M ▲ $-2.362M ▲ $8.589M ▼ $8.798M ▲ $2.497M ▲
Q2-2024 $1.021M ▼ $-1.432M ▼ $-3.85M ▲ $11.41M ▼ $6.128M ▲ $-1.533M ▼
Q1-2024 $1.367M $1.789M $-31.707M $31.307M $1.389M $1.707M

Five-Year Company Overview

Income Statement

Income Statement SR Bancorp’s income statement shows a small but growing bank that has just worked through a disruptive transition year. Revenue has been trending up steadily from a low base, suggesting that the combined institution is starting to scale. Profitability dipped into a noticeable loss around the time of the merger and conversion, which is common when one‑time costs and integration expenses hit. More recently, earnings have swung back to a clear profit, with better operating performance and a healthier bottom line per share. The story here is one of gradual growth, a temporary setback tied to restructuring, and an early stage recovery in profitability rather than a long record of stable results.

Balance Sheet

Balance Sheet The balance sheet looks like a conservatively built community bank that is getting larger. Total assets have grown meaningfully, reflecting expansion of the loan book and franchise after the merger. Cash levels are modest but stable, consistent with a regional bank that largely puts deposits to work in loans and securities. Debt is present but still quite limited relative to the size of the balance sheet, which points to a cautious funding approach. Equity has increased over time, helped by the mutual‑to‑stock conversion and retained earnings, providing a reasonable capital cushion for a bank of this size. Overall, the balance sheet appears straightforward, with growth but not aggressive leverage.

Cash Flow

Cash Flow The reported cash flow data here are effectively blank, so it is hard to draw firm conclusions from this source. In general, for banks, traditional free cash flow metrics are less useful because normal lending and deposit activities move large amounts of cash in and out every period. What matters more is the stability of deposits, the quality and performance of the loan portfolio, and capital levels. Without detailed disclosures on operating cash flows, loan originations, and funding mix, cash‑flow quality can’t be fully assessed from this snapshot alone.

Competitive Edge

Competitive Edge SR Bancorp competes as a classic community bank rather than as a technology leader. Its strengths are deep local roots in New Jersey, long operating history, and a relationship‑driven culture where lending decisions are made locally. The recent merger combined strengths in residential and commercial lending, giving the bank a broader product set for households, small businesses, and municipalities. Designation as a preferred small‑business lender and targeted products for niche customer groups support this relationship model. On the other hand, SRBK operates in a crowded regional banking market, facing pressure from larger banks with more resources and from digital‑only players. Its edge is intimacy with local customers and service, not scale or proprietary technology, which can be a strength in stable times but a vulnerability if competition on price or digital experience intensifies.

Innovation and R&D

Innovation and R&D Innovation at SR Bancorp is practical and incremental rather than groundbreaking. The bank offers the standard suite of digital tools—online and mobile banking, mobile deposit, Zelle, and business treasury features—keeping it on par with typical regional peers. These are important for customer convenience but do not create a unique technological advantage. Instead, SRBK’s “innovation” is mostly in product tailoring: specialized programs for small businesses, lower‑income borrowers, attorneys, and municipalities, plus a correspondent loan program that adds flexibility. Like most banks, it does not run a large formal R&D program; its focus is on adopting proven technologies and improving customer service rather than developing new platforms from scratch.

Summary

SR Bancorp is a newly public, community‑focused regional bank that has just come through a major merger and structural change. Financially, it shows a pattern of modest growth, a one‑time earnings setback tied to its transition, and a return to profitability as integration progresses. The balance sheet appears conservative for its size, with growing assets, solid equity, and limited reliance on debt. Its competitive story centers on long‑standing community relationships, local decision‑making, and specialized lending offerings, not on proprietary technology or national scale. Going forward, the key themes to watch are how well it continues to integrate the merger, manages credit and interest‑rate risk, grows its commercial and small‑business franchise, and keeps its digital and service offerings strong enough to retain and deepen local customer relationships in a very competitive banking environment.

NEWS

November 20, 2025 · 8:30 AM UTC

SR BANCORP, INC. ANNOUNCES MANAGEMENT CHANGES

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October 30, 2025 · 4:35 PM UTC

SR BANCORP, INC. ANNOUNCES QUARTERLY FINANCIAL RESULTS

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September 22, 2025 · 8:30 AM UTC

SR BANCORP, INC. ANNOUNCES PAYMENT OF QUARTERLY CASH DIVIDEND OF $0.05 PER SHARE

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September 12, 2025 · 4:00 PM UTC

SR BANCORP, INC. ANNOUNCES FOURTH QUARTER AND ANNUAL FINANCIAL RESULTS (CORRECTED)

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