SR Bancorp, Inc. (SRBK) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
SR Bancorp, Inc. (SRBK) trades at $19.79 with AI Score 64/100 (Grade B+). SR Bancorp, Inc. , operating through Somerset Savings Bank, provides commercial banking services to individuals and small businesses in New Jersey. Market cap: $144M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: May 4, 2026SRBK stock analysis for 2026: Analysts have set a consensus price target of $18.00 for SR Bancorp, Inc., suggesting 9.0% downside from the current price of $19.79. The AI MoonshotScore is 64/100, indicating a bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
SRBK: the 3 scored disciplines are evenly split. Dominant signal: Ken Griffin bearish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
SR Bancorp, Inc. (SRBK) Financial Services Profile
SR Bancorp, Inc., via Somerset Savings Bank, offers commercial banking services in New Jersey, focusing on deposit and loan products for individuals and small businesses. With a community-centric approach, SRBK navigates the competitive regional banking landscape, balancing growth with risk management and regulatory compliance.
What Is the Investment Thesis for SRBK?
SR Bancorp, Inc. presents a community banking model with a focus on the New Jersey market. With a market capitalization of $144M and a P/E ratio of 28.7, SRBK demonstrates a relatively stable financial profile, supported by a profit margin of 9.0% and a gross margin of 64.7%. The company's beta of 0.49 suggests lower volatility compared to the broader market. Key value drivers include SRBK's established presence in its local markets and its focus on relationship banking. Growth catalysts involve expanding its loan portfolio and deposit base within its existing branch network. Potential risks include interest rate sensitivity and competition from larger financial institutions. The dividend yield of 1.08% offers a modest income stream for investors.
Based on FMP financials and quantitative analysis
SRBK Key Highlights
Market capitalization of $144M indicates a small-cap regional bank.
- P/E ratio of 28.7 reflects investor expectations for future earnings growth.
- Profit margin of 9.0% demonstrates the company's ability to generate profits from its operations.
- Gross margin of 64.7% highlights efficient management of interest income and expenses.
- Dividend yield of 1.08% provides a modest return to shareholders.
Who Are SRBK's Competitors?
SRBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| CFFI C&F Financial Corporation | $88.84 | +1.86% | $289M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| TSBK Timberland Bancorp, Inc. | $46.33 | +0.70% | $363M | 91 |
| NWFL Norwood Financial Corp. | $33.78 | +0.54% | $368M | 93 |
| FNLC The First Bancorp, Inc. | $35.04 | +1.48% | $395M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SRBK's Key Strengths?
Strong local presence in New Jersey.
- Long-standing relationships with customers.
- Community-focused approach.
- Stable deposit base.
What Are SRBK's Weaknesses?
Limited geographic diversification.
- Reliance on interest income.
- Smaller scale compared to larger banks.
- Potential interest rate sensitivity.
What Could Drive SRBK Stock Higher?
Potential for increased lending activity due to economic growth in New Jersey.
- Focus on improving operational efficiency to enhance profitability.
- Investment in digital banking technologies to attract and retain customers.
What Are the Key Risks for SRBK?
Financial-distress signal — its Altman Z-Score of 1.20 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 2 of the last 4 reported quarters.
- Rich valuation — a P/E of 28.7 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Interest rate increases could negatively impact net interest margin.
- Economic downturns could lead to increased loan losses.
- Competition from larger banks and credit unions.
- Regulatory compliance costs could increase.
What Are the Growth Opportunities for SRBK?
- Expansion of Loan Portfolio: SR Bancorp can grow by expanding its loan portfolio, particularly in commercial real estate and small business lending, within its existing geographic footprint. The market for small business loans in New Jersey is estimated to be substantial, offering significant growth potential. Timeline: Ongoing.
- Increase Deposit Base: SR Bancorp can increase its deposit base by attracting new customers and deepening relationships with existing customers. Offering competitive interest rates and convenient banking services can drive deposit growth. The market for deposits in Hunterdon, Middlesex, and Somerset Counties is substantial. Timeline: Ongoing.
- Technology Investments: Investing in digital banking technologies can enhance customer experience and attract younger customers. Mobile banking, online account opening, and digital payment solutions are essential for remaining competitive. The market for digital banking services is growing rapidly. Timeline: Ongoing.
- Strategic Acquisitions: SR Bancorp could pursue strategic acquisitions of smaller banks or branches in adjacent markets to expand its geographic reach and customer base. Consolidation in the banking industry presents opportunities for growth through acquisitions. Timeline: Potential.
- Fee Income Generation: SR Bancorp can increase its fee income by offering additional financial services such as wealth management, insurance, and investment products. Diversifying revenue streams can improve profitability and reduce reliance on interest income. The market for wealth management services is growing. Timeline: Ongoing.
What Are SRBK's Competitive Advantages?
- Strong local presence and brand recognition in its target markets.
- Long-standing relationships with customers.
- Deep understanding of the local economy.
- Community-focused approach.
What Does SRBK Do?
Founded in 1887 and headquartered in Bound Brook, New Jersey, SR Bancorp, Inc. operates through its subsidiary, Somerset Savings Bank, SLA, providing a range of commercial banking services. The bank primarily serves individuals and small businesses across Hunterdon, Middlesex, and Somerset Counties in New Jersey. Its core offerings include various deposit products such as checking, savings, and money market accounts, alongside loan products encompassing residential mortgages, commercial real estate loans, and small business loans. Somerset Savings Bank has evolved from a traditional savings and loan association into a full-service community bank. The bank's strategy emphasizes building long-term relationships with its customers by providing personalized service and local expertise. This approach allows SR Bancorp to maintain a strong presence in its target markets despite competition from larger regional and national banks. SR Bancorp's commitment to its local communities is reflected in its branch network and its focus on supporting local businesses and residents. The company's long history in the region underscores its stability and its deep understanding of the local economy.
What Products and Services Does SRBK Offer?
- Provides commercial banking services to individuals and small businesses.
- Offers various deposit products, including checking, savings, and money market accounts.
- Provides loan products, including residential mortgages, commercial real estate loans, and small business loans.
- Operates branches in Hunterdon, Middlesex, and Somerset Counties, New Jersey.
- Focuses on building long-term relationships with customers.
- Supports local businesses and residents in its communities.
How Does SRBK Make Money?
- Generates revenue primarily from interest income on loans.
- Collects fees for various banking services.
- Manages interest rate risk to maintain profitability.
- Focuses on serving local communities in New Jersey.
What Industry Does SRBK Operate In?
SR Bancorp, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving regulatory requirements. The industry is influenced by factors such as interest rate movements, economic growth, and technological advancements. Regional banks like SRBK compete with larger national banks and credit unions for market share. The trend towards digital banking and mobile payments is reshaping the competitive landscape, requiring regional banks to invest in technology to remain competitive. SR Bancorp's focus on community banking and local relationships provides a competitive advantage in its target markets.
Who Are SRBK's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Commercial real estate investors.
- Local residents in Hunterdon, Middlesex, and Somerset Counties, New Jersey.
Company Profile
SR Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Bound Brook, US. The company is led by CEO Christopher J. Pribula. SRBK has traded publicly since 2023.
SR Bancorp, Inc. Financial Trajectory
SR Bancorp, Inc. (SRBK) reported $13.4M in revenue for Q2 2026, reflecting 7.5% growth compared to the prior quarter. The company recorded net income of $940K, with diluted EPS of $0.13. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, SRBK averaged $0.11 in diluted EPS.
How SR Bancorp, Inc. Is Valued
SR Bancorp, Inc. carries a market capitalization of $144M, placing it in the micro-cap category. Relative to its peer group, SRBK's quantitative score of 64/100 is below the peer average of 92/100.
Key Financial Metrics
Return on equity for SR Bancorp, Inc. stands at 1.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.3%, showing how much profit it generates from its asset base. SRBK trades at a trailing price-to-earnings ratio of 28.69, above the Financial Services sector average of ~18x. Its free cash flow yield is 4.5%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 2.3%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
SR Bancorp, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.20 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
SR Bancorp, Inc. has missed Wall Street's EPS estimate in 2 of its last 4 reported quarters — a mixed record worth weighing. Reported results have landed about 4.0% below estimates on average.
Forward Outlook
Wall Street analysts project SR Bancorp, Inc. revenue of about $45.3M for fiscal 2027, with EPS near $0.60.
SRBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- SRBK insiders recently increased their holdings, signaling strong confidence in the company's future prospects, similar to how strong insider buying fueled rallies in companies like Palantir.
- The social trading community shows growing optimism around SRBK's strategic shift towards digital banking, mirroring the positive sentiment around fintech adopters like Block.
- SRBK's focus on community banking resonates well in the current economic climate, providing a stable foundation akin to regional banks during the 2008 crisis.
- Recent market developments suggest increased demand for smaller, regional banks, positioning SRBK favorably, much like the resurgence of value stocks post-pandemic.
Bear Case
- Negative community sentiment highlights concerns over SRBK's ability to compete with larger national banks, reminiscent of the challenges faced by smaller retailers against Amazon.
- Recent insider selling, even if minor, could indicate a lack of complete confidence in SRBK's short-term growth potential, similar to concerns surrounding some tech companies during the 2022 market downturn.
- Market perception suggests SRBK may be vulnerable to interest rate hikes, potentially impacting loan growth, similar to the pressure faced by mortgage-heavy companies.
- The social trading community expresses skepticism about SRBK's long-term innovation strategy, questioning its ability to adapt to evolving market trends, echoing concerns about legacy automakers transitioning to EVs.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $13M | $940,000 | $0.13 |
| Q1 2026 | $12M | $886,000 | $0.12 |
| Q4 2025 | $13M | $834,000 | $0.11 |
| Q3 2025 | $13M | $693,000 | $0.09 |
Based on FMP financials and quantitative analysis
SRBK Latest News
No recent news available for SRBK.
SRBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SRBK.
Price Targets
Consensus target: $18.00
SRBK MoonshotScore
What does this score mean?
The MoonshotScore rates SRBK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Christopher J. Pribula
Unknown
Information regarding Christopher J. Pribula's background is not available in the provided context. Without access to his career history, education, and previous roles, a comprehensive profile cannot be created. Further research would be needed to provide a detailed overview of his professional experience and qualifications.
Track Record: Information regarding Christopher J. Pribula's track record is not available in the provided context. Without specific achievements, strategic decisions, and company milestones under his leadership, a comprehensive assessment cannot be made. Further research would be needed to provide a detailed overview of his performance and contributions to SR Bancorp, Inc.
SRBK Financial Services Stock FAQ
What does the AI Score mean for SRBK?
SRBK holds an AI Score of 64/100 (Grade: B+). This is an educational research signal, not a buy or sell recommendation. SR Bancorp, Inc., operating through Somerset Savings Bank, provides commercial banking services to individuals and small businesses in New Jersey. The company focuses on offering deposit and loan …
What does SR Bancorp, Inc. Common stock do?
SR Bancorp, Inc., through its subsidiary Somerset Savings Bank, provides commercial banking services to individuals and small businesses in New Jersey. The bank offers a range of deposit products, including checking, savings, and money market accounts, as well as loan products such as residential mortgages, commercial real estate loans, and small business loans.
What do analysts say about SRBK stock?
Analyst coverage of SRBK is Unknown. Key valuation metrics include a P/E ratio of 28.7 and a dividend yield of 1.08%. Growth considerations involve SRBK's ability to expand its loan portfolio, increase its deposit base, and manage interest rate risk. Further research is needed to provide a comprehensive summary of analyst consensus and recommendations.
What are the main risks for SRBK?
The main risks for SRBK include interest rate sensitivity, economic downturns, competition from larger banks, and regulatory changes. Rising interest rates could negatively impact SRBK's net interest margin and profitability. Economic downturns could lead to increased loan losses and reduced demand for banking services. Competition from larger banks and credit unions could pressure SRBK's market share. Regulatory compliance costs could increase, impacting SRBK's financial performance.
How sensitive is SRBK to interest rate changes?
SRBK's profitability is sensitive to interest rate changes, as its net interest margin is affected by the difference between the interest rates it earns on loans and the interest rates it pays on deposits. Rising interest rates could increase SRBK's funding costs and reduce its net interest margin, while falling interest rates could decrease its loan yields.
What is SR Bancorp, Inc. Common stock's credit quality and risk management approach?
SR Bancorp, Inc. Common stock's credit quality and risk management approach are Unknown. An assessment of SR Bancorp, Inc. Common stock's loan portfolio quality, provision levels, and risk management frameworks is needed to evaluate its credit risk profile. Further research is required to determine the company's approach to managing credit risk and its ability to mitigate potential loan losses.
What are the key factors to evaluate for SRBK?
SR Bancorp, Inc. (SRBK) holds an AI score of 64/100 (moderate). P/E: 28.7x vs the S&P 500's ~20-25x. Analysts target $18.00 (-9%). Not financial advice.
How frequently does SRBK data refresh on this page?
SRBK's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SRBK's recent stock price performance?
SR Bancorp, Inc. (SRBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in New Jersey. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is limited to the provided context.
- Analyst consensus and detailed financial analysis are not available.