SR Bancorp, Inc. is a US-listed company in the regional banks industry. Its financial year ends in June.
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $33m. That puts it 211 of 231 for growth among the regional banks companies we cover. The diluted share count is down 9.6% on a year earlier, which lifts each remaining share.
Our model value for SR Bancorp is under review, so past values are not shown until it is resolved.
Source: 10-K filed September 25, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
SR Bancorp, Inc.'s trailing-twelve-month revenue grew 0.4% year on year, with a free-cash-flow margin of 29.5%. Where it stands out: change in share count of -9.6% ranks 3 of 230 regional banks companies we cover. Where it lags: stock pay as % of revenue of 6.4% ranks 203 of 206 regional banks companies we cover.
Current signal Free cash flow diverging from earnings: TTM free cash flow grew 133.5% while net income fell 34.7%: a 168pp divergence.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Company announcements, filed results and changes that matter to shareholders.
No model value for SR Bancorp, Inc. at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.
The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.
We value SR Bancorp, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 7.7%: the 10-year Treasury yield (4.9%) plus a beta of 0.62 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | ~$4.0 ~$1.4–$8.0 | Primary model, counts double |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | ~$18 ~$5.2–$30 | Included |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$18 ~$24–$36 | Included |
| Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. | ~$4.1 ~$4.7–$6.3 | Included |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. | — | Combined value withheld. Review the individual models and their assumptions. |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare SR Bancorp, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.
No analyst estimates are published for SR Bancorp, Inc.: too few analysts cover it.
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | $0.13 | $0.12 | −10.2% |
| Mar 2026 | $0.10 | $0.10 | +3.7% |
| Dec 2025 | $0.11 | $0.09 | −18.6% |
Adjusted EPS as companies report it, against the average analyst estimate.
Last 12 months +32.3%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $33m | $33m | +0.4% |
| Net margin | 15.4% | 10.0% | −35.0% |
| P/E multiple | 23.9x | 43.8x | +83.3% |
| Share count | 8m | 8m | +10.6% |
Biggest factor: p/e multiple.
| Calendar year | 2024 | 2025 | 2026 to date |
|---|---|---|---|
| Return | |||
| SRBK | +25% | +34% | +23% |
| Industry peers (median) | +16% | +10% | +24% |
| S&P 500 | +25% | +18% | +11% |
| Months that ended higher | |||
| SRBK | 58% | 67% | 46% |
| S&P 500 | 75% | 75% | 46% |
| Largest fall from a high during the year | |||
| SRBK | −7% | −10% | −12% |
| S&P 500 | −8% | −19% | −9% |
Worst fall since September 20, 2023: 14% from September 20, 2023 to November 1, 2023. Getting back needed a 16% gain, reached on November 16, 2023, 15 days after the low.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| October 26, 2026 | +0.8% | +1.3% | +1.9% | — |
| July 28, 2026 | +0.4% | −1.3% | +2.2% | +0.6% |
| April 28, 2026 | +2.2% | −0.5% | −1.6% | +0.3% |
| January 28, 2026 | −1.5% | −0.2% | +2.5% | −2.0% |
| October 30, 2025 | −0.2% | −0.8% | +1.2% | +4.1% |
| July 31, 2025 | +0.1% | −2.0% | −0.4% | +8.0% |
| April 30, 2025 | −0.1% | +0.7% | −0.6% | −2.4% |
| January 31, 2025 | −1.0% | −1.2% | −1.6% | −6.1% |
| October 30, 2024 | 0.0% | −2.3% | +0.7% | +2.5% |
| July 31, 2024 | −0.5% | +0.2% | −1.0% | +2.5% |
| May 24, 2024 | −0.8% | +0.7% | −1.7% | 0.0% |
| May 1, 2024 | −0.9% | +0.6% | −0.6% | −2.6% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY23 Q4 | $14.9M |
| FY24 Q1 | $15.8M |
| FY24 Q2 | $21.4M |
| FY24 Q3 | $26.5M |
| FY25 Q4 | $33.3M |
| FY26 Q1 | $33.1M |
| FY26 Q2 | $33.6M |
| FY26 Q3 | $34.2M |
| FY26 Q4 | $33.4M |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY23 Q4 | 12.1% |
| FY24 Q1 | -7.4% |
| FY24 Q2 | -6.4% |
| FY24 Q3 | -22.7% |
| FY25 Q4 | 12.7% |
| FY26 Q1 | 11.1% |
| FY26 Q2 | 24.7% |
| FY26 Q3 | 22.4% |
| FY26 Q4 | 29.5% |
What SR Bancorp earned on its loans and securities in FY2026, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.
| Interest income | $49.6M | |
|---|---|---|
| Fee and other income | $2.2M | 6.6% of revenue |
| Interest paid | $18.3M | |
| Net interest income | $31.2M | 93.4% of revenue |
| Revenue | $33.4M | |
| Non-interest expense | $28.5M | 85.1% of revenue |
| Credit-loss provisions | $575,000 | 1.7% of revenue |
| Pre-tax profit | $4.4M | 13.2% of revenue |
| Income tax | $1M | 3.1% of revenue |
| Net income | $3.4M | 10.0% of revenue |
| Fiscal year | 2022 Jun 2022 | 2023 Jun 2023 | 2025 Jun 2025 | 2026 Jun 2026 |
|---|---|---|---|---|
| Income | ||||
| Revenue | 13 | 15 | 33 | 33 |
| Net income | 2 | 2 | 5 | 3 |
| Diluted EPS | — | — | $0.61 | $0.44 |
| Growth (year on year) | ||||
| Revenue | — | +12.9% | +122.8% | +0.4% |
| Net income | — | −17.0% | +230.7% | −34.7% |
| Diluted EPS | — | — | — | −27.9% |
| Margins | ||||
| Net margin | 14.1% | 10.4% | 15.4% | 10.0% |
| Free-cash-flow margin | 5.3% | 12.1% | 12.7% | 29.5% |
| Cash flow | ||||
| Cash from operations | 1 | 2 | 5 | 11 |
| Capital spending | 0 | 1 | 0 | 1 |
| Free cash flow | 1 | 2 | 4 | 10 |
| Stock-based pay | — | — | 1 | 2 |
| Free cash flow after stock pay | — | — | 3 | 8 |
| Balance sheet | ||||
| Cash | 35 | 42 | 58 | 71 |
| Total debt | 0 | 20 | 30 | 65 |
| Net debt (negative = net cash) | −35 | −22 | −28 | −6 |
| Diluted shares | — | — | 8m | 8m |
| Returned to shareholders | ||||
| Dividends | — | — | 0 | 2 |
| Buybacks | — | — | 11 | 16 |
| Total returned | — | — | 12 | 18 |
| Quarter | 2025 Q1 Sept 2024 | 2025 Q2 Dec 2024 | 2025 Q3 Mar 2025 | 2025 Q4 Jun 2025 | 2026 Q1 Sept 2025 | 2026 Q2 Dec 2025 | 2026 Q3 Mar 2026 | 2026 Q4 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 8,395 | 7,866 | 7,725 | 9,333 | 8,160 | 8,372 | 8,358 | 8,556 |
| Net income | 1,367 | 1,021 | 537 | 2,211 | 693 | 834 | 886 | 940 |
| Diluted EPS | $0.16 | $0.12 | $0.06 | $0.27 | $0.09 | $0.11 | $0.12 | $0.13 |
| Growth (year on year) | ||||||||
| Revenue | +80.2% | −16.2% | −12.1% | — | −2.8% | +6.4% | +8.2% | −8.3% |
| Net income | — | −36.5% | −49.5% | — | −49.3% | −18.3% | +65.0% | −57.5% |
| Diluted EPS | — | −33.3% | −50.0% | — | −43.8% | −8.3% | +100.0% | −51.9% |
| Margins | ||||||||
| Net margin | 16.3% | 13.0% | 7.0% | 23.7% | 8.5% | 10.0% | 10.6% | 11.0% |
| Free-cash-flow margin | 20.3% | −19.5% | 32.3% | 16.7% | 14.0% | 37.0% | 22.4% | 44.0% |
| Cash flow | ||||||||
| Cash from operations | 1,789 | −1,432 | 2,571 | 1,737 | 1,222 | 3,592 | 2,009 | 3,880 |
| Capital spending | 82 | 101 | 74 | 176 | 76 | 494 | 133 | 117 |
| Free cash flow | 1,707 | −1,533 | 2,497 | 1,561 | 1,146 | 3,098 | 1,876 | 3,763 |
| Stock-based pay | 94 | 142 | 388 | 482 | 497 | 505 | 555 | 582 |
| Free cash flow after stock pay | 1,613 | −1,675 | 2,109 | 1,079 | 649 | 2,593 | 1,321 | 3,181 |
| Last 12 months unless stated | SRBK | BAFN | AUBN | BYFC | ECBK | PNBK | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $33m | $33m | $34m | $39m | $39m | $39m | $255m |
| Revenue growth, last 12 months | 0.4% | −64.7% | 9.2% | 14.2% | 35.5% | 47.0% | 12.5% |
| Revenue growth, 3-year average | — | −24.0% | −0.8% | 3.9% | 12.8% | 0.8% | 6.0% |
| Revenue growth, latest quarter | −8.3% | −88.5% | 7.8% | 28.7% | 29.0% | 93.7% | 10.7% |
| Net margin | 10.0% | −182.3% | 24.5% | −53.8% | 29.4% | −16.7% | 28.7% |
| Cash from operations / revenue | 32.0% | 443.1% | 33.9% | 17.5% | 58.6% | −45.6% | 34.3% |
| Free-cash-flow margin | 29.5% | 442.7% | 27.6% | 16.0% | 57.7% | −47.3% | 31.4% |
| Free-cash-flow margin, 3-year average | 18.1% | 434.7% | 30.0% | 10.4% | 31.7% | −35.7% | 29.9% |
| Stock pay / revenue | 6.4% | 0.4% | 0.3% | 1.7% | 3.3% | 18.6% | 1.2% |
| Change in share count | −9.6% | −0.5% | 0.0% | 0.6% | −0.6% | >999% | 0.4% |
| Measure | Company | Peer median | Rank |
|---|---|---|---|
| Revenue growth Growth | 0.4% | 12.5% | 223 of 245 |
| Net margin Profitability | 10.0% | 28.7% | 230 of 245 |
| Stock pay as % of revenue Cash generation | 6.4% | 1.3% | 203 of 206 |
| Change in share count Balance sheet | -9.6% | 0.4% | 3 of 230 |
Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).
| Line of business | Revenue | YoY |
|---|---|---|
| Bank Servicing | $906,000 | ▲ 1.3% |
| Financial Service | $123,000 | ▼ 15.2% |
These categories overlap or exclude eliminations, so shares aren't shown.
From SR Bancorp, Inc.'s 10-K filed September 25, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Blackrock, Inc. | $9.8M | 497K | 18.3% | ▲ 8.3% |
| Vanguard Capital Management LLC | $5.9M | 299K | 11.0% | ▼ 18.6% |
| Saber Capital Managment, LLC | $4.1M | 209K | 7.7% | ▼ 10.5% |
| Renaissance Technologies LLC | $3.5M | 176K | 6.5% | ▼ 2.4% |
| Geode Capital Management, LLC | $3.4M | 171K | 6.3% | ▲ 5.2% |
| Mangrove Partners Im, LLC | $3.4M | 170K | 6.3% | 0.0% |
| Acadian Asset Management LLC | $2.9M | 147K | 5.4% | ▲ 41.4% |
| Dimensional Fund Advisors LP | $2.9M | 145K | 5.4% | ▲ 59.1% |
| State Street Corp | $1.6M | 82K | 3.0% | ▼ 1.7% |
| Northern Trust Corp | $1.1M | 54K | 2.0% | ▲ 7.8% |
| O'Shaughnessy Asset Management, LLC | $992,108 | 50K | 1.9% | ▲ 112.2% |
| Two Sigma Investments, LP | $969,909 | 49K | 1.8% | ▲ 4.6% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not SR Bancorp, Inc.'s complete shareholder register. Values are as reported by the filers ; 1 inconsistently scaled filing rows were excluded.
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Mustard Robert Kenneth Director | August 14, 2026 | Buy | 250 | $20.21 | $5,052 |
| Pribula Christopher J President and CEO | June 15, 2026 | Buy | 500 | $18.99 | $9,495 |
| Faqueri Harris M SVP and CFO | March 16, 2026 | Buy | 3,000 | $16.40 | $49,200 |
| Davey Mary E Director | March 6, 2026 | Buy | 320 | $16.31 | $5,219 |
| Viotto Neil C EVP and COO | March 3, 2026 | Buy | 604 | $16.75 | $10,117 |
| Viotto Neil C EVP and COO | March 3, 2026 | Buy | 299 | $17.04 | $5,095 |
| Viotto Neil C EVP and COO | March 3, 2026 | Buy | 97 | $16.67 | $1,617 |
| Lupo Thomas Director | February 23, 2026 | Buy | 1,000 | $16.47 | $16,470 |
| Mustard Robert Kenneth Director | February 2, 2026 | Buy | 250 | $17.05 | $4,262 |
| Mustard Robert Kenneth Director | December 4, 2025 | Buy | 300 | $15.75 | $4,725 |
| Taylor William P CEO | December 2, 2025 | Buy | 500 | $15.80 | $7,900 |
| Taylor William P CEO | December 2, 2025 | Buy | 500 | $15.79 | $7,895 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Next expected around January 27, 2027 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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