SR Bancorp, Inc. Common stock (SRBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
SR Bancorp, Inc. Common stock stock (SRBK) is currently trading at $17.03. SR Bancorp, Inc. Common stock PE ratio is 31.91. SR Bancorp, Inc. Common stock PS ratio (Price-to-Sales) is 4.12. Analyst consensus price target for SRBK is $16.50. WallStSmart rates SRBK as Sell.
- SRBK PE ratio analysis and historical PE chart
- SRBK PS ratio (Price-to-Sales) history and trend
- SRBK intrinsic value — DCF, Graham Number, EPV models
- SRBK stock price prediction 2025 2026 2027 2028 2029 2030
- SRBK fair value vs current price
- SRBK insider transactions and insider buying
- Is SRBK undervalued or overvalued?
- SR Bancorp, Inc. Common stock financial analysis — revenue, earnings, cash flow
- SRBK Piotroski F-Score and Altman Z-Score
- SRBK analyst price target and Smart Rating
SR Bancorp, Inc.
📊 No data available
Try selecting a different time range
SRBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · SR Bancorp, Inc. Common stock (SRBK)
SRBK trades 378% above its Graham fair value of $3.67, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
SR Bancorp, Inc. Common stock (SRBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
SR Bancorp, Inc. Common stock (SRBK) Key Strengths (1)
Trading below book value, meaning the market prices it less than net assets
SR Bancorp, Inc. Common stock (SRBK) Areas to Watch (8)
Earnings declining -7.50%, profits shrinking
Very low returns on shareholder equity
Micro-cap company with very limited liquidity and high volatility
Thin operating margins with cost pressures present
Premium valuation at 4.1x annual revenue
Modest revenue growth at 6.00%
Low institutional interest, mostly retail-driven
Decent profitability, keeps $14 per $100 revenue
Supporting Valuation Data
SR Bancorp, Inc. Common stock (SRBK) Detailed Analysis Report
Overall Assessment
This company scores 38/100 in our Smart Analysis, earning a F grade. Out of 9 metrics analyzed, 1 register as strengths (avg 10.0/10) while 8 fall into concern territory (avg 3.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book. Valuation metrics including Price/Book (0.68) suggest the stock is attractively priced.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Market Cap. Some valuation metrics including Price/Sales (4.12) suggest expensive pricing. Growth concerns include Revenue Growth at 6.00%, EPS Growth at -7.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 2.21%, Operating Margin at 14.50%, Profit Margin at 13.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 2.21% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and Return on Equity are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SRBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SRBK's Price-to-Sales ratio of 4.12x sits near its historical average of 4.13x (50th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 4.17x set in Mar 2026, and 0% above its historical low of 4.11x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for SR Bancorp, Inc. Common stock (SRBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
SR Bancorp, Inc. Common stock operates as a stable business with moderate growth and solid fundamentals. Revenue reached 32M with 6% growth year-over-year. Profit margins of 13.5% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 4M in free cash flow and 4M in operating cash flow. Earnings are translating into actual cash generation.
ROE of 2.2% suggests the company isn't efficiently converting equity into profits.
What to Watch Next
Margin expansion: can SR Bancorp, Inc. Common stock push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 6.4%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact SR Bancorp, Inc. Common stock.
Bottom Line
SR Bancorp, Inc. Common stock offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About SR Bancorp, Inc. Common stock(SRBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
SR Bancorp, Inc., through its subsidiary, Somerset Savings Bank, SLA, provides commercial banking services. The company is headquartered in Bound Brook, New Jersey.