SR Bancorp

NAQ:SRBK · US85227J1060

BanksSmall

360

Medium confidence — indicative

Value40

Profit price6

Cash yield33

Sales & asset price50

Price/Sales22

EV / Gross Profit31

Price/Book97

Quality31

Returns on capital27

Profit margins—

Cash backing47

Cash Conversion75

Accruals30

Owner Earnings Margin36

Growth27

Sales growth29

Profit growth10

Profit Growth1

Owner Earnings Growth18

Reinvestment72

Price momentum77

Safety—

Debt load52

Debt serviceability3

Liquidity12

Sentiment10

Analyst ratings1

Expectations trend35

Opinion Changes50

Price Target Upside19

Market mood1

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

SR Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeSmall

TypePublic Company

ExchangeNASDAQCM

Founded2022

Websiteir.somersetsavings.com/overview/default.aspx

ISINUS85227J1060

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

SR Bancorp, Inc. (SR Bancorp) operates as the bank holding company for Somerset Regal Bank (the bank) that provides retail and commercial banking services to individuals, businesses, and local municipalities. The bank operates through various branch…

Analysis

Weak and unloved

SR Bancorp, Inc. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 24.7×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is uncertain. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

2026

All-time high

Jun 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →