Reported Earnings • Jul 29
Full year 2026 earnings: Revenues and EPS in line with analyst expectations Full year 2026 results: EPS: US$0.45 (down from US$0.61 in FY 2025). Revenue: US$32.9m (up 3.7% from FY 2025). Net income: US$3.35m (down 35% from FY 2025). Profit margin: 10% (down from 16% in FY 2025). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.04% (up from 2.93% in FY 2025). New Risk • Jul 29
New minor risk - Profit margin trend The company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 10% Last year net profit margin: 16% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. This is currently the only risk that has been identified for the company. Declared Dividend • Jun 24
Third quarter dividend increased to US$0.06 Dividend of US$0.06 is 20% higher than last year. Ex-date: 30th June 2026 Payment date: 15th July 2026 Dividend yield will be 1.1%, which is lower than the industry average of 3.2%. Sustainability & Growth The company is yet to establish a track record of dividend growth or stability as it hasn't paid a regular dividend for at least 2 years. Earnings per share has grown by 4,918% over the last year. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Annuncio • Jun 20
SR Bancorp, Inc. Announces Quarterly Cash Dividend, Payable on July 15, 2026 SR Bancorp, Inc. announced that its Board of Directors has declared the payment of a quarterly cash dividend of $0.06 per share, an increase of $0.01 per share, or 20%, payable on July 15, 2026 to stockholders of record as of June 30, 2026. Reported Earnings • Apr 30
Third quarter 2026 earnings: EPS exceeds analyst expectations while revenues lag behind Third quarter 2026 results: EPS: US$0.12 (up from US$0.065 in 3Q 2025). Revenue: US$8.27m (up 7.6% from 3Q 2025). Net income: US$886.0k (up 65% from 3Q 2025). Profit margin: 11% (up from 7.0% in 3Q 2025). Revenue missed analyst estimates by 1.7%. Earnings per share (EPS) exceeded analyst estimates by 20%. Declared Dividend • Mar 22
Second quarter dividend of US$0.05 announced Dividend of US$0.05 is the same as last year. Ex-date: 31st March 2026 Payment date: 15th April 2026 Dividend yield will be 1.2%, which is lower than the industry average of 3.2%. Sustainability & Growth The company is yet to establish a track record of dividend growth or stability as it hasn't paid a regular dividend for at least 2 years. Earnings per share has grown by 143% over the last 3 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Annuncio • Mar 19
SR Bancorp, Inc. Declares Quarterly Cash Dividend, Payable on April 15, 2026 SR Bancorp, Inc. announced that its Board of Directors has declared the payment of a quarterly cash dividend. The dividend of $0.05 per share will be paid on April 15, 2026 to stockholders of record as of March 31, 2026. Price Target Changed • Feb 08
Price target increased by 9.1% to US$18.00 Up from US$16.50, the current price target is provided by 1 analyst. New target price is approximately in line with last closing price of US$17.50. Stock is up 41% over the past year. The company posted earnings per share of US$0.61 last year. Recent Insider Transactions Derivative • Feb 01
Executive Chairman exercised options to buy US$316k worth of stock. On the 30th of January, David Orbach exercised options to buy 19k shares at a strike price of around US$12.50, costing a total of US$238k. This transaction amounted to 9.3% of their direct individual holding at the time of the trade. Since March 2025, David's direct individual holding has increased from 196.04k shares to 205.47k. Company insiders have collectively bought US$644k more than they sold, via options and on-market transactions, in the last 12 months. Reported Earnings • Jan 29
Second quarter 2026 earnings released: EPS: US$0.11 (vs US$0.12 in 2Q 2025) Second quarter 2026 results: EPS: US$0.11 (down from US$0.12 in 2Q 2025). Revenue: US$8.32m (up 6.0% from 2Q 2025). Net income: US$834.0k (down 18% from 2Q 2025). Profit margin: 10.0% (down from 13% in 2Q 2025). Revenue is forecast to grow 11% p.a. on average during the next 2 years, compared to a 8.9% growth forecast for the Banks industry in the US. Upcoming Dividend • Dec 24
Upcoming dividend of US$0.05 per share Eligible shareholders must have bought the stock before 31 December 2025. Payment date: 15 January 2026. Payout ratio is a comfortable 28% and this is well supported by cash flows. Trailing yield: 1.2%. Lower than top quartile of American dividend payers (4.4%). Lower than average of industry peers (2.3%). Annuncio • Dec 19
SR Bancorp, Inc. Announces Declares Quarterly Cash Dividend, Payable on January 15, 2026 SR Bancorp, Inc. announced that its Board of Directors has declared the payment of a quarterly cash dividend. The dividend of $0.05 per share will be paid on January 15, 2026 to stockholders of record as of December 31, 2025. Reported Earnings • Oct 31
First quarter 2026 earnings released: EPS: US$0.088 (vs US$0.15 in 1Q 2025) First quarter 2026 results: EPS: US$0.088 (down from US$0.15 in 1Q 2025). Revenue: US$7.99m (down 6.6% from 1Q 2025). Net income: US$693.0k (down 49% from 1Q 2025). Profit margin: 8.7% (down from 16% in 1Q 2025). Annuncio • Oct 21
SR Bancorp, Inc., Annual General Meeting, Nov 19, 2025 SR Bancorp, Inc., Annual General Meeting, Nov 19, 2025. Location: bridgewater marriott, 700 commons way, bridgewater, new jersey, United States New Risk • Sep 30
New minor risk - Earnings quality The company has large one-off items impacting its financial results. One-off items were 32% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company. Reported Earnings • Sep 30
Full year 2025 earnings released: EPS: US$0.61 (vs US$1.59 loss in FY 2024) Full year 2025 results: EPS: US$0.61 (up from US$1.59 loss in FY 2024). Revenue: US$31.7m (up 39% from FY 2024). Net income: US$5.14m (up US$16.0m from FY 2024). Profit margin: 16% (up from net loss in FY 2024). Net interest margin (NIM): 2.93% (down from 3.19% in FY 2024). Annuncio • Sep 23
SR Bancorp, Inc. Announces Quarterly Cash Dividend, Payable on October 15, 2025 SR Bancorp, Inc. announced that its Board of Directors has declared the payment of a quarterly cash dividend. The dividend of $0.05 per share will be paid on October 15, 2025 to stockholders of record as of September 30, 2025. Reported Earnings • Aug 01
Full year 2025 earnings released: EPS: US$0.44 (vs US$1.59 loss in FY 2024) Full year 2025 results: EPS: US$0.44 (up from US$1.59 loss in FY 2024). Revenue: US$31.8m (up 40% from FY 2024). Net income: US$3.75m (up US$14.6m from FY 2024). Profit margin: 12% (up from net loss in FY 2024). The move to profitability was primarily driven by higher revenue. New Risk • Jul 05
New minor risk - Dividend sustainability The dividend is not well covered by earnings. The company is paying a dividend despite being loss-making. Current dividend yield: 1.5% This is considered a minor risk. Companies that pay out too much of their earnings are at risk of having to reduce or cut their dividend in future. If earnings growth slows or earnings fall, then there may not be enough earnings to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 46% per year over the past 5 years. Minor Risk Paying a dividend despite being loss-making. Annuncio • Jun 20
SR Bancorp, Inc. Declares the Payment of Quarterly Cash Dividend, Payable on July 15, 2025 SR Bancorp, Inc. announced that its Board of Directors has declared the payment of a quarterly cash dividend. The dividend of $0.05 per share will be paid on July 15, 2025 to stockholders of record as of June 30, 2025. Recent Insider Transactions • May 21
Executive Chairman recently bought US$99k worth of stock On the 19th of May, David Orbach bought around 8k shares on-market at roughly US$13.19 per share. This transaction amounted to 3.8% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth US$116k. David has been a buyer over the last 12 months, purchasing a net total of US$637k worth in shares. New Risk • May 02
New major risk - Revenue and earnings growth Earnings have declined by 46% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company. Recent Insider Transactions • Mar 21
Executive Chairman recently bought US$116k worth of stock On the 19th of March, David Orbach bought around 10k shares on-market at roughly US$11.58 per share. This transaction amounted to 5.4% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. David has been a buyer over the last 12 months, purchasing a net total of US$538k worth in shares. Annuncio • Mar 20
Sr Bancorp, Inc. Announces Payment of Initial Quarterly Cash Dividend, Payable on April 15, 2025 SR Bancorp, Inc. announced that its Board of Directors has declared the payment of its initial quarterly cash dividend. The dividend of $0.05 per share will be paid on April 15, 2025 to stockholders of record as of March 31, 2025. New Risk • Mar 14
New minor risk - Market cap size The company's market capitalization is less than US$100m. Market cap: US$98.9m This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Large one-off items impacting financial results. Market cap is less than US$100m (US$98.9m market cap). Annuncio • Oct 18
SR Bancorp, Inc., Annual General Meeting, Nov 20, 2024 SR Bancorp, Inc., Annual General Meeting, Nov 20, 2024. Location: bridgewater marriott, 700 commons way, bridgewater,new jersey 08807, new jersey United States Annuncio • Oct 01
SR Bancorp, Inc. announced delayed annual 10-K filing On 09/30/2024, SR Bancorp, Inc. announced that they will be unable to file their next 10-K by the deadline required by the SEC. Recent Insider Transactions • Sep 18
Director recently bought US$104k worth of stock On the 13th of September, Marc Lebovitz bought around 10k shares on-market at roughly US$10.15 per share. This transaction amounted to 97% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth US$111k. Insiders have collectively bought US$1.8m more in shares than they have sold in the last 12 months. Recent Insider Transactions • Aug 06
Executive Chairman recently bought US$111k worth of stock On the 2nd of August, David Orbach bought around 12k shares on-market at roughly US$9.68 per share. This transaction amounted to 9.3% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth US$183k. David has been a buyer over the last 12 months, purchasing a net total of US$1.3m worth in shares. Recent Insider Transactions • Jun 19
Executive Chairman recently bought US$183k worth of stock On the 17th of June, David Orbach bought around 20k shares on-market at roughly US$9.15 per share. This transaction amounted to 19% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. David has been a buyer over the last 12 months, purchasing a net total of US$1.1m worth in shares. Reported Earnings • May 02
Third quarter 2024 earnings released Third quarter 2024 results: EPS: US$0.12. Revenue: US$8.93m (up 142% from 3Q 2023). Net income: US$1.06m (up 309% from 3Q 2023). Profit margin: 12% (up from 7.0% in 3Q 2023). New Risk • Jan 07
New major risk - Revenue and earnings growth Revenue has declined by 16% over the past year. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If revenues are declining, then it is difficult for the company to prevent its earnings from declining as well. A trend of falling revenue can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Revenue has declined by 16% over the past year. Minor Risk Market cap is less than US$100m (US$89.0m market cap). Recent Insider Transactions • Dec 03
Executive Vice Chairman recently bought US$288k worth of stock On the 1st of December, David Orbach bought around 30k shares on-market at roughly US$9.60 per share. This transaction amounted to 41% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth US$584k. David has been a buyer over the last 12 months, purchasing a net total of US$966k worth in shares. Recent Insider Transactions • Nov 24
Executive Vice Chairman recently bought US$584k worth of stock On the 20th of November, David Orbach bought around 63k shares on-market at roughly US$9.34 per share. This trade did not impact their existing holding. This was the largest purchase by an insider in the last 3 months. David has been a buyer over the last 12 months, purchasing a net total of US$678k worth in shares. Board Change • Oct 05
Less than half of directors are independent Following the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Director John Mooney was the last independent director to join the board, commencing their role in 2011. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Annuncio • Oct 01
SR Bancorp, Inc. Appoints James Castelletti as Senior Vice President and Senior Commercial Lending Officer SR Bancorp, Inc. announced that James Castelletti has been appointed as senior vice president and senior commercial lending officer. In his new role, Castelletti will work with the bank's executive leadership team and board of directors to continue to diversify and grow the lending portfolio. Castelletti, who has extensive experience as a commercial real estate lender, was previously vice president - commercial real estate Lender at Northfield Bank, and earlier at Spencer Savings Bank and Wells Fargo Bank. Board Change • Sep 22
Less than half of directors are independent Following the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Director John Mooney was the last independent director to join the board, commencing their role in 2011. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.