How does SRBK's PE Ratio compare to its peers?

SRBK is expensive based on its Price-To-Earnings Ratio (104.8x) compared to the peer average (24.4x).

How does SRBK's PE Ratio compare vs other companies in the US Banks Industry?

SRBK is expensive based on its Price-To-Earnings Ratio (104.8x) compared to the US Banks industry average (12.5x).

What is SRBK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate SRBK's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of SRBK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Insufficient data to calculate SRBK's fair value for valuation analysis.

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

SRBK Stock Overview

Operates as the holding company for Somerset Regal Bank that provides retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. More details

SRBK fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Became profitable this year

Risk Analysis

Large one-off items impacting financial results

My Notes

Capture your thoughts, links and company narrative

SR Bancorp, Inc. Competitors

Pathfinder Bancorp

NasdaqCM:PBHC

US$106.0m

First Commerce Bancorp

OTCPK:CMRB

US$103.9m

CNB Bank Shares

OTCPK:CNBN

US$102.7m

Dimeco

OTCPK:DIMC

US$97.6m

Price History & Performance

Summary of share price highs, lows and changes for SR Bancorp
Historical stock prices
Current Share Price	US$12.10
52 Week High	US$12.46
52 Week Low	US$8.94
Beta	0
1 Month Change	7.94%
3 Month Change	8.81%
1 Year Change	24.94%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	30.39%

Recent updates

Shareholder Returns

	SRBK	US Banks	US Market
7D	0.7%	3.4%	2.8%
1Y	24.9%	29.6%	24.6%

Return vs Industry: SRBK underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: SRBK matched the US Market which returned 24.5% over the past year.

Price Volatility

Is SRBK's price volatile compared to industry and market?
SRBK volatility
SRBK Average Weekly Movement	2.6%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.4%
10% least volatile stocks in US Market	3.1%

Stable Share Price: SRBK has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: SRBK's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1887	117	William Taylor	www.somersetregalbank.com/home/home

SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. The company offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit; business checking accounts for small businesses; and bill payment services through its online banking system. It also provides loans comprising one- to four family-residential mortgage, commercial real estate, multi-family, commercial and industrial, consumer, home equity, unsecured personal, and rehabilitation loans; and lines of credit.

SR Bancorp, Inc. Fundamentals Summary

How do SR Bancorp's earnings and revenue compare to its market cap?
SRBK fundamental statistics
Market cap	US$105.44m
Earnings (TTM)	US$1.01m
Revenue (TTM)	US$30.87m

104.8x

P/E Ratio

0.5x

P/B Ratio

Is SRBK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SRBK income statement (TTM)
Revenue	US$30.87m
Cost of Revenue	US$0
Gross Profit	US$30.87m
Other Expenses	US$29.86m
Earnings	US$1.01m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.12
Gross Margin	100.00%
Net Profit Margin	3.26%
Debt/Equity Ratio	10.0%

How did SRBK perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 09:10
End of Day Share Price	2024/12/26 00:00
Earnings	2024/09/30
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

SR Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution