profit from every $100 of sales.
$0$100
SR Bancorp
$18.94-0.05% today
+26.3% in 1 year
1-year low $14.961-year high $20.38
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $26.88 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What SR Bancorp sold, what it kept, and what it did with the cash.
Sales went from $13.2 million in 2022 to $33.3 million in 2025, with $5.14 million of profit last year.
SalesProfit
SR Bancorp handed back more cash to shareholders than it generated last year.
Buybacks $11M
Free cash flow 2025$4M
Bought back its own shares$11M
Paid as dividends$444,000
Cash vs. debt$58M vs. $33M
SR Bancorp vs. similar companies
SR Bancorp grows the fastest of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| SR Bancorp | 26.9× · Fair price | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads SR Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 13 | 15 | 27 | 33 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 2 | 2 | -11 | 5 | |
| 0.20 | 0.16 | -1.59 | 0.44 | |
| – | – | – | – | |
| – | – | – | – | |
| 14.1% | 10.4% | -40.4% | 15.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 649 | 651 | 1,021 | 1,084 |
| Cash | 35 | 42 | 46 | 58 |
| Total debt | – | 20 | 2 | 33 |
| Total liabilities | 530 | 529 | 821 | 891 |
| 118 | 122 | 199 | 194 | |
| 10 | 10 | 7 | – | |
| – | – | – | – | |
| 1.6% | 1.3% | -5.4% | 2.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1 | 2 | -2 | 5 | |
| 0 | 1 | 1 | 0 | |
| 1 | 2 | -3 | 4 | |
| Dividends paid | – | – | 0 | 0 |
| – | – | 0 | 11 | |
| – | 0 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 26.9×
- 54.2×
- 0.87
- 0.7×
- 4.1×
- 3.7%
- 1.1%
Profitability
- 15.4%
- 0.5%
- 0.1%
- 2.4%
- 0.4%
Growth
- +36.0%
- +30.8%
- –
- −3.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 19%of 843
Bottom 25%of 730
Bottom 19%of 866
Top 12%of 862
Bottom 35%of 921
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 0.11 | 0.10 | +10.0% |
| Jan 28, 2026 | 0.09 | 0.11 | −17.1% |
| Oct 30, 2025 | 0.09 | 0.09 | +0.0% |
| Sep 29, 2025 | 0.27 | – | – |
| Apr 30, 2025 | 0.06 | – | – |
| Jan 31, 2025 | 0.12 | – | – |
| Oct 30, 2024 | 0.16 | – | – |
| Oct 15, 2024 | -0.34 | – | – |
1.1%of the share price, paid each year
On $1,000 invested$11a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
8.6% of its profit
Room to growStretchedMore than it earns: 10.5%
News
Fifth Third Bancorp Eyes Texas Growth and AI Gains After Comerica IntegrationYahoo Finance · Nov 6, 2026Hope Bancorp declares $0.14 dividendSeeking Alpha · Oct 28, 2026NBT Bancorp declares $0.40 dividendSeeking Alpha · Oct 27, 2026Finward Bancorp GAAP EPS of $0.31 misses by $0.41, revenue of $18.59M misses by $0.81MSeeking Alpha · Oct 27, 2026FirstSun Capital Bancorp Non-GAAP EPS of $1.03, revenue of $179.6MSeeking Alpha · Oct 26, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
38No pass
Benjamin Graham
56No pass
Philip Fisher
66Pass
Peter Lynch
92Pass
Joel Greenblatt
8No pass
Charlie Munger
43No pass
Terry Smith
37No pass
Questions about SR Bancorp
Is SR Bancorp a good stock to buy?
A solid business at a fair price. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the SR Bancorp AI analysis
What does SR Bancorp do?
SR Bancorp, Inc., through its subsidiary, Somerset Savings Bank, SLA, provides commercial banking services. The company offers various deposit and loan products to individuals and small businesses. It operates branches in Hunterdon, Middlesex, and Somerset Counties, New Jersey. It is in Banks - Regional.
Does SR Bancorp pay a dividend?
Yes. At today's price the dividend is 1.1% a year, about 9% of its yearly profit. In 2025 it paid out $444,000 in dividends.
Is SR Bancorp stock halal?
No. SR Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has SR Bancorp stock done over the past year?
Up 26.3% over the past twelve months, to $18.94. It traded between $14.96 and $20.38 and is 7.1% below its high.
Who are SR Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with SR Bancorp's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.