SR Bancorp Inc Financials
This page shows SR Bancorp Inc (SRBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
SR Bancorp Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass.
For every $1 of reported earnings, SR Bancorp Inc generates $0.91 in operating cash flow ($4.7M OCF vs $5.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
SR Bancorp Inc generated $4.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 249.0% from the prior year.
SR Bancorp Inc reported $5.1M in net income in fiscal year 2025. This represents an increase of 147.3% from the prior year.
SR Bancorp Inc earned $0.61 per diluted share (EPS) in fiscal year 2025. This represents an increase of 138.4% from the prior year.
SR Bancorp Inc held $57.8M in cash against $0 in long-term debt as of fiscal year 2025.
SR Bancorp Inc paid $0.10 per share in dividends in fiscal year 2025.
SR Bancorp Inc had 9M shares outstanding in fiscal year 2025. This represents a decrease of 6.7% from the prior year.
SR Bancorp Inc's ROE was 2.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.
SR Bancorp Inc spent $11.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
SR Bancorp Inc invested $433K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 60.7% from the prior year.
SRBK Income Statement
| Metric | Q2'26 | Q1'26 | Q3'25 | Q2'24 | Q1'24 | Q2'23 | Q3'24 | Q2'22 |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $4.5M+4.1% | $4.3M+1.0% | $4.3M+31.6% | $3.3M+133.7% | $1.4M | N/A | $613K | N/A |
| Income Tax | $254K+25.7% | $202K+127.0% | $89K-78.2% | $408K+121.0% | -$1.9M | N/A | $14K | N/A |
| Net Income | $834K+20.3% | $693K+29.1% | $537K-66.6% | $1.6M+115.3% | -$10.5M | N/A | $260K | N/A |
| EPS (Diluted) | $0.11+22.2% | $0.09+50.0% | $0.06-66.7% | $0.18+101.8% | $-10.03 | N/A | N/A | N/A |
SRBK Balance Sheet
| Metric | Q2'26 | Q1'26 | Q3'25 | Q2'24 | Q1'24 | Q2'23 | Q3'24 | Q2'22 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.1B+3.0% | $1.1B+3.4% | $1.1B+5.2% | $1.0B-7.9% | $1.1B+70.1% | $651.5M | N/A | $648.6M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $81.8M+40.4% | $58.3M-6.3% | $62.2M+35.5% | $45.9M-62.1% | $121.1M+185.3% | $42.4M-20.2% | $53.2M+50.5% | $35.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $20.4M0.0% | $20.4M0.0% | $20.4M0.0% | $20.4M0.0% | $20.4M | N/A | N/A | N/A |
| Total Liabilities | $954.5M+4.0% | $918.2M+4.5% | $878.8M+7.0% | $821.4M-10.1% | $914.0M+72.6% | $529.4M | N/A | $530.4M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $188.5M-1.8% | $191.9M-1.6% | $195.1M-2.2% | $199.5M+2.6% | $194.5M+59.3% | $122.1M+2.5% | $119.1M+0.7% | $118.2M |
| Retained Earnings | $121.2M+0.4% | $120.8M+1.8% | $118.7M+2.2% | $116.2M-0.3% | $116.6M-8.3% | $127.1M | N/A | $125.5M |
SRBK Cash Flow Statement
| Metric | Q2'26 | Q1'26 | Q3'25 | Q2'24 | Q1'24 | Q2'23 | Q3'24 | Q2'22 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.6M+193.9% | $1.2M-52.5% | $2.6M-45.0% | $4.7M+401.0% | -$1.6M-276.4% | $880K+23.4% | $713K | N/A |
| Capital Expenditures | $494K+550.0% | $76K+2.7% | $74K-90.1% | $744K+172.5% | $273K+97.8% | $138K+666.7% | $18K | N/A |
| Free Cash Flow | $3.1M+170.3% | $1.1M-54.1% | $2.5M-36.4% | $3.9M+315.2% | -$1.8M-346.0% | $742K+6.8% | $695K | N/A |
| Investing Cash Flow | -$12.4M+51.3% | -$25.5M-980.6% | -$2.4M-168.6% | $3.4M+702.6% | -$571K-140.6% | $1.4M-87.0% | $10.9M | N/A |
| Financing Cash Flow | $32.4M+30.4% | $24.8M+189.1% | $8.6M+124.8% | -$34.7M-142.9% | $80.8M+720.4% | -$13.0M-190.0% | $14.5M | N/A |
| Dividends Paid | $406K-5.4% | $429K | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $4.1M+41.0% | $2.9M-13.8% | $3.4M | N/A | N/A | N/A | N/A | N/A |
SRBK Financial Ratios
| Metric | Q2'26 | Q1'26 | Q3'25 | Q2'24 | Q1'24 | Q2'23 | Q3'24 | Q2'22 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | 0.4%+0.1pp | 0.4%+0.1pp | 0.3%-0.5pp | 0.8% | N/A | N/A | 0.2% | N/A |
| Return on Assets | 0.1%+0.0pp | 0.1%0.0pp | 0.1%-0.1pp | 0.1%+1.1pp | -0.9% | N/A | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 5.07+0.3 | 4.78+0.3 | 4.51+0.4 | 4.12-0.6 | 4.70+0.4 | 4.34 | N/A | 4.49 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
Is SR Bancorp Inc profitable?
Yes, SR Bancorp Inc (SRBK) reported a net income of $5.1M in fiscal year 2025.
What is SR Bancorp Inc's earnings per share (EPS)?
SR Bancorp Inc (SRBK) reported diluted earnings per share of $0.61 for fiscal year 2025. This represents a 138.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
Does SR Bancorp Inc pay dividends?
Yes, SR Bancorp Inc (SRBK) paid $0.10 per share in dividends during fiscal year 2025.
What is SR Bancorp Inc's return on equity (ROE)?
SR Bancorp Inc (SRBK) has a return on equity of 2.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is SR Bancorp Inc's free cash flow?
SR Bancorp Inc (SRBK) generated $4.2M in free cash flow during fiscal year 2025. This represents a 249.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is SR Bancorp Inc's operating cash flow?
SR Bancorp Inc (SRBK) generated $4.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are SR Bancorp Inc's total assets?
SR Bancorp Inc (SRBK) had $1.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are SR Bancorp Inc's capital expenditures?
SR Bancorp Inc (SRBK) invested $433K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does SR Bancorp Inc buy back shares?
Yes, SR Bancorp Inc (SRBK) spent $11.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does SR Bancorp Inc have outstanding?
SR Bancorp Inc (SRBK) had 9M shares outstanding as of fiscal year 2025.
What is SR Bancorp Inc's debt-to-equity ratio?
SR Bancorp Inc (SRBK) had a debt-to-equity ratio of 4.60 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is SR Bancorp Inc's return on assets (ROA)?
SR Bancorp Inc (SRBK) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is SR Bancorp Inc's Piotroski F-Score?
SR Bancorp Inc (SRBK) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are SR Bancorp Inc's earnings high quality?
SR Bancorp Inc (SRBK) has an earnings quality ratio of 0.91x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.