SR Bancorp, Inc. (SRBK) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 22, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-K for FY2026, filed Sep 25, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SRBK SEC filings page.
SR Bancorp, Inc. (SRBK) reported $33.4M in revenue for fiscal year 2026, up 0.4% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 5 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).
SR Bancorp is expanding its balance sheet through liabilities while revenue stalls and returns remain modest.
From FY2025 to FY2026, revenue increased only0.4% while net income fell34.7% and interest expense rose9.6% ; earnings pressure therefore came from financing economics and costs rather than volume. Meanwhile, liabilities grew13.2% as equity fell6.2% , lifting liabilities-to-equity from 4.6x to 5.6x and making expansion more dependent on borrowed funding.
Reported operating cash flow reached
Revenue was nearly flat, but selling, general and administrative expense increased
Financial Health Signals
Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of SR Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
SR Bancorp, Inc. earned a return on assets of 0.3% in fiscal year 2026, which is the profit it made on every dollar of assets on its books. This is down from 0.5% the prior year. Earnings ranks banks on that return over three years, and SR Bancorp, Inc. scores 16/100 among other banks.
SR Bancorp, Inc. reported revenue of $33.4M in fiscal year 2026, against $33.3M in fiscal year 2025. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and SR Bancorp, Inc. scores 42/100 among other banks.
SR Bancorp, Inc. funded 15.2% of its assets with shareholders' equity at the end of fiscal year 2026, holding $181.8M of equity against $1.2B of assets. Capital ranks banks on that cushion, and SR Bancorp, Inc. scores 80/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. SR Bancorp, Inc. scores 9/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. SR Bancorp, Inc. scores 84/100 on it among other banks.
SR Bancorp, Inc. reported net income of $3.4M in fiscal year 2026, against $5.1M in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and SR Bancorp, Inc. scores 1/100 among other banks.
SR Bancorp, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.
Key Financial Metrics
Earnings & Revenue
SR Bancorp, Inc. generated $8.6M in revenue in Q4 2026. This represents a decrease of 8.3% from the same quarter a year earlier. Against the prior quarter it is up 2.4%.
SR Bancorp, Inc. reported $940K in net income in Q4 2026. This represents a decrease of 57.5% from the same quarter a year earlier. Against the prior quarter it is up 6.1%.
SR Bancorp, Inc. earned $0.13 per diluted share (EPS) in Q4 2026. This represents a decrease of 51.9% from the same quarter a year earlier. Against the prior quarter it is up 8.3%.
Not reported for Q4 2026.
Cash & Balance Sheet
SR Bancorp, Inc. generated $3.8M in free cash flow in Q4 2026, representing cash available after capex. This represents an increase of 141.1% from the same quarter a year earlier. Against the prior quarter it is up 100.6%.
SR Bancorp, Inc. held $71.5M in cash as of Q4 2026; no long-term debt figure is on record for that period.
SR Bancorp, Inc. paid $0.06 per share in dividends in Q4 2026. This represents an increase of 20.0% from the same quarter a year earlier. Against the prior quarter it is up 20.0%.
Margins & Returns
SR Bancorp, Inc.'s net profit margin was 11.0% in Q4 2026, showing the share of revenue converted to profit. This is down 12.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.
SR Bancorp, Inc.'s quarterly ROE was 0.5% in Q4 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.6 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q4 2026.
Not reported for Q4 2026.
Capital Allocation
SR Bancorp, Inc. spent $4.0M on share buybacks in Q4 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 0.7% from the same quarter a year earlier. Against the prior quarter it is down 20.2%.
SR Bancorp, Inc. invested $117K in capex in Q4 2026, funding long-term assets and infrastructure. This represents a decrease of 33.5% from the same quarter a year earlier. Against the prior quarter it is down 12.0%.
Not reported for Q4 2026.
SRBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $8.6M-8.3% | $8.4M+8.2% | $8.4M+6.4% | $8.2M-2.8% | $9.3M+40.3% | $7.7M-12.1% | $7.9M-16.2% | $8.4M+80.2% |
| Interest Expense | $4.8M+13.4% | $4.7M+8.4% | $4.5M+4.9% | $4.3M+12.1% | $4.3M+23.4% | $4.3M+27.2% | $4.3M+31.8% | $3.9M+177.0% |
| Income Tax | $309K+43.7% | $282K+216.9% | $254K-21.6% | $202K-44.4% | $215K-35.6% | $89K-69.5% | $324K-20.6% | $363Kn/m |
| Net Income | $940K-57.5% | $886K+65.0% | $834K-18.3% | $693K-49.3% | $2.2Mn/m | $537K-49.5% | $1.0M-36.5% | $1.4Mn/m |
| EPS (Basic) | $0.13-51.9% | $0.12+100.0% | $0.11-8.3% | $0.09-43.8% | $0.27n/m | $0.06-50.0% | $0.12-33.3% | $0.16 |
| EPS (Diluted) | $0.13-51.9% | $0.12+100.0% | $0.11-8.3% | $0.09-43.8% | $0.27n/m | $0.06-50.0% | $0.12-33.3% | $0.16 |
| Diluted Shares (Avg) | N/A | 8M-9.1% | 8M-10.4% | 8M-10.0% | N/A | 8M-5.4% | 9M-2.0% | 9M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
SRBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.2B+9.7% | $1.1B+6.5% | $1.1B+7.4% | $1.1B+5.4% | $1.1B+6.4% | $1.1B+2.0% | $1.1B-1.0% | $1.1B-5.0% |
| Cash & Equivalents | $71.5M+23.7% | $63.7M+2.3% | $81.8M+53.2% | $58.3M+23.3% | $57.8M+25.9% | $62.2M-14.2% | $53.4M-40.8% | $47.3M-60.9% |
| Goodwill | $20.4M0.0% | $20.4M0.0% | $20.4M0.0% | $20.4M | $20.4M0.0% | $20.4M | $20.4M | N/A |
| Total Liabilities | $1.0B+13.2% | $959.0M+9.1% | $954.5M+10.2% | $918.2M+7.7% | $892.7M+8.7% | $878.8M+3.0% | $866.4M-1.2% | $852.4M-6.7% |
| Total Equity | $181.8M-6.2% | $184.4M-5.4% | $188.5M-4.9% | $191.9M-4.3% | $193.8M-2.9% | $195.1M-2.1% | $198.1M+0.1% | $200.5M+3.1% |
| Retained Earnings | $122.3M+1.5% | $121.8M+2.6% | $121.2M+2.2% | $120.8M+2.7% | $120.5M+3.7% | $118.7M-0.4% | $118.6M+0.4% | $117.6M+0.9% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
SRBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.9M+123.4% | $2.0M-21.9% | $3.6Mn/m | $1.2M-31.7% | $1.7M-62.8% | $2.6Mn/m | -$1.4Mn/m | $1.8Mn/m |
| Depreciation & Amortization | $510K-5.2% | $1.1M-13.1% | $554K-3.1% | $533K-22.0% | $538K-21.6% | $1.3M+102.0% | $572K-12.3% | $683K+337.8% |
| Stock-Based Compensation | N/A | $555K+43.0% | $505K+255.6% | $497K+428.7% | N/A | $388K | $142K | $94K+840.0% |
| Capital Expenditures | $117K-33.5% | $133K+79.7% | $494K+389.1% | $76K-7.3% | $176K-76.3% | $74K+68.2% | $101K+146.3% | $82K-70.0% |
| Free Cash Flow | $3.8M+141.1% | $1.9M-24.9% | $3.1Mn/m | $1.1M-32.9% | $1.6M-60.2% | $2.5Mn/m | -$1.5Mn/m | $1.7Mn/m |
| Investing Cash Flow | -$39.4Mn/m | -$18.3Mn/m | -$12.4Mn/m | -$25.5Mn/m | -$12.6M-465.1% | -$2.4M-155.0% | -$3.9M-184.0% | -$31.7Mn/m |
| Financing Cash Flow | $43.3M+578.0% | -$1.9M-122.2% | $32.4M+183.7% | $24.8M-20.7% | $6.4Mn/m | $8.6Mn/m | $11.4Mn/m | $31.3M-61.2% |
| Dividends Paid | $460K+3.6% | $394Kn/m | $406Kn/m | $429Kn/m | $444K | $0 | $0 | $0 |
| Share Buybacks | $4.0M-0.7% | $5.0M+47.0% | $4.1M+29.7% | $2.9M+297.0% | $4.0M | $3.4M | $3.2M | $737K |
SRBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 11.0%-12.7pp | 10.6%+3.6pp | 10.0%-3.0pp | 8.5%-7.8pp | 23.7%+69.3pp | 7.0%-5.1pp | 13.0%-4.1pp | 16.3% |
| Return on Equity | 0.5%-0.6pp | 0.5%+0.2pp | 0.4%-0.1pp | 0.4%-0.3pp | 1.1%+2.7pp | 0.3%-0.3pp | 0.5%-0.3pp | 0.7%+6.1pp |
| Return on Assets | 0.1%-0.1pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%-0.1pp | 0.2%+0.5pp | 0.1%-0.1pp | 0.1%-0.1pp | 0.1%+1.1pp |
| Liabilities-to-Equity | 5.56+1.0x | 5.20+0.7x | 5.07+0.7x | 4.78+0.5x | 4.61+0.5x | 4.51+0.2x | 4.37-0.1x | 4.25-0.4x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 44.0%+27.2pp | 22.4%-9.9pp | 37.0%+56.5pp | 14.0%-6.3pp | 16.7%-42.4pp | 32.3%+77.5pp | -19.5%-9.1pp | 20.3%+59.5pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| SR Bancorp, Inc. SRBK | FY2026 | $33.4M | $3.4M | 10.0% | $138.3M | 39/100 |
| Bogota Financial Corp. BSBK | FY2025 | $17.2M | $2.1M | 12.1% | $116.1M | 40/100 |
| Richmond Mutual Bancorporation, Inc. RMBI | FY2025 | $48.9M | $11.6M | 23.7% | $256.4M | 44/100 |
| Finward Bancorp FNWD | FY2025 | $66.0M | $8.1M | 12.3% | $188.4M | 36/100 |
| Magyar Bancorp, Inc. MGYR | FY2025 | $54.7M | $9.8M | 17.8% | $124.1M | 67/100 |
Where SR Bancorp, Inc. Ranks
Frequently Asked Questions
What is SR Bancorp, Inc.'s annual revenue?
SR Bancorp, Inc. (SRBK) reported $33.4M in total revenue for fiscal year 2026. This represents a 0.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is SR Bancorp, Inc.'s revenue growing?
SR Bancorp, Inc. (SRBK) revenue grew by 0.4% year-over-year, from $33.3M to $33.4M in fiscal year 2026.
Is SR Bancorp, Inc. profitable?
Yes, SR Bancorp, Inc. (SRBK) reported a net income of $3.4M in fiscal year 2026, with a net profit margin of 10.0%.
What is SR Bancorp, Inc.'s net profit margin?
SR Bancorp, Inc. (SRBK) had a net profit margin of 10.0% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
Does SR Bancorp, Inc. pay dividends?
Yes, SR Bancorp, Inc. (SRBK) paid $0.21 per share in dividends during fiscal year 2026.
What is SR Bancorp, Inc.'s return on equity (ROE)?
SR Bancorp, Inc. (SRBK) has a return on equity of 1.8% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is SR Bancorp, Inc.'s free cash flow?
SR Bancorp, Inc. (SRBK) generated $9.9M in free cash flow during fiscal year 2026. This represents a 133.5% 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 $10.7M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are SR Bancorp, Inc.'s total assets?
SR Bancorp, Inc. (SRBK) had $1.2B in total assets as of fiscal year 2026, including both current and long-term assets.
What are SR Bancorp, Inc.'s capital expenditures?
SR Bancorp, Inc. (SRBK) invested $820K in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is SR Bancorp, Inc.'s liabilities-to-equity ratio?
SR Bancorp, Inc. (SRBK) had a liabilities-to-equity ratio of 5.56 as of fiscal year 2026, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2026, because the filing data we hold for that year carries no long-term debt figure.
What is SR Bancorp, Inc.'s return on assets (ROA)?
SR Bancorp, Inc. (SRBK) had a return on assets of 0.3% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is SR Bancorp, Inc.'s P/E ratio?
SR Bancorp, Inc. (SRBK) trades at 41.2x earnings, its market capitalization divided by $3.4M net income, FY2026. The market capitalization is $138.3M as of Oct 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is SR Bancorp, Inc.'s price-to-sales ratio?
SR Bancorp, Inc. (SRBK) trades at 4.1x sales, its market capitalization divided by $33.4M revenue, FY2026. The market capitalization is $138.3M as of Oct 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is SR Bancorp, Inc.'s Piotroski F-Score?
SR Bancorp, Inc. (SRBK) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
How financially healthy is SR Bancorp, Inc.?
SR Bancorp, Inc. (SRBK) scores 39 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.