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).
SR Bancorp's earnings engine sits on a large, leveraged balance sheet, making cash management as important as annual profit.
The FY2025 rebound to$5.1M of net income looked more durable because operating cash flow reached$4.7M , reversing FY2024's negative pairing of profit and cash. Yet capitalization did not improve in step: equity fell to$193.8M even as cash rose to$57.8M , which shows balance-sheet and financing moves mattered more than one year of earnings.
This is a high-leverage balance-sheet model; debt-to-equity was 4.6x in FY2025 while return on assets was only
Cash conversion was better than accounting profit alone implies, with free cash flow of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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 has elevated debt relative to equity (D/E of 4.60), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 8/100, reflecting increased financial risk.
SR Bancorp Inc generates a 2.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 11/100. This is up from -5.4% the prior year.
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
Earnings & Revenue
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.
Cash & Balance Sheet
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 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.
Margins & Returns
SR Bancorp Inc's ROE was 2.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 8.1 percentage points from the prior year.
Capital Allocation
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 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $12.5M | N/A | N/A | N/A | $11.5M | 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 | $4.0M+1.9% | $3.9M+1.8% | $3.9M | N/A | $3.7M+9.4% | $3.4M+3.9% | $3.2M | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $4.7M+3.2% | $4.5M+4.1% | $4.3M | N/A | $4.3M-0.2% | $4.3M+11.2% | $3.9M | N/A |
| Income Tax | $282K+11.0% | $254K+25.7% | $202K | N/A | $89K-72.5% | $324K-10.7% | $363K | N/A |
| Net Income | $886K+6.2% | $834K+20.3% | $693K | N/A | $537K-47.4% | $1.0M-25.3% | $1.4M | N/A |
| EPS (Diluted) | $0.12+9.1% | $0.11+22.2% | $0.09 | N/A | $0.06-50.0% | $0.12-25.0% | $0.16 | N/A |
SRBK Balance Sheet
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.1B0.0% | $1.1B+3.0% | $1.1B+2.4% | $1.1B+1.0% | $1.1B+0.9% | $1.1B+1.1% | $1.1B+3.1% | $1.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $63.7M-22.2% | $81.8M+40.4% | $58.3M+0.9% | $57.8M-7.1% | $62.2M+16.5% | $53.4M+13.0% | $47.3M+3.0% | $45.9M |
| 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% | $20.4M0.0% | $20.4M | N/A | $20.4M |
| Total Liabilities | $959.0M+0.5% | $954.5M+4.0% | $918.2M+3.1% | $890.6M+1.3% | $878.8M+1.4% | $866.4M+1.6% | $852.4M+3.8% | $821.4M |
| 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 | $184.4M-2.1% | $188.5M-1.8% | $191.9M-1.0% | $193.8M-0.7% | $195.1M-1.6% | $198.1M-1.2% | $200.5M+0.5% | $199.5M |
| Retained Earnings | $121.8M+0.4% | $121.2M+0.4% | $120.8M+0.2% | $120.5M+1.5% | $118.7M+0.1% | $118.6M+0.9% | $117.6M+1.2% | $116.2M |
SRBK Cash Flow Statement
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.0M-44.1% | $3.6M+193.9% | $1.2M-29.6% | $1.7M-32.4% | $2.6M+279.5% | -$1.4M-180.0% | $1.8M-61.7% | $4.7M |
| Capital Expenditures | $133K-73.1% | $494K+550.0% | $76K-56.8% | $176K+137.8% | $74K-26.7% | $101K+23.2% | $82K-89.0% | $744K |
| Free Cash Flow | $1.9M-39.4% | $3.1M+170.3% | $1.1M-26.6% | $1.6M-37.5% | $2.5M+262.9% | -$1.5M-189.8% | $1.7M-56.5% | $3.9M |
| Investing Cash Flow | -$18.3M-47.0% | -$12.4M+51.3% | -$25.5M-103.2% | -$12.6M-431.9% | -$2.4M+38.6% | -$3.9M+87.9% | -$31.7M-1021.4% | $3.4M |
| Financing Cash Flow | -$1.9M-105.9% | $32.4M+30.4% | $24.8M+289.0% | $6.4M-25.7% | $8.6M-24.7% | $11.4M-63.6% | $31.3M+190.2% | -$34.7M |
| Dividends Paid | $394K-3.0% | $406K-5.4% | $429K-3.4% | $444K | $0 | $0 | $0 | N/A |
| Share Buybacks | $5.0M+20.9% | $4.1M+41.0% | $2.9M-27.1% | $4.0M+18.2% | $3.4M+6.8% | $3.2M+331.5% | $737K | N/A |
SRBK Financial Ratios
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 7.1% | N/A | N/A | N/A | 4.7% | N/A | N/A | N/A |
| Return on Equity | 0.5%+0.0pp | 0.4%+0.1pp | 0.4% | N/A | 0.3%-0.2pp | 0.5%-0.2pp | 0.7% | N/A |
| Return on Assets | 0.1%+0.0pp | 0.1%+0.0pp | 0.1% | N/A | 0.1%-0.1pp | 0.1%-0.0pp | 0.1% | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 5.20+0.1 | 5.07+0.3 | 4.78+0.2 | 4.60+0.1 | 4.51+0.1 | 4.37+0.1 | 4.25+0.1 | 4.12 |
| FCF Margin | 15.0% | N/A | N/A | N/A | 21.8% | 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.
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.
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 to 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.
How financially healthy is SR Bancorp Inc?
SR Bancorp Inc (SRBK) scores 3 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.