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 Sep 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2026, filed May 15, 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 $30.6M in revenue over the twelve months to Mar 31, 2026, down 0.2% from the prior twelve months. This page shows its 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).
FY2025’s earnings recovery came through cash conversion while a liability-heavy balance sheet funded continued expansion.
The earnings recovery from a-$10.9M net loss in FY2024 to$5.1M profit in FY2025 occurred despite higher interest expense, so the rebound was not driven by cheaper funding. Operating cash flow of$4.7M stayed close to free cash flow of$4.2M , indicating reported profit was largely realized in cash after investment spending.
FY2024-to-FY2025 revenue was nearly unchanged while SG&A declined, making this a flat-volume recovery rather than a top-line expansion story. The visible mechanism is expense normalization or improved operating efficiency, not scale alone.
A 4.6x debt-to-equity ratio paired with FY2025 financing inflow of
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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 0.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -1.1% 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 $29.7M in fiscal year 2025, against $29.5M in fiscal year 2024. 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 91/100 among other banks.
SR Bancorp Inc funded 17.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $193.8M of equity against $1.1B of assets. Capital ranks banks on that cushion, and SR Bancorp Inc scores 83/100 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 8/100 on it among other banks.
Not available for SR Bancorp Inc, and counted as zero in the overall score.
SR Bancorp Inc reported net income of $5.1M in fiscal year 2025, against a loss of $10.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and SR Bancorp Inc scores 2/100 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, neither operating efficiency signal passes.
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 generated $8.4M in revenue in Q3 2026. This represents an increase of 8.2% from the same quarter a year earlier. Against the prior quarter it is down 0.2%.
SR Bancorp Inc reported $886K in net income in Q3 2026. This represents an increase of 65.0% from the same quarter a year earlier. Against the prior quarter it is up 6.2%.
SR Bancorp Inc earned $0.12 per diluted share (EPS) in Q3 2026. This represents an increase of 100.0% from the same quarter a year earlier. Against the prior quarter it is up 9.1%.
Not reported for Q3 2026.
Cash & Balance Sheet
SR Bancorp Inc generated $1.9M in free cash flow in Q3 2026, representing cash available after capex. This represents a decrease of 24.9% from the same quarter a year earlier. Against the prior quarter it is down 39.4%.
SR Bancorp Inc held $63.7M in cash as of Q3 2026; long-term debt is not reported for that period.
SR Bancorp Inc paid $0.05 per share in dividends in Q3 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
SR Bancorp Inc's net profit margin was 10.6% in Q3 2026, showing the share of revenue converted to profit. This is up 3.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.
SR Bancorp Inc's ROE was 0.5% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
SR Bancorp Inc spent $5.0M on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 47.0% from the same quarter a year earlier. Against the prior quarter it is up 20.9%.
SR Bancorp Inc invested $133K in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 79.7% from the same quarter a year earlier. Against the prior quarter it is down 73.1%.
Not reported for Q3 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 | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $8.4M+8.2% | $8.4M+6.4% | $8.2M-2.8% | $5.7M-14.4% | $7.7M-12.1% | $7.9M-16.2% | $8.4M+80.2% | $6.6M+79.6% |
| SG&A Expenses | $4.0M+8.6% | $3.9M+16.6% | $3.9M+18.9% | $3.6M+18.9% | $3.7M+1.4% | $3.4M-13.1% | $3.2M-28.7% | $3.1M+73.7% |
| Interest Expense | $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% | $3.5M+218.6% |
| Income Tax | $282K+216.9% | $254K-21.6% | $202K-44.4% | $215K-35.6% | $89K-69.5% | $324K-20.6% | $363K+118.7% | $334K+190.4% |
| Net Income | $886K+65.0% | $834K-18.3% | $693K-49.3% | $2.2M+172.9% | $537K-49.5% | $1.0M-36.5% | $1.4M+113.0% | -$3.0M-661.5% |
| EPS (Basic) | $0.12+100.0% | $0.11-8.3% | $0.09-43.8% | $0.27+184.4% | $0.06-50.0% | $0.12-33.3% | $0.16+101.6% | -$0.32 |
| EPS (Diluted) | $0.12+100.0% | $0.11-8.3% | $0.09-43.8% | $0.27+184.4% | $0.06-50.0% | $0.12-33.3% | $0.16 | -$0.32 |
| Diluted Shares (Avg) | 8M-9.1% | 8M-10.4% | 8M-10.0% | N/A | 8M-5.4% | 9M-2.0% | 9M | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D 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 | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.1B+6.5% | $1.1B+7.4% | $1.1B+5.4% | $1.1B+6.2% | $1.1B+2.0% | $1.1B-1.0% | $1.1B-5.0% | $1.0B+56.7% |
| Cash & Equivalents | $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% | $45.9M+8.2% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $20.4M0.0% | $20.4M0.0% | $20.4M | $20.4M0.0% | $20.4M | $20.4M | N/A | $20.4M |
| Total Liabilities | $959.0M+9.1% | $954.5M+10.2% | $918.2M+7.7% | $890.6M+8.4% | $878.8M+3.0% | $866.4M-1.2% | $852.4M-6.7% | $821.4M+55.1% |
| Total Equity | $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% | $199.5M+63.4% |
| Retained Earnings | $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% | $116.2M-8.6% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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 | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.0M-21.9% | $3.6M+350.8% | $1.2M-31.7% | $1.7M-62.8% | $2.6M+165.5% | -$1.4M-53.2% | $1.8M+215.3% | $4.7M+430.8% |
| Depreciation & Amortization | $1.1M-13.1% | $554K-3.1% | $533K-22.0% | $538K-21.6% | $1.3M+102.0% | $572K-12.3% | $683K+337.8% | $686K+566.0% |
| Stock-Based Compensation | $555K+43.0% | $505K+255.6% | $497K+428.7% | N/A | $388K | $142K | $94K+840.0% | N/A |
| Capital Expenditures | $133K+79.7% | $494K+389.1% | $76K-7.3% | $176K-76.3% | $74K+68.2% | $101K+146.3% | $82K-70.0% | $744K+439.1% |
| Free Cash Flow | $1.9M-24.9% | $3.1M+302.1% | $1.1M-32.9% | $1.6M-60.2% | $2.5M+162.9% | -$1.5M-57.1% | $1.7M+193.5% | $3.9M+429.2% |
| Investing Cash Flow | -$18.3M-673.2% | -$12.4M-222.8% | -$25.5M+19.5% | -$12.6M-465.1% | -$2.4M-155.0% | -$3.9M-184.0% | -$31.7M-5452.9% | $3.4M+144.4% |
| Financing Cash Flow | -$1.9M-122.2% | $32.4M+183.7% | $24.8M-20.7% | $6.4M+118.4% | $8.6M+147.4% | $11.4M+133.1% | $31.3M-61.2% | -$34.7M-166.4% |
| Dividends Paid | $394K | $406K | $429K | $444K | $0 | $0 | $0 | N/A |
| Share Buybacks | $5.0M+47.0% | $4.1M+29.7% | $2.9M+297.0% | $4.0M | $3.4M | $3.2M | $737K | N/A |
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 | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 10.6%+3.6pp | 10.0%-3.0pp | 8.5%-7.8pp | 38.9%+84.5pp | 7.0%-5.1pp | 13.0%-4.1pp | 16.3% | -45.6%-60.2pp |
| Return on Equity | 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 | -1.5%-2.0pp |
| Return on Assets | 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 | -0.3%-0.4pp |
| Debt-to-Equity | 5.20+0.7x | 5.07+0.7x | 4.78+0.5x | 4.60+0.5x | 4.51+0.2x | 4.37-0.1x | 4.25-0.4x | 4.12-0.2x |
| 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 | 22.4%-9.9pp | 37.0%+56.5pp | 14.0%-6.3pp | 27.4%-31.6pp | 32.3%+77.5pp | -19.5%-9.1pp | 20.3%+59.5pp | 59.1%+39.0pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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 | FY2025 | $29.7M | $5.1M | 17.3% | $143.6M | 33/100 |
| Bogota Finl Corp BSBK | FY2025 | $17.2M | $2.1M | 12.1% | $117.1M | 40/100 |
| Richmond Mut Bancorporation RMBI | FY2025 | $48.9M | $11.6M | 23.7% | $256.8M | 36/100 |
| Finward Bancorp FNWD | FY2025 | $66.0M | $8.1M | 12.3% | $190.2M | 36/100 |
| Affinity Bancshares Inc AFBI | FY2025 | $33.1M | $8.3M | 25.2% | $140.2M | 59/100 |
| Magyar Bancorp MGYR | FY2025 | $54.7M | $9.8M | 17.8% | $127.8M | 54/100 |
Where SR Bancorp Inc Ranks
Frequently Asked Questions
What is SR Bancorp Inc's annual revenue?
SR Bancorp Inc (SRBK) reported $29.7M in total revenue for fiscal year 2025. This represents a 0.7% 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 0.7% year-over-year, from $29.5M to $29.7M in fiscal year 2025.
Is SR Bancorp Inc profitable?
Yes, SR Bancorp Inc (SRBK) reported a net income of $5.1M in fiscal year 2025, with a net profit margin of 17.3%.
What is SR Bancorp Inc's net profit margin?
SR Bancorp Inc (SRBK) had a net profit margin of 17.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
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 P/E ratio?
SR Bancorp Inc (SRBK) trades at 31.1x earnings, its market capitalization divided by net income of $4.6M net income, trailing 12 months to March 31, 2026. The market capitalization is $143.6M as of Sep 5, 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 4.7x sales, its market capitalization divided by revenue of $30.6M revenue, trailing 12 months to March 31, 2026. The market capitalization is $143.6M as of Sep 5, 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.
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 33 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite 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.