SR Bancorp, Inc. Common stock
$18.48
-1.0%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. The company was founded in 1887 and is based in Bound Brook, New Jersey.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is elevated (P/E 30.3).
Valuation inputs: P/E 30.3, earnings yield +3.3%, momentum -1.0%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +2.6%, ROIC +2.2%).
Profitability stack: net margin +10.3%, ROE +2.6%, ROIC +2.2%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +82.1%, momentum -1.0%, net margin +10.3%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
SR Bancorp, Inc. Common stock Market vs Earnings Trajectory
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SR Bancorp, Inc. Common stock Fair Value Envelope
SR Bancorp, Inc. Common stock Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
SR Bancorp, Inc. Common stock Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
SR Bancorp, Inc. Common stock Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.
Financial Health Insight
Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.
SR Bancorp, Inc. Common stock Street Expectations Map
No Target Data
No analyst price targets available for srbk.
SR Bancorp, Inc. Common stock Insider Positioning
During the last 12 months, insiders have purchased $131K worth of SRBK shares, with no selling activity reported.
3 Months
3.3K
54.42K
0
0.00
+54K
+$54K
3-6 Months
1.5K
25.82K
0
0.00
+26K
+$26K
6-9 Months
2.5K
38.29K
0
0.00
+38K
+$38K
9-12 Months
1.0K
12.39K
0
0.00
+12K
+$12K
Top Buyers
Faqueri Harris M
Officer: Svp And Cfo
$49K
Pribula Christopher J
Director, Officer: President And Coo
$27K
Mustard Robert Kenneth
Director
$20K
Lupo Thomas
Director
$16K
Taylor William P
Director, Officer: Ceo
$8K
Top Sellers
No selling activity
Insider Activity Analysis
Net Insider Sentiment
Strong bullish signal with $131K net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.
Buy/Sell Ratio
Perfect buy/sell ratio. Only buying activity with zero selling—the most bullish possible insider signal.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider buyers vs. 0 sellers. Broad-based buying across management team suggests widespread confidence.
Insider Activity Insight
Strong confluence of bullish signals: High buy/sell ratio, multiple insiders participating, and recent buying momentum all point to significant insider confidence. This level of coordinated buying often precedes positive developments.
srbk Dividend History
Learning Layer
Related Guides
Build conviction on SRBK by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.