SRBK

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SR Bancorp, Inc.

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Key Metrics

Previous Close: $20.38
52-Week Range: $14.28 – $20.95
Market Cap: $143.85M
P/E (TTM): 44.98
EPS (TTM): 0.44
Dividend Yield: 1.18%

Advanced Metrics

Price/Book: 0.78
PEG Ratio: —
Return on Equity: 1.79%
Return on Assets: 0.29%
Gross Margin: 0.00%
Operating Margin: 16.00%
Profit Margin: 10.20%
Current Ratio: —
Debt/Equity: —
Total Debt: $67.78M
Free Cash Flow: —
Revenue Growth: 9.30%
Earnings Growth: -52.80%
Enterprise Value: $142.02M

SRBK Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$13.25M	$14.96M	$26.88M	$33.31M
Selling, General & Admin	$7.25M	$8.66M	$16.81M	$15.74M
Pretax Income	$2.23M	$1.80M	-$11.77M	$6.13M
Income Tax	$363.00K	$250.00K	-$909.00K	$991.00K
Net Income	$1.87M	$1.55M	-$10.86M	$5.14M
Diluted EPS	0.20	0.16	-1.59	0.44
Diluted Shares	9.51M	9.51M	6.83M	—

SRBK Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$35.34M	$42.45M	$45.91M	$57.78M
Receivables	$1.07M	$1.19M	$2.69M	$3.07M
Total Assets	$648.63M	$651.49M	$1.02B	$1.08B
Long-Term Debt	—	$20.00M	—	$30.00M
Total Debt	—	$20.02M	$2.40M	$33.21M
Total Liabilities	$530.40M	$529.40M	$821.36M	$890.63M
Retained Earnings	$125.55M	$127.10M	$116.20M	$120.50M
Shareholders' Equity	$118.23M	$122.08M	$199.48M	$193.78M

SRBK Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$1.03M	$2.32M	-$1.74M	$4.67M
Capital Expenditure	-$327.00K	-$516.00K	-$1.10M	-$433.00K
Free Cash Flow	$708.00K	$1.80M	-$2.84M	$4.23M
Depreciation & Amortisation	$395.00K	$394.00K	$2.17M	$2.34M
Stock-Based Compensation	—	$0.00	$515.00K	$1.11M
Investing Cash Flow	-$34.90M	$2.69M	$11.75M	-$50.48M
Financing Cash Flow	$12.46M	$2.09M	-$6.55M	$57.69M
Dividends Paid	—	—	$0.00	-$444.00K
Share Repurchases	—	—	$0.00	-$11.32M
Net Change in Cash	-$21.41M	$7.11M	$3.46M	$11.87M

SRBK Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$9.33M	$8.16M	$8.37M	$8.36M	—
Selling, General & Admin	$4.09M	$4.33M	$4.37M	$4.45M	—
Pretax Income	$2.43M	$895.00K	$1.09M	$1.17M	—
Income Tax	$215.00K	$202.00K	$254.00K	$282.00K	—
Net Income	$2.21M	$693.00K	$834.00K	$886.00K	—
Diluted EPS	0.10	0.09	0.11	0.12	0.13
Diluted Shares	8.06M	7.93M	7.69M	7.56M	7.43M

SRBK Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$62.22M	$57.78M	$58.30M	$81.84M	$63.68M
Receivables	$2.96M	$3.07M	$3.16M	$3.20M	$3.46M
Total Assets	$1.07B	$1.08B	$1.11B	$1.14B	$1.14B
Long-Term Debt	$30.00M	$30.00M	$35.00M	$50.00M	$50.00M
Total Debt	$32.01M	$33.21M	$38.00M	$52.78M	$53.00M
Total Liabilities	$878.84M	$890.63M	$918.16M	$954.51M	$959.00M
Retained Earnings	$118.70M	$120.50M	$120.80M	$121.24M	$121.75M
Shareholders' Equity	$195.07M	$193.78M	$191.93M	$188.45M	$184.45M

SRBK Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$2.57M	$1.74M	$1.22M	$3.59M	$2.01M
Capital Expenditure	-$74.00K	-$176.00K	-$76.00K	-$494.00K	-$133.00K
Free Cash Flow	$2.50M	$1.56M	$1.15M	$3.10M	$1.88M
Depreciation & Amortisation	$550.00K	$538.00K	$533.00K	$554.00K	$518.00K
Stock-Based Compensation	$388.00K	$482.00K	$497.00K	$505.00K	$555.00K
Investing Cash Flow	-$2.36M	-$12.56M	-$25.52M	-$12.43M	-$18.26M
Financing Cash Flow	$8.59M	$6.38M	$24.83M	$32.37M	-$1.91M
Dividends Paid	$0.00	—	-$429.00K	-$406.00K	-$394.00K
Share Repurchases	-$3.40M	-$4.01M	-$2.93M	-$4.13M	-$4.99M
Net Change in Cash	$8.80M	-$4.45M	$526.00K	$23.54M	-$18.16M

Market Snapshot

About

SR Bancorp, Inc. is a bank holding company headquartered in Indiana. The company provides community banking services including commercial and retail banking, mortgage lending, and wealth management through its subsidiary SR Bank. It primarily serves customers in northern Indiana with a focus on relationship-based banking.