SR Bancorp (SRBK) Stock Price, News & Analysis

Company Overview

SR Bancorp, Inc. is the holding company for Somerset Savings Bank, S.L.A., a community-oriented savings institution headquartered in Bound Brook, New Jersey. The bank serves individuals, families and businesses in communities primarily across central New Jersey.

Somerset Savings Bank provides deposit products, including checking, savings, money market and certificate of deposit accounts, along with residential mortgage loans, home equity financing, commercial real estate loans, business lending and consumer loans. Its services also include digital and mobile banking, treasury-related services and other traditional community banking products.

The institution traces its history to 1887 and operates through a local branch network. SR Bancorp became a publicly traded company in 2023 following the mutual-to-stock conversion of Somerset Savings Bank, continuing the bank’s focus on relationship-based banking and lending in its New Jersey service area.

Key Stats

• Today's Range: $17.68 to $18.80
• 50-Day Range: $18.75 to $20.38
• 52-Week Range: $14.33 to $20.95
• Volume: 2,494 shs
• Average Volume: 37,349 shs
• Market Capitalization: $150.54 million
• P/E Ratio: 41.30
• Dividend Yield: 1.29%
• Price Target: $19.00
• Consensus Rating: Moderate Buy

SR Bancorp Stock Analysis - MarketRank™

SR Bancorp scored higher than 26% of companies evaluated by MarketBeat, and ranked 711th out of 854 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.6 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

SR Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for SR Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

SR Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of SR Bancorp is 41.67, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 38.81.

Price to Earnings Ratio vs. Sector

The P/E ratio of SR Bancorp is 41.67, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 24.65.

Price to Book Value per Share Ratio

SR Bancorp has a P/B Ratio of 0.87. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.48% of the float of SR Bancorp has been sold short.

Short Interest Ratio / Days to Cover

SR Bancorp has a short interest ratio ("days to cover") of 15.75, which indicates bearish sentiment.

Change versus previous month

Short interest in SR Bancorp has recently increased by 7.23%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

SR Bancorp pays a meaningful dividend of 1.27%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

SR Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of SR Bancorp is 53.33%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 2.7 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $5,052.00 in company stock, which represents 0.0033% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, SR Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $5,052.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

7.82% of the stock of SR Bancorp is held by insiders.

Percentage Held by Institutions

24.70% of the stock of SR Bancorp is held by institutions.

Company Calendar

• Record date for 7/15 Dividend: 6/30/2026
• Ex-Dividend for 7/15 Dividend: 6/30/2026
• Dividend Payable: 7/15/2026
• Last Earnings: 7/28/2026
• Record date for 10/15 Dividend: 9/30/2026
• Ex-Dividend for 10/15 Dividend: 9/30/2026
• Today: 10/02/2026
• Dividend Payable: 10/15/2026
• Next Earnings (Estimated): 10/26/2026
• Fiscal Year End: 6/30/2027

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:SRBK
• Previous Symbol: NASDAQ:SRBK
• CIK: 1951276
• Web: www.somersetregalbank.com
• Phone: 732-560-1700
• Fax: N/A
• Employees: 119
• Year Founded: N/A

Price Target and Rating

• Average Price Target for SR Bancorp: $19.00
• High Price Target: $19.00
• Low Price Target: $19.00
• Potential Upside/Downside: +2.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.45
• Trailing P/E Ratio: 41.30
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $3.35 million
• Net Margins: 6.47%
• Pretax Margin: 8.49%
• Return on Equity: 1.62%
• Return on Assets: 0.26%

Debt

• Debt-to-Equity Ratio: 0.36
• Current Ratio: 1.06
• Quick Ratio: 1.04

Sales & Book Value

• Annual Sales: $51.80 million
• Price / Sales: 2.91
• Cash Flow: $0.64 per share
• Price / Cash Flow: 29.08
• Book Value: $21.54 per share
• Price / Book: 0.86

Miscellaneous

• Outstanding Shares: 8,100,000
• Free Float: 7,467,000
• Market Cap: $150.54 million
• Optionable: Not Optionable
• Beta: 0.58