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SR Bancorp (SRBK) Financials

SR Bancorp logo
$18.93 -0.03 (-0.16%)
Closing price 07/10/2026 04:00 PM Eastern
Extended Trading
$18.98 +0.05 (+0.29%)
As of 07/10/2026 04:34 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
Annual Income Statements for SR Bancorp

Annual Income Statements for SR Bancorp

This table shows SR Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 6/30/2023 6/30/2024 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders
1.55 -11 5.14
Consolidated Net Income / (Loss)
1.55 -11 5.14
Net Income / (Loss) Continuing Operations
1.55 -11 5.14
Total Pre-Tax Income
1.80 -12 6.13
Total Operating Income
1.26 -6.71 3.53
Total Gross Profit
6.44 12 16
Total Revenue
14 33 47
Operating Revenue
14 33 47
Total Cost of Revenue
7.97 21 31
Operating Cost of Revenue
7.97 17 31
Other Cost of Revenue
0.00 4.07 0.13
Total Operating Expenses
5.18 19 13
Selling, General & Admin Expense
1.03 2.00 1.85
Marketing Expense
0.20 0.30 0.39
Other Operating Expenses / (Income)
3.96 17 10
Total Other Income / (Expense), net
0.54 -5.06 2.59
Interest & Investment Income
0.00 0.16 1.04
Other Income / (Expense), net
0.54 -4.41 1.54
Income Tax Expense
0.25 -0.91 0.99
Basic Earnings per Share
$0.00 ($1.59) $0.61
Weighted Average Basic Shares Outstanding
0.00 6.83M 8.43M
Diluted Earnings per Share
$0.00 ($1.59) $0.61
Weighted Average Diluted Shares Outstanding
0.00 6.83M 8.44M
Weighted Average Basic & Diluted Shares Outstanding
- - 8.71M
Cash Dividends to Common per Share
- - $0.10

Quarterly Income Statements for SR Bancorp

This table shows SR Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2024 12/31/2024 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders
1.37 1.02 1.06 - 1.37 1.02 0.54 0.69 0.83 0.89
Consolidated Net Income / (Loss)
1.37 1.02 1.06 - 1.37 1.02 0.54 0.69 0.83 0.89
Net Income / (Loss) Continuing Operations
1.37 1.02 1.06 - 1.37 1.02 0.54 0.69 0.83 0.89
Total Pre-Tax Income
1.73 1.35 1.36 - 1.73 1.35 0.63 0.90 1.09 1.17
Total Operating Income
1.87 1.61 1.49 - 1.87 1.61 1.01 1.28 1.48 1.63
Total Gross Profit
5.33 4.64 5.31 - 5.33 4.64 4.27 4.40 4.67 4.62
Total Revenue
9.46 9.38 9.04 - 9.46 9.38 11 10 10 11
Operating Revenue
9.46 9.38 9.04 - 9.46 9.38 11 10 10 11
Total Cost of Revenue
4.13 4.74 3.73 - 4.13 4.74 6.42 5.71 5.81 6.60
Operating Cost of Revenue
4.29 4.73 3.87 - 4.29 4.73 6.39 5.54 5.76 6.52
Other Cost of Revenue
-0.15 0.01 -0.14 - -0.15 0.01 0.04 0.17 0.05 0.08
Total Operating Expenses
3.46 3.02 3.82 - 3.46 3.02 3.26 3.12 3.19 2.99
Selling, General & Admin Expense
0.49 0.47 0.36 - 0.49 0.47 0.60 0.44 0.51 0.54
Marketing Expense
0.08 0.09 0.08 - 0.08 0.09 0.10 0.13 0.11 0.12
Other Operating Expenses / (Income)
2.89 2.47 3.39 - 2.89 2.47 2.56 2.55 2.57 2.33
Total Other Income / (Expense), net
-0.14 -0.27 -0.13 - -0.14 -0.27 -0.38 -0.38 -0.39 -0.47
Interest Expense
0.16 0.30 0.23 - 0.16 0.30 0.38 0.38 0.40 0.47
Income Tax Expense
0.36 0.32 0.29 - 0.36 0.32 0.09 0.20 0.25 0.28
Basic Earnings per Share
$0.16 $0.12 $0.12 - $0.16 $0.12 $0.06 $0.09 $0.11 $0.12
Weighted Average Basic Shares Outstanding
8.81M 8.59M 8.79M 6.83M 8.81M 8.59M 8.30M 7.85M 7.58M 7.38M
Diluted Earnings per Share
$0.16 $0.12 $0.12 - $0.16 $0.12 $0.06 $0.09 $0.11 $0.12
Weighted Average Diluted Shares Outstanding
8.81M 8.59M 8.79M 6.83M 8.81M 8.59M 8.32M 7.93M 7.69M 7.56M
Weighted Average Basic & Diluted Shares Outstanding
9.44M 9.51M 9.51M 0.00 - - 9.00M 8.53M 8.34M 8.10M
Cash Dividends to Common per Share
- - - - - - $0.05 $0.05 $0.05 $0.05

Annual Cash Flow Statements for SR Bancorp

This table details how cash moves in and out of SR Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 6/30/2023 6/30/2024 6/30/2025
Net Change in Cash & Equivalents
7.11 3.46 12
Net Cash From Operating Activities
2.32 -1.74 4.67
Net Cash From Continuing Operating Activities
2.32 -1.74 4.67
Net Income / (Loss) Continuing Operations
1.55 -11 5.14
Consolidated Net Income / (Loss)
1.55 -11 5.14
Depreciation Expense
0.41 0.80 0.91
Amortization Expense
1.12 2.02 2.43
Non-Cash Adjustments To Reconcile Net Income
-0.54 7.18 -4.07
Changes in Operating Assets and Liabilities, net
-0.22 -0.88 0.26
Net Cash From Investing Activities
2.70 12 -50
Net Cash From Continuing Investing Activities
2.70 12 -50
Purchase of Property, Plant & Equipment
-0.52 -1.10 -0.43
Acquisitions
0.00 -70 0.00
Purchase of Investments
-29 -46 -61
Sale of Property, Plant & Equipment
0.00 0.01 0.00
Divestitures
0.00 55 0.00
Sale and/or Maturity of Investments
32 64 14
Other Investing Activities, net
-0.02 8.80 -2.73
Net Cash From Financing Activities
2.09 -6.55 58
Net Cash From Continuing Financing Activities
2.09 -6.55 58
Repayment of Debt
0.00 -20 0.00
Repurchase of Common Equity
- 0.00 -11
Payment of Dividends
- 0.00 -0.44
Issuance of Debt
20 0.00 30
Issuance of Common Equity
0.00 79 0.00
Other Financing Activities, net
-18 -66 39
Cash Interest Paid
2.43 9.58 15
Cash Income Taxes Paid
0.00 0.48 0.00

Quarterly Cash Flow Statements for SR Bancorp

This table details how cash moves in and out of SR Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents
79 -31 23 -27 1.39 6.13 8.80 -4.45 0.53 24 -18
Net Cash From Operating Activities
-1.55 -0.94 -6.77 4.67 1.79 -1.43 2.57 1.74 1.22 3.59 2.01
Net Cash From Continuing Operating Activities
-1.55 -0.94 -6.77 4.67 1.79 -1.43 2.57 1.74 1.22 3.59 2.01
Net Income / (Loss) Continuing Operations
-10 1.61 -10 -3.03 1.37 1.02 0.54 2.21 0.69 0.83 0.89
Consolidated Net Income / (Loss)
-10 1.61 -10 -3.03 1.37 1.02 0.54 2.21 0.69 0.83 0.89
Depreciation Expense
0.10 0.20 0.02 0.28 0.30 0.21 0.20 0.21 0.22 0.26 0.23
Amortization Expense
0.25 0.66 0.41 0.59 0.51 0.52 1.07 0.34 0.41 0.45 0.39
Non-Cash Adjustments To Reconcile Net Income
8.33 -1.92 2.78 7.41 -1.74 -1.27 -0.76 -0.31 -0.21 -0.21 -0.04
Changes in Operating Assets and Liabilities, net
0.27 -1.48 0.25 -0.57 1.36 -1.91 1.53 -0.71 0.12 2.26 0.55
Net Cash From Investing Activities
-0.57 4.59 44 3.44 -32 -3.85 -2.36 -13 -26 -12 -18
Net Cash From Continuing Investing Activities
-0.57 4.59 44 3.44 -32 -3.85 -2.36 -13 -26 -12 -18
Purchase of Property, Plant & Equipment
-0.27 -0.04 -0.18 -0.74 -0.08 -0.10 -0.07 -0.18 -0.08 -0.49 -0.13
Purchase of Investments
-13 -0.98 27 -31 -34 -6.95 -6.89 -16 -29 -15 -24
Sale and/or Maturity of Investments
18 5.61 21 36 3.57 3.65 3.25 3.52 3.57 3.39 5.98
Other Investing Activities, net
8.81 - 10 0.03 -0.90 -0.45 1.35 -0.03 -0.23 -0.68 0.18
Net Cash From Financing Activities
81 -35 -15 -35 31 11 8.59 6.38 25 32 -1.91
Net Cash From Continuing Financing Activities
81 -35 -15 -35 31 11 8.59 6.38 25 32 -1.91
Repurchase of Common Equity
0.00 - 3.92 - -0.74 -3.18 -3.40 -4.01 -2.93 -4.13 -4.99
Payment of Dividends
- - - - 0.00 - - - -0.43 -0.41 -0.39
Other Financing Activities, net
1.33 -35 -52 -30 12 4.59 12 11 23 22 3.48
Cash Interest Paid
1.11 - -1.29 3.22 3.66 3.99 4.79 3.04 4.29 3.70 4.57
Cash Income Taxes Paid
0.38 - 0.38 - 0.00 0.10 -0.10 - 0.00 - 0.10

Annual Balance Sheets for SR Bancorp

This table presents SR Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 6/30/2023 6/30/2024 6/30/2025
Total Assets
651 1,021 1,084
Total Current Assets
79 46 58
Cash & Equivalents
42 46 58
Plant, Property, & Equipment, net
3.55 5.42 4.94
Total Noncurrent Assets
569 970 1,022
Long-Term Investments
- - 2.61
Noncurrent Note & Lease Receivables
362 732 797
Goodwill
0.00 28 27
Other Noncurrent Operating Assets
207 210 195
Total Liabilities & Shareholders' Equity
651 1,021 1,084
Total Liabilities
529 821 891
Total Current Liabilities
0.00 0.00 846
Short-Term Debt
- - 732
Customer Deposits
- - 114
Other Current Nonoperating Liabilities
- - 0.22
Total Noncurrent Liabilities
529 821 44
Long-Term Debt
504 807 30
Other Noncurrent Operating Liabilities
25 14 14
Total Equity & Noncontrolling Interests
122 199 194
Total Preferred & Common Equity
122 199 194
Preferred Stock
- 0.00 0.00
Total Common Equity
122 199 194
Common Stock
0.00 92 81
Retained Earnings
127 116 121
Accumulated Other Comprehensive Income / (Loss)
-5.02 -1.22 -1.00
Other Equity Adjustments
0.00 -7.04 -6.66

Quarterly Balance Sheets for SR Bancorp

This table presents SR Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2024 12/31/2024 3/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
Total Assets
1,053 1,065 1,053 1,074 1,110 1,143 1,143
Total Current Assets
47 53 105 62 58 82 64
Cash & Equivalents
47 53 72 62 58 82 64
Plant, Property, & Equipment, net
5.20 5.10 4.95 4.97 4.77 5.04 4.94
Total Noncurrent Assets
1,000 1,006 943 1,007 1,047 1,056 1,075
Long-Term Investments
- - - - - - 3.51
Noncurrent Note & Lease Receivables
768 776 699 781 826 835 859
Goodwill
28 27 29 27 26 26 26
Other Noncurrent Operating Assets
205 203 215 199 194 195 186
Total Liabilities & Shareholders' Equity
1,053 1,065 1,053 1,074 1,110 1,143 1,143
Total Liabilities
852 866 854 879 918 955 959
Total Current Liabilities
0.00 0.00 0.00 0.00 0.00 0.00 895
Short-Term Debt
- - - - - - 783
Customer Deposits
- - - - - - 111
Other Current Nonoperating Liabilities
- - - - - - 0.21
Total Noncurrent Liabilities
852 866 854 879 918 955 64
Long-Term Debt
819 824 838 836 870 892 50
Other Noncurrent Operating Liabilities
33 42 16 43 49 63 14
Total Equity & Noncontrolling Interests
201 198 199 195 192 188 184
Total Preferred & Common Equity
201 198 199 195 192 188 184
Preferred Stock
- 0.00 - 0.00 0.00 0.00 0.00
Total Common Equity
201 198 199 195 192 188 184
Common Stock
91 88 92 85 78 75 70
Retained Earnings
118 119 119 119 121 121 122
Accumulated Other Comprehensive Income / (Loss)
-0.88 -1.26 -4.37 -1.44 -0.71 -0.84 -1.01
Other Equity Adjustments
-6.94 -6.85 -7.13 -6.75 -6.56 -6.47 -6.37

Annual Metrics And Ratios for SR Bancorp

This table displays calculated financial ratios and metrics derived from SR Bancorp's official financial filings.

Metric 2023 2024 2025
Period end date 6/30/2023 6/30/2024 6/30/2025
DEI Shares Outstanding
0.00 - 8,996,835.00
DEI Adjusted Shares Outstanding
0.00 - 8,996,835.00
DEI Earnings Per Adjusted Shares Outstanding
0.00 - 0.57
Growth Metrics
- - -
Revenue Growth
0.00% 190.54% 43.52%
EBITDA Growth
0.00% -395.80% 201.37%
EBIT Growth
0.00% -802.72% 145.61%
NOPAT Growth
0.00% -633.34% 162.96%
Net Income Growth
0.00% -799.29% 147.29%
EPS Growth
0.00% 0.00% 138.36%
Operating Cash Flow Growth
0.00% -174.96% 368.26%
Free Cash Flow Firm Growth
0.00% 0.00% 95.60%
Invested Capital Growth
0.00% 75.47% 2.22%
Revenue Q/Q Growth
0.00% 0.00% 0.00%
EBITDA Q/Q Growth
0.00% 0.00% 0.00%
EBIT Q/Q Growth
0.00% 0.00% 0.00%
NOPAT Q/Q Growth
0.00% 0.00% 0.00%
Net Income Q/Q Growth
0.00% 0.00% 0.00%
EPS Q/Q Growth
0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth
0.00% 0.00% -38.61%
Free Cash Flow Firm Q/Q Growth
0.00% 0.00% 0.00%
Invested Capital Q/Q Growth
0.00% 3.06% 0.00%
Profitability Metrics
- - -
Gross Margin
44.71% 25.66% 34.11%
EBITDA Margin
23.13% -23.54% 17.73%
Operating Margin
8.74% -19.75% 7.44%
EBIT Margin
12.52% -30.27% 10.69%
Profit (Net Income) Margin
10.78% -25.93% 10.82%
Tax Burden Percent
86.13% 92.28% 83.83%
Interest Burden Percent
99.94% 92.84% 120.82%
Effective Tax Rate
13.87% 0.00% 16.17%
Return on Invested Capital (ROIC)
0.20% -0.77% 0.30%
ROIC Less NNEP Spread (ROIC-NNEP)
0.31% -1.62% 0.59%
Return on Net Nonoperating Assets (RNNOA)
1.07% -5.99% 2.31%
Return on Equity (ROE)
1.27% -6.75% 2.61%
Cash Return on Invested Capital (CROIC)
0.00% -55.56% -1.89%
Operating Return on Assets (OROA)
0.55% -1.52% 0.48%
Return on Assets (ROA)
0.48% -1.30% 0.49%
Return on Common Equity (ROCE)
1.27% -6.75% 2.61%
Return on Equity Simple (ROE_SIMPLE)
1.27% -5.44% 0.00%
Net Operating Profit after Tax (NOPAT)
1.09 -5.79 2.96
NOPAT Margin
7.53% -13.82% 6.23%
Net Nonoperating Expense Percent (NNEP)
-0.11% 0.85% -0.28%
Return On Investment Capital (ROIC_SIMPLE)
- - 0.28%
Cost of Revenue to Revenue
55.29% 74.34% 65.89%
SG&A Expenses to Revenue
7.14% 4.77% 3.91%
R&D to Revenue
0.00% 0.00% 0.00%
Operating Expenses to Revenue
35.97% 45.40% 26.68%
Earnings before Interest and Taxes (EBIT)
1.80 -13 5.07
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
3.33 -9.86 8.41
Valuation Ratios
- - -
Price to Book Value (P/BV)
0.74 0.44 0.63
Price to Tangible Book Value (P/TBV)
0.74 0.51 0.73
Price to Revenue (P/Rev)
6.28 2.10 2.56
Price to Earnings (P/E)
58.31 0.00 23.65
Dividend Yield
0.00% 0.00% 0.74%
Earnings Yield
1.72% 0.00% 4.23%
Enterprise Value to Invested Capital (EV/IC)
0.94 0.88 0.93
Enterprise Value to Revenue (EV/Rev)
35.80 20.28 19.17
Enterprise Value to EBITDA (EV/EBITDA)
154.80 0.00 108.12
Enterprise Value to EBIT (EV/EBIT)
286.00 0.00 179.39
Enterprise Value to NOPAT (EV/NOPAT)
475.40 0.00 307.60
Enterprise Value to Operating Cash Flow (EV/OCF)
222.39 0.00 195.01
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00
Leverage & Solvency
- - -
Debt to Equity
4.13 4.05 4.37
Long-Term Debt to Equity
4.13 4.05 4.37
Financial Leverage
3.48 3.69 3.94
Leverage Ratio
5.34 5.20 5.35
Compound Leverage Factor
5.33 4.83 6.47
Debt to Total Capital
80.50% 80.18% 81.36%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
80.50% 80.18% 81.36%
Preferred Equity to Total Capital
0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00%
Common Equity to Total Capital
19.50% 19.82% 18.64%
Debt to EBITDA
151.19 -81.86 100.55
Net Debt to EBITDA
127.63 -77.21 93.68
Long-Term Debt to EBITDA
151.19 -81.86 100.55
Debt to NOPAT
464.32 -139.44 286.07
Net Debt to NOPAT
391.96 -131.51 266.54
Long-Term Debt to NOPAT
464.32 -139.44 286.07
Altman Z-Score
0.55 0.28 0.36
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00%
Liquidity Ratios
- - -
Current Ratio
0.00 0.00 0.00
Quick Ratio
0.00 0.00 0.00
Cash Flow Metrics
- - -
Free Cash Flow to Firm (FCFF)
0.00 -419 -18
Operating Cash Flow to CapEx
449.61% -159.69% 1,077.37%
Free Cash Flow to Firm to Interest Expense
0.00 0.00 0.00
Operating Cash Flow to Interest Expense
0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense
0.00 0.00 0.00
Efficiency Ratios
- - -
Asset Turnover
0.04 0.05 0.05
Accounts Receivable Turnover
0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00
Fixed Asset Turnover
0.00 9.34 9.16
Accounts Payable Turnover
0.00 0.00 0.00
Days Sales Outstanding (DSO)
0.00 0.00 0.00
Days Inventory Outstanding (DIO)
0.00 0.00 0.00
Days Payable Outstanding (DPO)
0.00 0.00 0.00
Cash Conversion Cycle (CCC)
0.00 0.00 0.00
Capital & Investment Metrics
- - -
Invested Capital
547 961 982
Invested Capital Turnover
0.03 0.06 0.05
Increase / (Decrease) in Invested Capital
0.00 413 21
Enterprise Value (EV)
516 849 910
Market Capitalization
91 88 121
Book Value per Share
$13.48 $20.98 $21.54
Tangible Book Value per Share
$13.48 $18.02 $18.57
Total Capital
626 1,007 1,040
Total Debt
504 807 846
Total Long-Term Debt
504 807 846
Net Debt
425 761 788
Capital Expenditures (CapEx)
0.52 1.09 0.43
Debt-free, Cash-free Net Working Capital (DFCFNWC)
0.00 0.00 0.00
Debt-free Net Working Capital (DFNWC)
79 46 58
Net Working Capital (NWC)
79 46 58
Net Nonoperating Expense (NNE)
-0.47 5.07 -2.18
Net Nonoperating Obligations (NNO)
425 761 788
Total Depreciation and Amortization (D&A)
1.53 2.82 3.34
Debt-free, Cash-free Net Working Capital to Revenue
0.00% 0.00% 0.00%
Debt-free Net Working Capital to Revenue
544.82% 109.63% 121.77%
Net Working Capital to Revenue
544.82% 109.63% 121.77%
Earnings Adjustments
- - -
Adjusted Basic Earnings per Share
$0.00 ($1.59) $0.61
Adjusted Weighted Average Basic Shares Outstanding
0.00 6.83M 8.43M
Adjusted Diluted Earnings per Share
$0.00 ($1.59) $0.61
Adjusted Weighted Average Diluted Shares Outstanding
0.00 6.83M 8.44M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
0.00 0.00 8.71M
Normalized Net Operating Profit after Tax (NOPAT)
1.09 -5.79 2.96
Normalized NOPAT Margin
7.53% -13.82% 6.23%
Pre Tax Income Margin
12.51% -28.11% 12.91%
Debt Service Ratios
- - -
EBIT to Interest Expense
0.00 0.00 0.00
NOPAT to Interest Expense
0.00 0.00 0.00
EBIT Less CapEx to Interest Expense
0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense
0.00 0.00 0.00
Payout Ratios
- - -
Dividend Payout Ratio
0.00% 0.00% 8.64%
Augmented Payout Ratio
0.00% 0.00% 229.13%

Quarterly Metrics And Ratios for SR Bancorp

This table displays calculated financial ratios and metrics derived from SR Bancorp's official financial filings.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2024 12/31/2024 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding
9,507,930.00 0.00 9,507,930.00 - 9,507,930.00 9,441,642.00 9,441,642.00 8,707,164.00 8,532,170.00 8,335,468.00
DEI Adjusted Shares Outstanding
9,507,930.00 0.00 9,507,930.00 - 9,507,930.00 9,441,642.00 9,441,642.00 8,707,164.00 8,532,170.00 8,335,468.00
DEI Earnings Per Adjusted Shares Outstanding
0.14 0.00 0.11 - 0.14 0.11 0.06 0.08 0.10 0.11
Growth Metrics
- - - - - - - - - -
Revenue Growth
0.00% 144.87% 143.74% 0.00% 0.00% -4.88% 18.30% 6.82% 11.73% 4.96%
EBITDA Growth
0.00% 425.68% 251.37% 119.24% 20.34% -5.33% 18.09% -29.58% -6.90% -1.14%
EBIT Growth
0.00% 245.26% 449.64% 0.00% 0.00% 0.00% -33.00% -32.65% -9.02% 61.84%
NOPAT Growth
0.00% 206.69% 348.67% 0.00% 0.00% 0.00% -25.80% -33.15% -7.60% 43.12%
Net Income Growth
0.00% 155.89% 308.85% 0.00% 0.00% -36.47% -49.48% -49.31% -18.32% 64.99%
EPS Growth
0.00% 0.00% 0.00% 0.00% 0.00% -33.33% -50.00% -43.75% -8.33% 100.00%
Operating Cash Flow Growth
0.00% 0.00% -1,049.09% 430.80% 215.27% -53.16% 137.99% -31.69% 350.84% -21.86%
Free Cash Flow Firm Growth
0.00% 0.00% 0.00% 0.00% 0.00% 200.25% 96.20% -202.89% -202.78% 154.04%
Invested Capital Growth
0.00% 0.00% 0.00% 75.47% 0.00% 0.00% 3.89% 0.00% 0.00% -1.85%
Revenue Q/Q Growth
0.00% -0.89% -8.31% 0.00% 2.47% -0.89% 14.04% 0.00% 3.67% 7.12%
EBITDA Q/Q Growth
467.59% 11.37% -33.67% -61.55% 255.86% -12.38% -3.64% 0.00% 15.84% 2.32%
EBIT Q/Q Growth
0.00% -13.37% -31.04% -100.00% 172.89% -13.37% -38.48% 0.00% 17.02% 9.45%
NOPAT Q/Q Growth
0.00% -17.14% -32.06% -100.00% 13.37% -17.14% -29.27% 0.00% 14.53% 9.56%
Net Income Q/Q Growth
0.00% -25.31% -33.85% 0.00% 145.09% -25.31% -47.40% 0.00% 20.35% 6.24%
EPS Q/Q Growth
0.00% -25.00% -33.33% 0.00% -98.03% -25.00% -50.00% 0.00% 22.22% 9.09%
Operating Cash Flow Q/Q Growth
-276.36% 39.76% -372.56% 672.07% -61.70% -180.04% 279.54% -29.65% 193.94% -44.07%
Free Cash Flow Firm Q/Q Growth
0.00% 0.00% 3.73% 55.62% 336.49% -0.42% -103.65% 0.00% 0.52% 101.92%
Invested Capital Q/Q Growth
77.66% -0.39% -3.78% 3.06% -100.00% 0.00% 0.00% 0.00% -0.51% -4.77%
Profitability Metrics
- - - - - - - - - -
Gross Margin
56.32% 49.43% 58.72% 0.00% 56.32% 49.43% 39.94% 43.50% 44.54% 41.17%
EBITDA Margin
23.70% 26.63% 21.34% 0.00% 28.52% 25.21% 21.31% 18.80% 21.01% 20.07%
Operating Margin
19.76% 17.19% 16.45% 0.00% 19.76% 17.19% 9.44% 12.62% 14.08% 14.55%
EBIT Margin
20.01% 17.49% 16.66% 0.00% 20.01% 17.49% 9.44% 12.62% 14.24% 14.55%
Profit (Net Income) Margin
14.45% 10.89% 11.76% 0.00% 14.45% 10.89% 5.02% 6.86% 7.96% 7.90%
Tax Burden Percent
79.02% 75.91% 78.45% 0.00% 79.02% 75.91% 85.78% 77.43% 76.65% 75.86%
Interest Burden Percent
91.39% 82.01% 89.97% 0.00% 91.39% 82.01% 62.04% 70.20% 72.92% 71.52%
Effective Tax Rate
20.98% 24.09% 21.55% 0.00% 20.98% 24.09% 14.22% 22.57% 23.35% 24.14%
Return on Invested Capital (ROIC)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.33% 0.94% 1.06% 0.57%
ROIC Less NNEP Spread (ROIC-NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.29% 0.86% 0.99% 0.53%
Return on Net Nonoperating Assets (RNNOA)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.11% 3.65% 4.26% 2.13%
Return on Equity (ROE)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.44% 4.59% 5.32% 2.71%
Cash Return on Invested Capital (CROIC)
0.00% 0.00% 0.00% -55.56% 0.00% 0.00% -3.61% -199.51% -199.52% 2.16%
Operating Return on Assets (OROA)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.35% 0.55% 0.61% 0.65%
Return on Assets (ROA)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.19% 0.30% 0.34% 0.35%
Return on Common Equity (ROCE)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.44% 4.59% 5.32% 2.71%
Return on Equity Simple (ROE_SIMPLE)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)
1.48 1.22 1.17 0.00 1.48 1.22 0.87 0.99 1.13 1.24
NOPAT Margin
15.61% 13.05% 12.91% 0.00% 15.61% 13.05% 8.10% 9.77% 10.79% 11.04%
Net Nonoperating Expense Percent (NNEP)
0.01% 0.05% 0.03% 0.00% 0.00% 0.00% 0.04% 0.07% 0.07% 0.05%
Return On Investment Capital (ROIC_SIMPLE)
0.14% 0.12% 0.11% - - - 0.08% 0.09% 0.10% 0.12%
Cost of Revenue to Revenue
43.68% 50.57% 41.28% 0.00% 43.68% 50.57% 60.06% 56.50% 55.46% 58.83%
SG&A Expenses to Revenue
5.17% 4.98% 3.95% 0.00% 5.17% 4.98% 5.61% 4.32% 4.85% 4.78%
R&D to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue
36.56% 32.24% 42.27% 0.00% 36.56% 32.24% 30.50% 30.89% 30.46% 26.62%
Earnings before Interest and Taxes (EBIT)
1.89 1.64 1.51 0.00 1.89 1.64 1.01 1.28 1.49 1.63
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
2.24 2.50 1.93 0.87 2.70 2.36 2.28 1.90 2.20 2.25
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
0.53 0.56 0.45 0.44 0.00 0.00 0.57 0.68 0.71 0.76
Price to Tangible Book Value (P/TBV)
0.61 0.65 0.52 0.51 0.00 0.00 0.66 0.79 0.83 0.89
Price to Revenue (P/Rev)
0.00 0.00 0.00 2.10 3.17 3.40 2.83 2.73 2.73 2.83
Price to Earnings (P/E)
0.00 0.00 0.00 0.00 0.00 0.00 232.07 29.45 31.41 30.43
Dividend Yield
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.42% 0.99% 1.27% 1.18%
Earnings Yield
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.43% 3.40% 3.18% 3.29%
Enterprise Value to Invested Capital (EV/IC)
0.90 0.91 0.88 0.88 0.00 0.00 0.91 0.94 0.95 0.95
Enterprise Value to Revenue (EV/Rev)
0.00 0.00 0.00 20.28 0.00 0.00 22.54 19.60 19.19 18.23
Enterprise Value to EBITDA (EV/EBITDA)
0.00 470.07 350.36 0.00 0.00 0.00 83.79 123.78 126.66 153.17
Enterprise Value to EBIT (EV/EBIT)
0.00 0.00 0.00 0.00 0.00 0.00 128.34 211.70 219.28 265.01
Enterprise Value to NOPAT (EV/NOPAT)
0.00 0.00 0.00 0.00 0.00 0.00 448.25 381.07 397.50 319.63
Enterprise Value to Operating Cash Flow (EV/OCF)
0.00 0.00 0.00 0.00 0.00 0.00 116.40 230.04 103.49 105.91
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 43.77
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
4.09 4.16 4.21 4.05 0.00 0.00 4.28 4.53 4.73 4.52
Long-Term Debt to Equity
4.09 4.16 4.21 4.05 0.00 0.00 4.28 4.53 4.73 0.27
Financial Leverage
3.85 3.89 3.68 3.69 0.00 0.00 3.82 4.23 4.30 4.06
Leverage Ratio
5.25 5.37 5.28 5.20 0.00 0.00 5.39 5.78 6.07 5.84
Compound Leverage Factor
4.80 4.41 4.75 0.00 0.00 0.00 3.35 4.06 4.42 4.18
Debt to Total Capital
80.34% 80.62% 80.79% 80.18% 0.00% 0.00% 81.07% 81.92% 82.55% 81.87%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 76.96%
Long-Term Debt to Total Capital
80.34% 80.62% 80.79% 80.18% 0.00% 0.00% 81.07% 81.92% 82.55% 4.91%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
19.66% 19.38% 19.21% 19.82% 0.00% 0.00% 18.93% 18.08% 17.45% 18.13%
Debt to EBITDA
0.00 439.28 357.07 -81.86 0.00 0.00 79.16 114.18 119.62 140.75
Net Debt to EBITDA
0.00 410.80 312.28 -77.21 0.00 0.00 73.26 106.53 108.64 129.40
Long-Term Debt to EBITDA
0.00 439.28 357.07 -81.86 0.00 0.00 79.16 114.18 119.62 8.45
Debt to NOPAT
0.00 0.00 0.00 -139.44 0.00 0.00 423.45 351.52 375.42 293.71
Net Debt to NOPAT
0.00 0.00 0.00 -131.51 0.00 0.00 391.92 327.96 340.95 270.02
Long-Term Debt to NOPAT
0.00 0.00 0.00 -139.44 0.00 0.00 423.45 351.52 375.42 17.63
Altman Z-Score
0.29 0.30 0.35 0.32 0.00 0.00 0.34 0.35 0.37 -0.59
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Current Ratio
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.07
Quick Ratio
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.07
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
0.00 -968 -931 -413 974 970 -35 -1,002 -997 19
Operating Cash Flow to CapEx
-568.50% -2,280.49% -3,866.86% 627.82% 2,181.71% -1,417.82% 3,474.32% 1,607.89% 727.13% 1,510.53%
Free Cash Flow to Firm to Interest Expense
0.00 -3,279.92 -4,101.41 0.00 5,976.12 3,288.22 -92.36 -2,637.51 -2,467.87 41.11
Operating Cash Flow to Interest Expense
-9.52 -3.17 -29.81 0.00 10.98 -4.85 6.71 3.22 8.89 4.32
Operating Cash Flow Less CapEx to Interest Expense
-11.20 -3.31 -30.58 0.00 10.47 -5.20 6.52 3.02 7.67 4.03
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.00 0.00 0.00 0.05 0.00 0.00 0.04 0.04 0.04 0.04
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 0.00 0.00 9.34 0.00 0.00 7.91 10.08 9.76 10.04
Accounts Payable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Sales Outstanding (DSO)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Inventory Outstanding (DIO)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash Conversion Cycle (CCC)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
973 969 932 961 0.00 0.00 968 1,003 998 951
Invested Capital Turnover
0.00 0.00 0.00 0.06 0.00 0.00 0.04 0.10 0.10 0.05
Increase / (Decrease) in Invested Capital
0.00 969 932 413 -973 -969 36 1,003 998 -18
Enterprise Value (EV)
878 882 822 849 0.00 0.00 885 943 944 907
Market Capitalization
106 111 89 88 105 111 111 131 134 141
Book Value per Share
$21.09 $20.99 $20.96 $20.98 $0.00 $0.00 $23.49 $22.04 $22.09 $22.13
Tangible Book Value per Share
$18.17 $18.09 $17.95 $18.02 $0.00 $0.00 $20.24 $19.01 $19.03 $19.03
Total Capital
1,020 1,022 1,037 1,007 0.00 0.00 1,031 1,062 1,080 1,018
Total Debt
819 824 838 807 0.00 0.00 836 870 892 833
Total Long-Term Debt
819 824 838 807 0.00 0.00 836 870 892 50
Net Debt
772 771 733 761 0.00 0.00 773 811 810 766
Capital Expenditures (CapEx)
0.27 0.04 0.18 0.74 0.08 0.10 0.07 0.08 0.49 0.13
Debt-free, Cash-free Net Working Capital (DFCFNWC)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -111
Debt-free Net Working Capital (DFNWC)
47 53 105 46 0.00 0.00 62 58 82 -48
Net Working Capital (NWC)
47 53 105 46 0.00 0.00 62 58 82 -831
Net Nonoperating Expense (NNE)
0.11 0.20 0.10 0.00 0.11 0.20 0.33 0.29 0.30 0.35
Net Nonoperating Obligations (NNO)
772 771 733 761 0.00 0.00 773 811 810 766
Total Depreciation and Amortization (D&A)
0.35 0.86 0.42 0.87 0.81 0.72 1.27 0.63 0.71 0.62
Debt-free, Cash-free Net Working Capital to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -224.17%
Debt-free Net Working Capital to Revenue
0.00% 0.00% 0.00% 109.63% 0.00% 0.00% 158.57% 121.23% 166.36% -96.11%
Net Working Capital to Revenue
0.00% 0.00% 0.00% 109.63% 0.00% 0.00% 158.57% 121.23% 166.36% -1,670.93%
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$0.16 $0.12 $0.12 $0.00 $0.00 $0.00 $0.06 $0.09 $0.11 $0.12
Adjusted Weighted Average Basic Shares Outstanding
8.81M 8.59M 8.79M 6.83M 0.00 0.00 8.30M 7.85M 7.58M 7.38M
Adjusted Diluted Earnings per Share
$0.16 $0.12 $0.12 $0.00 $0.00 $0.00 $0.06 $0.09 $0.11 $0.12
Adjusted Weighted Average Diluted Shares Outstanding
8.81M 8.59M 8.79M 6.83M 0.00 0.00 8.32M 7.93M 7.69M 7.56M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
9.44M 9.51M 9.51M 0.00 0.00 0.00 9.00M 8.53M 8.34M 8.10M
Normalized Net Operating Profit after Tax (NOPAT)
1.48 1.22 1.17 0.00 1.48 1.22 0.87 0.99 1.13 1.24
Normalized NOPAT Margin
15.61% 13.05% 12.91% 0.00% 15.61% 13.05% 8.10% 9.77% 10.79% 11.04%
Pre Tax Income Margin
18.29% 14.35% 14.99% 0.00% 18.29% 14.35% 5.85% 8.86% 10.39% 10.41%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
11.61 5.56 6.63 0.00 11.61 5.56 2.63 3.36 3.69 3.51
NOPAT to Interest Expense
9.06 4.15 5.14 0.00 9.06 4.15 2.26 2.60 2.80 2.66
EBIT Less CapEx to Interest Expense
9.94 5.42 5.86 0.00 11.11 5.22 2.44 3.16 2.47 3.23
NOPAT Less CapEx to Interest Expense
7.39 4.01 4.37 0.00 8.56 3.81 2.07 2.40 1.58 2.38
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 19.57% 29.92% 36.18%
Augmented Payout Ratio
0.00% 0.00% 0.00% 0.00% -6.79% -34.22% 1,526.51% 322.41% 368.14% 383.35%

Financials Breakdown Chart

Key Financial Trends

SR Bancorp (NASDAQ: SRBK) showed a solid improvement in profitability and cash generation in Q3 2026, but the balance sheet remains highly leveraged and the company continues to operate with very thin margins relative to assets.

For the quarter ended March 31, 2026, SR Bancorp reported net income of $886,000, up modestly from $834,000 in Q2 2026 and well above the weaker quarters seen in parts of 2025 and 2024. Revenue also rose to $11.2 million from $10.5 million in Q2 2026 and $10.1 million in Q1 2026, while basic EPS held at $0.12.

The biggest positive in the quarter was cash flow from operations. SR Bancorp generated $2.0 million of operating cash flow in Q3 2026, compared with $3.6 million in Q2 2026 but a much weaker $1.2 million in Q1 2026 and negative operating cash flow in some earlier periods. That suggests the business is still capable of producing cash even as earnings remain modest.

However, the investing and financing cash flow lines show that the company is actively managing a large securities and debt structure. Q3 2026 included $24.3 million in investment purchases, $5.98 million in investment sales, and $5.0 million in share repurchases. The company also paid $394,000 in dividends.

On the balance sheet, SR Bancorp ended Q3 2026 with $1.14 billion in assets and $959.0 million in liabilities, leaving $184.5 million in common equity. Cash and equivalents were $63.7 million, down from $81.8 million in Q2 2026 and $58.3 million in Q1 2026. The company also reported $783.1 million of short-term debt in Q3 2026 and $50.0 million of long-term debt.

Looking at the broader trend over the last year, profitability has improved from the very weak results seen in late 2024 and early 2025. SRBK posted a much better operating profile than the loss-making quarter in Q4 2024, when net income was negative $3.0 million and operating cash flow was $4.7 million, but that quarter was heavily influenced by unusual non-cash items. Since then, earnings have stabilized, though they remain small compared with the size of the balance sheet.

  • Operating income improved year over year and quarter over quarter, with Q3 2026 operating income of $1.63 million versus $1.48 million in Q2 2026.
  • Net income rose to $886,000 in Q3 2026, continuing a gradual recovery from weaker prior periods.
  • Operating cash flow remained positive at $2.0 million, showing the core business still generates cash.
  • Revenue increased to $11.2 million, up from $10.5 million in Q2 2026 and $10.1 million in Q1 2026.
  • Share repurchases continued, which can support EPS if earnings hold up.
  • Basic and diluted EPS were flat at $0.12, indicating earnings growth has not yet translated into materially higher per-share results.
  • The company still carries a very large investment portfolio and loan book, so earnings will remain sensitive to interest rates and asset quality.
  • Cash and equivalents declined from Q2 2026 to Q3 2026, but the company still held a sizable liquidity cushion.
  • Dividend payments were modest at $0.05 per share, suggesting a controlled capital return policy.
  • Leverage remains high, with liabilities of $959.0 million against equity of $184.5 million.
  • Short-term debt was still large at $783.1 million, which adds refinancing and interest-rate risk.
  • Investment activity consumed significant cash in Q3 2026, with $24.3 million of purchases versus $6.0 million of sales.
  • Interest expense and cash interest paid remain material, limiting earnings power.

Bottom line: SR Bancorp appears to be on firmer footing than it was a year ago, with improving profitability and positive operating cash flow. Still, investors should keep an eye on leverage, debt levels, and the sustainability of earnings growth, since the balance sheet remains heavily funded by liabilities and the company’s profits are still relatively modest.

07/12/26 03:34 AM ETAI Generated. May Contain Errors.

SR Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, SR Bancorp's financial year ends in June. Their financial year 2025 ended on June 30, 2025.

SR Bancorp's net income appears to be on a downward trend, with a most recent value of $5.14 million in 2025, rising from $1.55 million in 2023. The previous period was -$10.86 million in 2024. View SR Bancorp's forecast to see where analysts expect SR Bancorp to go next.

SR Bancorp's total operating income in 2025 was $3.53 million, based on the following breakdown:
  • Total Gross Profit: $16.19 million
  • Total Operating Expenses: $12.66 million

Over the last 2 years, SR Bancorp's total revenue changed from $14.41 million in 2023 to $47.45 million in 2025, a change of 229.2%.

SR Bancorp's total liabilities were at $890.63 million at the end of 2025, a 8.4% increase from 2024, and a 68.2% increase since 2023.

In the past 2 years, SR Bancorp's cash and equivalents has ranged from $42.45 million in 2023 to $57.78 million in 2025, and is currently $57.78 million as of their latest financial filing in 2025.

Over the last 2 years, SR Bancorp's book value per share changed from 13.48 in 2023 to 21.54 in 2025, a change of 59.8%.



Financial statements for NASDAQ:SRBK last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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