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SR Bancorp (SRBK) Financials

SR Bancorp logo
$18.50 -0.25 (-1.33%)
Closing price 10/2/2026 04:00 PM Eastern
Extended Trading
$18.66 +0.16 (+0.89%)
As of 10/2/2026 07:30 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.
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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 2026
Period end date 6/30/2023 6/30/2024 6/30/2025 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.55 -11 5.14 3.35
Consolidated Net Income / (Loss)		 1.55 -11 5.14 3.35
Net Income / (Loss) Continuing Operations		 1.55 -11 5.14 3.35
Total Pre-Tax Income 		1.80 -12 6.13 4.40
Total Operating Income		 1.26 -6.71 5.11 4.33
Total Gross Profit		 6.44 12 18 17
Total Revenue		 14 33 32 33
Operating Revenue		 14 33 32 33
Total Cost of Revenue		 7.97 21 15 17
Operating Cost of Revenue		 7.97 17 14 16
Other Cost of Revenue		 0.00 4.07 0.13 0.58
Total Operating Expenses		 5.18 19 13 12
Selling, General & Admin Expense		 1.03 2.00 2.44 2.19
Marketing Expense		 0.20 0.30 0.39 0.49
Other Operating Expenses / (Income)		 3.96 17 9.83 9.65
Total Other Income / (Expense), net		 0.54 -5.06 1.02 0.07
Interest Expense		 - 0.81 1.18 1.71
Interest & Investment Income		 0.00 0.16 2.19 1.78
Income Tax Expense		 0.25 -0.91 0.99 1.05
Basic Earnings per Share		 $0.00 ($1.59) $0.61 $0.45
Weighted Average Basic Shares Outstanding		 0.00 6.83M 8.43M 7.49M
Diluted Earnings per Share		 $0.00 ($1.59) $0.61 $0.44
Weighted Average Diluted Shares Outstanding		 0.00 6.83M 8.44M 7.64M
Weighted Average Basic & Diluted Shares Outstanding		 - - 8.71M 7.93M

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 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 12/31/2024 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.02 1.06 - 1.37 1.02 0.54 2.21 0.69 0.83 0.89 0.94
Consolidated Net Income / (Loss)		 1.02 1.06 - 1.37 1.02 0.54 2.21 0.69 0.83 0.89 0.94
Net Income / (Loss) Continuing Operations		 1.02 1.06 - 1.37 1.02 0.54 2.21 0.69 0.83 0.89 0.94
Total Pre-Tax Income 		1.35 1.36 - 1.73 1.35 0.63 2.43 0.90 1.09 1.17 1.25
Total Operating Income		 1.61 1.49 - 1.87 1.61 1.01 0.62 1.28 1.48 1.63 -0.06
Total Gross Profit		 4.64 5.31 - 5.33 4.64 4.27 3.54 4.40 4.67 4.62 2.97
Total Revenue		 9.38 9.04 - 9.46 9.38 11 2.77 10 10 11 1.57
Operating Revenue		 9.38 9.04 - 9.46 9.38 11 2.77 10 10 11 1.57
Total Cost of Revenue		 4.74 3.73 - 4.13 4.74 6.42 -0.77 5.71 5.81 6.60 -1.40
Operating Cost of Revenue		 4.73 3.87 - 4.29 4.73 6.39 -1.00 5.54 5.76 6.52 -1.67
Other Cost of Revenue		 0.01 -0.14 - -0.15 0.01 0.04 0.24 0.17 0.05 0.08 0.27
Total Operating Expenses		 3.02 3.82 - 3.46 3.02 3.26 2.92 3.12 3.19 2.99 3.03
Selling, General & Admin Expense		 0.47 0.36 - 0.49 0.47 0.60 0.89 0.44 0.51 0.54 0.71
Marketing Expense		 0.09 0.08 - 0.08 0.09 0.10 0.12 0.13 0.11 0.12 0.13
Other Operating Expenses / (Income)		 2.47 3.39 - 2.89 2.47 2.56 1.91 2.55 2.57 2.33 2.20
Total Other Income / (Expense), net		 -0.27 -0.13 - -0.14 -0.27 -0.38 1.81 -0.38 -0.39 -0.47 1.30
Interest Expense		 0.30 0.23 - 0.16 0.30 0.38 0.34 0.38 0.40 0.47 0.46
Income Tax Expense		 0.32 0.29 - 0.36 0.32 0.09 0.22 0.20 0.25 0.28 0.31
Basic Earnings per Share		 $0.12 $0.12 - $0.16 $0.12 $0.06 $0.27 $0.09 $0.11 $0.12 $0.13
Weighted Average Basic Shares Outstanding		 8.59M 8.79M 6.83M 8.81M 8.59M 8.30M 8.43M 7.85M 7.58M 7.38M 7.49M
Diluted Earnings per Share		 $0.12 $0.12 - $0.16 $0.12 $0.06 $0.27 $0.09 $0.11 $0.12 $0.12
Weighted Average Diluted Shares Outstanding		 8.59M 8.79M 6.83M 8.81M 8.59M 8.32M 8.44M 7.93M 7.69M 7.56M 7.64M
Weighted Average Basic & Diluted Shares Outstanding		 9.51M 9.51M 0.00 - - 9.00M 8.71M 8.53M 8.34M 8.10M 7.93M

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 2026
Period end date 6/30/2023 6/30/2024 6/30/2025 6/30/2026
Net Change in Cash & Equivalents		 7.11 3.46 12 14
Net Cash From Operating Activities		 2.32 -1.74 4.67 11
Net Cash From Continuing Operating Activities		 2.32 -1.74 4.67 11
Net Income / (Loss) Continuing Operations		 1.55 -11 5.14 3.35
Consolidated Net Income / (Loss)		 1.55 -11 5.14 3.35
Depreciation Expense		 0.41 0.80 0.91 0.95
Amortization Expense		 1.12 2.02 2.43 1.64
Non-Cash Adjustments To Reconcile Net Income		 -0.54 7.18 -4.07 -0.26
Changes in Operating Assets and Liabilities, net		 -0.22 -0.88 0.26 5.02
Net Cash From Investing Activities		 2.70 12 -50 -96
Net Cash From Continuing Investing Activities		 2.70 12 -50 -96
Purchase of Property, Plant & Equipment		 -0.52 -1.10 -0.43 -0.82
Purchase of Investments		 -29 -46 -64 -111
Sale of Property, Plant & Equipment		 0.00 0.01 0.00 0.00
Sale and/or Maturity of Investments		 32 64 14 17
Other Investing Activities, net		 -0.02 8.80 0.00 -0.72
Net Cash From Financing Activities		 2.09 -6.55 58 99
Net Cash From Continuing Financing Activities		 2.09 -6.55 58 99
Repurchase of Common Equity		 - 0.00 -11 -16
Payment of Dividends		 - 0.00 -0.44 -1.69
Issuance of Debt		 20 0.00 30 35
Issuance of Common Equity		 0.00 79 0.00 0.00
Other Financing Activities, net		 -18 -66 39 81
Cash Interest Paid		 2.43 9.58 15 20
Cash Income Taxes Paid		 0.00 0.48 0.00 0.10

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 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -31 23 -27 1.39 6.13 8.80 -4.45 0.53 24 -18 7.78
Net Cash From Operating Activities		 -0.94 -6.77 4.67 1.79 -1.43 2.57 1.74 1.22 3.59 2.01 3.88
Net Cash From Continuing Operating Activities		 -0.94 -6.77 4.67 1.79 -1.43 2.57 1.74 1.22 3.59 2.01 3.88
Net Income / (Loss) Continuing Operations		 1.61 -10 -3.03 1.37 1.02 0.54 2.21 0.69 0.83 0.89 0.94
Consolidated Net Income / (Loss)		 1.61 -10 -3.03 1.37 1.02 0.54 2.21 0.69 0.83 0.89 0.94
Depreciation Expense		 0.20 0.02 0.28 0.30 0.21 0.20 0.21 0.22 0.26 0.23 0.24
Amortization Expense		 0.66 0.41 0.59 0.51 0.52 1.07 0.34 0.41 0.45 0.39 0.40
Non-Cash Adjustments To Reconcile Net Income		 -1.92 2.78 7.41 -1.74 -1.27 -0.76 -0.31 -0.21 -0.21 -0.04 0.21
Changes in Operating Assets and Liabilities, net		 -1.48 0.25 -0.57 1.36 -1.91 1.53 -0.71 0.12 2.26 0.55 2.09
Net Cash From Investing Activities		 4.59 44 3.44 -32 -3.85 -2.36 -13 -26 -12 -18 -39
Net Cash From Continuing Investing Activities		 4.59 44 3.44 -32 -3.85 -2.36 -13 -26 -12 -18 -39
Purchase of Property, Plant & Equipment		 -0.04 -0.18 -0.74 -0.08 -0.10 -0.07 -0.18 -0.08 -0.49 -0.13 -0.12
Purchase of Investments		 -0.98 27 -31 -34 -6.95 -6.89 -16 -29 -15 -24 -43
Sale and/or Maturity of Investments		 5.61 21 36 3.57 3.65 3.25 3.52 3.57 3.39 5.98 3.60
Net Cash From Financing Activities		 -35 -15 -35 31 11 8.59 6.38 25 32 -1.91 43
Net Cash From Continuing Financing Activities		 -35 -15 -35 31 11 8.59 6.38 25 32 -1.91 43
Repurchase of Common Equity		 - 3.92 - -0.74 -3.18 -3.40 -4.01 -2.93 -4.13 -4.99 -3.98
Payment of Dividends		 - - - 0.00 - - - -0.43 -0.41 -0.39 -0.46
Issuance of Debt		 - - - 20 10 - - 5.00 15 - 15
Other Financing Activities, net		 -35 -52 -30 12 4.59 12 11 23 22 3.48 33
Cash Interest Paid		 - -1.29 3.22 3.66 3.99 4.79 3.04 4.29 3.70 4.57 7.00

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 2026
Period end date 6/30/2023 6/30/2024 6/30/2025 6/30/2026
Total Assets		 651 1,021 1,086 1,192
Total Current Assets		 79 46 58 71
Cash & Equivalents		 42 46 58 71
Plant, Property, & Equipment, net		 3.55 5.42 4.94 4.82
Total Noncurrent Assets		 569 970 1,024 1,116
Long-Term Investments		 - - 2.61 4.24
Noncurrent Note & Lease Receivables		 362 732 797 901
Goodwill		 0.00 28 27 26
Other Noncurrent Operating Assets		 207 210 197 185
Total Liabilities & Shareholders' Equity		 651 1,021 1,086 1,192
Total Liabilities		 529 821 893 1,010
Total Current Liabilities		 0.00 0.00 846 927
Short-Term Debt		 - - 732 798
Customer Deposits		 - - 114 128
Other Current Nonoperating Liabilities		 - - 0.22 0.22
Total Noncurrent Liabilities		 529 821 46 84
Long-Term Debt		 504 807 30 65
Other Noncurrent Operating Liabilities		 25 14 16 19
Total Equity & Noncontrolling Interests		 122 199 194 182
Total Preferred & Common Equity		 122 199 194 182
Preferred Stock		 - 0.00 0.00 0.00
Total Common Equity		 122 199 194 182
Common Stock		 0.00 92 81 67
Retained Earnings		 127 116 121 122
Accumulated Other Comprehensive Income / (Loss)		 -5.02 -1.22 -1.00 -0.73
Other Equity Adjustments		 0.00 -7.04 -6.66 -6.28

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 2026
Period end date 6/30/2023 6/30/2024 6/30/2025 6/30/2026
DEI Shares Outstanding		 0.00 - 8,996,835.00 8,100,214.00
DEI Adjusted Shares Outstanding		 0.00 - 8,996,835.00 8,100,214.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 - 0.57 0.41
Growth Metrics		 - - - -
Revenue Growth		 0.00% 190.54% 43.52% 3.33%
EBITDA Growth		 0.00% -395.80% 201.37% -18.17%
EBIT Growth		 0.00% -802.72% 145.61% -15.32%
NOPAT Growth		 0.00% -633.34% 162.96% -23.02%
Net Income Growth		 0.00% -799.29% 147.29% -34.72%
EPS Growth		 0.00% 0.00% 138.36% -27.87%
Operating Cash Flow Growth		 0.00% -174.96% 368.26% 129.43%
Free Cash Flow Firm Growth		 0.00% 0.00% 95.60% -201.91%
Invested Capital Growth		 0.00% 75.47% 2.22% 8.27%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% -32.88%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 16.88%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 26.51%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 16.28%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% -27.49%
EPS Q/Q Growth		 0.00% 0.00% 0.00% -25.42%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% -38.61% 25.04%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -441.58%
Invested Capital Q/Q Growth		 0.00% 3.06% 0.00% 2.00%
Profitability Metrics		 - - - -
Gross Margin		 44.71% 25.66% 34.11% 49.90%
EBITDA Margin		 23.13% -23.54% 17.73% 20.73%
Operating Margin		 8.74% -19.75% 7.44% 12.97%
EBIT Margin		 12.52% -30.27% 10.69% 12.97%
Profit (Net Income) Margin		 10.78% -25.93% 10.82% 10.05%
Tax Burden Percent		 86.13% 92.28% 83.83% 76.20%
Interest Burden Percent		 99.94% 92.84% 120.82% 101.66%
Effective Tax Rate		 13.87% 0.00% 16.17% 23.80%
Return on Invested Capital (ROIC)		 0.20% -0.77% 0.30% 0.35%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.31% -1.62% 0.59% 0.36%
Return on Net Nonoperating Assets (RNNOA)		 1.07% -5.99% 2.31% 1.43%
Return on Equity (ROE)		 1.27% -6.75% 2.61% 1.79%
Cash Return on Invested Capital (CROIC)		 0.00% -55.56% -1.89% -7.59%
Operating Return on Assets (OROA)		 0.55% -1.52% 0.48% 0.38%
Return on Assets (ROA)		 0.48% -1.30% 0.49% 0.29%
Return on Common Equity (ROCE)		 1.27% -6.75% 2.61% 1.79%
Return on Equity Simple (ROE_SIMPLE)		 1.27% -5.44% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 1.09 -5.79 2.96 3.30
NOPAT Margin		 7.53% -13.82% 6.23% 9.88%
Net Nonoperating Expense Percent (NNEP)		 -0.11% 0.85% -0.28% -0.01%
Return On Investment Capital (ROIC_SIMPLE)		 - - 0.28% 0.32%
Cost of Revenue to Revenue		 55.29% 74.34% 65.89% 50.10%
SG&A Expenses to Revenue		 7.14% 4.77% 3.91% 6.55%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 35.97% 45.40% 26.68% 36.94%
Earnings before Interest and Taxes (EBIT)		 1.80 -13 5.07 4.33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.33 -9.86 8.41 6.92
Valuation Ratios		 - - - -
Price to Book Value (P/BV)		 0.74 0.44 0.63 0.88
Price to Tangible Book Value (P/TBV)		 0.74 0.51 0.73 1.02
Price to Revenue (P/Rev)		 6.28 2.10 2.56 4.78
Price to Earnings (P/E)		 58.31 0.00 23.65 47.54
Dividend Yield		 0.00% 0.00% 0.74% 1.07%
Earnings Yield		 1.72% 0.00% 4.23% 2.10%
Enterprise Value to Invested Capital (EV/IC)		 0.94 0.88 0.93 0.98
Enterprise Value to Revenue (EV/Rev)		 35.80 20.28 19.17 28.37
Enterprise Value to EBITDA (EV/EBITDA)		 154.80 0.00 108.12 136.89
Enterprise Value to EBIT (EV/EBIT)		 286.00 0.00 179.39 218.80
Enterprise Value to NOPAT (EV/NOPAT)		 475.40 0.00 307.60 287.13
Enterprise Value to Operating Cash Flow (EV/OCF)		 222.39 0.00 195.01 88.48
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - -
Debt to Equity		 4.13 4.05 4.37 4.75
Long-Term Debt to Equity		 4.13 4.05 4.37 0.36
Financial Leverage		 3.48 3.69 3.94 3.97
Leverage Ratio		 5.34 5.20 5.35 6.07
Compound Leverage Factor		 5.33 4.83 6.47 6.17
Debt to Total Capital		 80.50% 80.18% 81.36% 82.60%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 76.38%
Long-Term Debt to Total Capital		 80.50% 80.18% 81.36% 6.22%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 19.50% 19.82% 18.64% 17.40%
Debt to EBITDA		 151.19 -81.86 100.55 124.79
Net Debt to EBITDA		 127.63 -77.21 93.68 113.84
Long-Term Debt to EBITDA		 151.19 -81.86 100.55 9.40
Debt to NOPAT		 464.32 -139.44 286.07 261.74
Net Debt to NOPAT		 391.96 -131.51 266.54 238.79
Long-Term Debt to NOPAT		 464.32 -139.44 286.07 19.71
Altman Z-Score		 0.55 0.28 0.36 -0.58
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - -
Current Ratio		 0.00 0.00 0.00 0.08
Quick Ratio		 0.00 0.00 0.00 0.08
Cash Flow Metrics		 - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -419 -18 -71
Operating Cash Flow to CapEx		 449.61% -159.69% 1,077.37% 1,305.24%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 -41.33
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 6.25
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 5.77
Efficiency Ratios		 - - - -
Asset Turnover		 0.04 0.05 0.05 0.03
Accounts Receivable Turnover		 0.00 0.00 0.00 0.00
Inventory Turnover		 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 0.00 9.34 9.16 6.84
Accounts Payable Turnover		 0.00 0.00 0.00 0.00
Days Sales Outstanding (DSO)		 0.00 0.00 0.00 0.00
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00 0.00
Cash Conversion Cycle (CCC)		 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - -
Invested Capital		 547 961 982 970
Invested Capital Turnover		 0.03 0.06 0.05 0.04
Increase / (Decrease) in Invested Capital		 0.00 413 21 74
Enterprise Value (EV)		 516 849 910 947
Market Capitalization		 91 88 121 159
Book Value per Share		 $13.48 $20.98 $21.54 $22.44
Tangible Book Value per Share		 $13.48 $18.02 $18.57 $19.29
Total Capital		 626 1,007 1,040 1,045
Total Debt		 504 807 846 863
Total Long-Term Debt		 504 807 846 65
Net Debt		 425 761 788 788
Capital Expenditures (CapEx)		 0.52 1.09 0.43 0.82
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 0.00 0.00 0.00 -128
Debt-free Net Working Capital (DFNWC)		 79 46 58 -57
Net Working Capital (NWC)		 79 46 58 -855
Net Nonoperating Expense (NNE)		 -0.47 5.07 -2.18 -0.05
Net Nonoperating Obligations (NNO)		 425 761 788 788
Total Depreciation and Amortization (D&A)		 1.53 2.82 3.34 2.59
Debt-free, Cash-free Net Working Capital to Revenue		 0.00% 0.00% 0.00% -384.62%
Debt-free Net Working Capital to Revenue		 544.82% 109.63% 121.77% -170.51%
Net Working Capital to Revenue		 544.82% 109.63% 121.77% -2,562.25%
Earnings Adjustments		 - - - -
Adjusted Basic Earnings per Share		 $0.00 ($1.59) $0.61 $0.45
Adjusted Weighted Average Basic Shares Outstanding		 0.00 6.83M 8.43M 7.49M
Adjusted Diluted Earnings per Share		 $0.00 ($1.59) $0.61 $0.44
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 6.83M 8.44M 7.64M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 8.71M 7.93M
Normalized Net Operating Profit after Tax (NOPAT)		 1.09 -5.79 2.96 3.30
Normalized NOPAT Margin		 7.53% -13.82% 6.23% 9.88%
Pre Tax Income Margin		 12.51% -28.11% 12.91% 13.18%
Debt Service Ratios		 - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 2.53
NOPAT to Interest Expense		 0.00 0.00 0.00 1.93
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 2.05
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 1.45
Payout Ratios		 - - - -
Dividend Payout Ratio		 0.00% 0.00% 8.64% 50.37%
Augmented Payout Ratio		 0.00% 0.00% 229.13% 528.24%

Quarterly Metrics And Ratios for SR Bancorp

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

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 12/31/2024 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 6/30/2026
DEI Shares Outstanding		 0.00 9,507,930.00 - 9,507,930.00 9,441,642.00 9,441,642.00 8,996,835.00 8,707,164.00 8,532,170.00 8,335,468.00 8,100,214.00
DEI Adjusted Shares Outstanding		 0.00 9,507,930.00 - 9,507,930.00 9,441,642.00 9,441,642.00 8,996,835.00 8,707,164.00 8,532,170.00 8,335,468.00 8,100,214.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.11 - 0.14 0.11 0.06 0.25 0.08 0.10 0.11 0.12
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 144.87% 143.74% 0.00% 0.00% -4.88% 18.30% -69.98% 6.82% 11.73% 4.96% -43.23%
EBITDA Growth		 425.68% 251.37% 119.24% 20.34% -5.33% 18.09% 167.36% -29.58% -6.90% -1.14% -50.09%
EBIT Growth		 245.26% 449.64% 0.00% 0.00% 0.00% -33.00% 123.91% -32.65% -9.02% 61.84% -108.86%
NOPAT Growth		 206.69% 348.67% 0.00% 0.00% 0.00% -25.80% -56.55% -33.15% -7.60% 43.12% -107.31%
Net Income Growth		 155.89% 308.85% 0.00% 0.00% -36.47% -49.48% 172.92% -49.31% -18.32% 64.99% -57.49%
EPS Growth		 0.00% 0.00% 0.00% 0.00% -33.33% -50.00% -96.68% -43.75% -8.33% 100.00% -55.56%
Operating Cash Flow Growth		 0.00% -1,049.09% 430.80% 215.27% -53.16% 137.99% -62.81% -31.69% 350.84% -21.86% 123.37%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 0.00% 200.25% 96.20% 115.95% -202.89% -202.78% 154.04% -212.76%
Invested Capital Growth		 0.00% 0.00% 75.47% 0.00% 0.00% 3.89% -6.78% 0.00% 0.00% -1.85% 8.27%
Revenue Q/Q Growth		 -0.89% -8.31% 0.00% 2.47% -0.89% 14.04% -74.08% 0.00% 3.67% 7.12% -85.98%
EBITDA Q/Q Growth		 11.37% -33.67% -61.55% 255.86% -12.38% -3.64% -48.81% 0.00% 15.84% 2.32% -74.16%
EBIT Q/Q Growth		 -13.37% -31.04% -100.00% 172.89% -13.37% -38.48% -38.45% 0.00% 17.02% 9.45% -103.37%
NOPAT Q/Q Growth		 -17.14% -32.06% -100.00% 13.37% -17.14% -29.27% -34.61% 0.00% 14.53% 9.56% -103.34%
Net Income Q/Q Growth		 -25.31% -33.85% 0.00% 145.09% -25.31% -47.40% 311.73% 0.00% 20.35% 6.24% 6.09%
EPS Q/Q Growth		 -25.00% -33.33% 0.00% -98.03% -25.00% -50.00% 350.00% 0.00% 22.22% 9.09% 0.00%
Operating Cash Flow Q/Q Growth		 39.76% -372.56% 672.07% -61.70% -180.04% 279.54% -32.44% -29.65% 193.94% -44.07% 93.13%
Free Cash Flow Firm Q/Q Growth		 0.00% 3.73% 55.62% 336.49% -0.42% -103.65% 285.75% 0.00% 0.52% 101.92% -487.59%
Invested Capital Q/Q Growth		 -0.39% -3.78% 3.06% -100.00% 0.00% 0.00% -7.53% 0.00% -0.51% -4.77% 2.00%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 49.43% 58.72% 0.00% 56.32% 49.43% 39.94% 127.64% 43.50% 44.54% 41.17% 189.07%
EBITDA Margin		 26.63% 21.34% 0.00% 28.52% 25.21% 21.31% 42.08% 18.80% 21.01% 20.07% 37.00%
Operating Margin		 17.19% 16.45% 0.00% 19.76% 17.19% 9.44% 22.41% 12.62% 14.08% 14.55% -3.50%
EBIT Margin		 17.49% 16.66% 0.00% 20.01% 17.49% 9.44% 22.41% 12.62% 14.24% 14.55% -3.50%
Profit (Net Income) Margin		 10.89% 11.76% 0.00% 14.45% 10.89% 5.02% 79.79% 6.86% 7.96% 7.90% 59.76%
Tax Burden Percent		 75.91% 78.45% 0.00% 79.02% 75.91% 85.78% 91.14% 77.43% 76.65% 75.86% 75.26%
Interest Burden Percent		 82.01% 89.97% 0.00% 91.39% 82.01% 62.04% 390.66% 70.20% 72.92% 71.52% -2,270.91%
Effective Tax Rate		 24.09% 21.55% 0.00% 20.98% 24.09% 14.22% 8.86% 22.57% 23.35% 24.14% 24.74%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.33% 0.71% 0.94% 1.06% 0.57% -0.09%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.29% 0.94% 0.86% 0.99% 0.53% 0.04%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 1.11% 3.48% 3.65% 4.26% 2.13% 0.15%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 1.44% 4.19% 4.59% 5.32% 2.71% 0.05%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% -55.56% 0.00% 0.00% -3.61% 7.48% -199.51% -199.52% 2.16% -7.59%
Operating Return on Assets (OROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.35% 0.69% 0.55% 0.61% 0.65% -0.10%
Return on Assets (ROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.19% 2.45% 0.30% 0.34% 0.35% 1.75%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 1.44% 4.19% 4.59% 5.32% 2.71% 0.05%
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% 0.00%
Net Operating Profit after Tax (NOPAT)		 1.22 1.17 0.00 1.48 1.22 0.87 0.57 0.99 1.13 1.24 -0.04
NOPAT Margin		 13.05% 12.91% 0.00% 15.61% 13.05% 8.10% 20.42% 9.77% 10.79% 11.04% -2.63%
Net Nonoperating Expense Percent (NNEP)		 0.05% 0.03% 0.00% 0.00% 0.00% 0.04% -0.22% 0.07% 0.07% 0.05% -0.13%
Return On Investment Capital (ROIC_SIMPLE)		 0.12% 0.11% - - - 0.08% 0.06% 0.09% 0.10% 0.12% 0.00%
Cost of Revenue to Revenue		 50.57% 41.28% 0.00% 43.68% 50.57% 60.06% -27.64% 56.50% 55.46% 58.83% -89.07%
SG&A Expenses to Revenue		 4.98% 3.95% 0.00% 5.17% 4.98% 5.61% 32.01% 4.32% 4.85% 4.78% 44.82%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 32.24% 42.27% 0.00% 36.56% 32.24% 30.50% 105.23% 30.89% 30.46% 26.62% 192.56%
Earnings before Interest and Taxes (EBIT)		 1.64 1.51 0.00 1.89 1.64 1.01 0.62 1.28 1.49 1.63 -0.06
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.50 1.93 0.87 2.70 2.36 2.28 1.17 1.90 2.20 2.25 0.58
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.56 0.45 0.44 0.00 0.00 0.57 0.62 0.68 0.71 0.76 0.88
Price to Tangible Book Value (P/TBV)		 0.65 0.52 0.51 0.00 0.00 0.66 0.72 0.79 0.83 0.89 1.02
Price to Revenue (P/Rev)		 0.00 0.00 2.10 3.17 3.40 2.83 3.71 2.73 2.73 2.83 4.78
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 232.07 23.35 29.45 31.41 30.43 47.54
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.42% 0.75% 0.99% 1.27% 1.18% 1.07%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.43% 4.28% 3.40% 3.18% 3.29% 2.10%
Enterprise Value to Invested Capital (EV/IC)		 0.91 0.88 0.88 0.00 0.00 0.91 0.92 0.94 0.95 0.95 0.98
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 20.28 0.00 0.00 22.54 25.43 19.60 19.19 18.23 28.37
Enterprise Value to EBITDA (EV/EBITDA)		 470.07 350.36 0.00 0.00 0.00 83.79 97.17 123.78 126.66 153.17 136.89
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 128.34 160.72 211.70 219.28 265.01 218.80
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 448.25 191.74 381.07 397.50 319.63 287.13
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 116.40 176.09 230.04 103.49 105.91 88.48
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 11.83 0.00 0.00 43.77 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 4.16 4.21 4.05 0.00 0.00 4.28 3.93 4.53 4.73 4.52 4.75
Long-Term Debt to Equity		 4.16 4.21 4.05 0.00 0.00 4.28 0.15 4.53 4.73 0.27 0.36
Financial Leverage		 3.89 3.68 3.69 0.00 0.00 3.82 3.72 4.23 4.30 4.06 3.97
Leverage Ratio		 5.37 5.28 5.20 0.00 0.00 5.39 5.36 5.78 6.07 5.84 6.07
Compound Leverage Factor		 4.41 4.75 0.00 0.00 0.00 3.35 20.93 4.06 4.42 4.18 -137.78
Debt to Total Capital		 80.62% 80.79% 80.18% 0.00% 0.00% 81.07% 79.72% 81.92% 82.55% 81.87% 82.60%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 76.58% 0.00% 0.00% 76.96% 76.38%
Long-Term Debt to Total Capital		 80.62% 80.79% 80.18% 0.00% 0.00% 81.07% 3.14% 81.92% 82.55% 4.91% 6.22%
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% 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% 0.00%
Common Equity to Total Capital		 19.38% 19.21% 19.82% 0.00% 0.00% 18.93% 20.28% 18.08% 17.45% 18.13% 17.40%
Debt to EBITDA		 439.28 357.07 -81.86 0.00 0.00 79.16 90.12 114.18 119.62 140.75 124.79
Net Debt to EBITDA		 410.80 312.28 -77.21 0.00 0.00 73.26 82.98 106.53 108.64 129.40 113.84
Long-Term Debt to EBITDA		 439.28 357.07 -81.86 0.00 0.00 79.16 3.55 114.18 119.62 8.45 9.40
Debt to NOPAT		 0.00 0.00 -139.44 0.00 0.00 423.45 177.84 351.52 375.42 293.71 261.74
Net Debt to NOPAT		 0.00 0.00 -131.51 0.00 0.00 391.92 163.74 327.96 340.95 270.02 238.79
Long-Term Debt to NOPAT		 0.00 0.00 -139.44 0.00 0.00 423.45 7.00 351.52 375.42 17.63 19.71
Altman Z-Score		 0.30 0.35 0.32 0.00 0.00 0.34 -0.60 0.35 0.37 -0.59 -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% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 0.00 0.00 0.00 0.00 0.00 0.00 0.07 0.00 0.00 0.07 0.08
Quick Ratio		 0.00 0.00 0.00 0.00 0.00 0.00 0.07 0.00 0.00 0.07 0.08
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -968 -931 -413 974 970 -35 66 -1,002 -997 19 -74
Operating Cash Flow to CapEx		 -2,280.49% -3,866.86% 627.82% 2,181.71% -1,417.82% 3,474.32% 986.93% 1,607.89% 727.13% 1,510.53% 3,316.24%
Free Cash Flow to Firm to Interest Expense		 -3,279.92 -4,101.41 0.00 5,976.12 3,288.22 -92.36 194.98 -2,637.51 -2,467.87 41.11 -160.02
Operating Cash Flow to Interest Expense		 -3.17 -29.81 0.00 10.98 -4.85 6.71 5.15 3.22 8.89 4.32 8.38
Operating Cash Flow Less CapEx to Interest Expense		 -3.31 -30.58 0.00 10.47 -5.20 6.52 4.63 3.02 7.67 4.03 8.13
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.00 0.00 0.05 0.00 0.00 0.04 0.03 0.04 0.04 0.04 0.03
Accounts Receivable Turnover		 0.00 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 0.00
Fixed Asset Turnover		 0.00 0.00 9.34 0.00 0.00 7.91 6.23 10.08 9.76 10.04 6.84
Accounts Payable Turnover		 0.00 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 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 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 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 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 969 932 961 0.00 0.00 968 896 1,003 998 951 970
Invested Capital Turnover		 0.00 0.00 0.06 0.00 0.00 0.04 0.03 0.10 0.10 0.05 0.04
Increase / (Decrease) in Invested Capital		 969 932 413 -973 -969 36 -65 1,003 998 -18 74
Enterprise Value (EV)		 882 822 849 0.00 0.00 885 821 943 944 907 947
Market Capitalization		 111 89 88 105 111 111 120 131 134 141 159
Book Value per Share		 $20.99 $20.96 $20.98 $0.00 $0.00 $23.49 $21.54 $22.04 $22.09 $22.13 $22.44
Tangible Book Value per Share		 $18.09 $17.95 $18.02 $0.00 $0.00 $20.24 $18.57 $19.01 $19.03 $19.03 $19.29
Total Capital		 1,022 1,037 1,007 0.00 0.00 1,031 956 1,062 1,080 1,018 1,045
Total Debt		 824 838 807 0.00 0.00 836 762 870 892 833 863
Total Long-Term Debt		 824 838 807 0.00 0.00 836 30 870 892 50 65
Net Debt		 771 733 761 0.00 0.00 773 702 811 810 766 788
Capital Expenditures (CapEx)		 0.04 0.18 0.74 0.08 0.10 0.07 0.18 0.08 0.49 0.13 0.12
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 0.00 0.00 0.00 0.00 0.00 0.00 -114 0.00 0.00 -111 -128
Debt-free Net Working Capital (DFNWC)		 53 105 46 0.00 0.00 62 -57 58 82 -48 -57
Net Working Capital (NWC)		 53 105 46 0.00 0.00 62 -788 58 82 -831 -855
Net Nonoperating Expense (NNE)		 0.20 0.10 0.00 0.11 0.20 0.33 -1.65 0.29 0.30 0.35 -0.98
Net Nonoperating Obligations (NNO)		 771 733 761 0.00 0.00 773 702 811 810 766 788
Total Depreciation and Amortization (D&A)		 0.86 0.42 0.87 0.81 0.72 1.27 0.55 0.63 0.71 0.62 0.64
Debt-free, Cash-free Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -353.97% 0.00% 0.00% -224.17% -384.62%
Debt-free Net Working Capital to Revenue		 0.00% 0.00% 109.63% 0.00% 0.00% 158.57% -175.09% 121.23% 166.36% -96.11% -170.51%
Net Working Capital to Revenue		 0.00% 0.00% 109.63% 0.00% 0.00% 158.57% -2,441.15% 121.23% 166.36% -1,670.93% -2,562.25%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.12 $0.12 $0.00 $0.00 $0.00 $0.06 $0.27 $0.09 $0.11 $0.12 $0.13
Adjusted Weighted Average Basic Shares Outstanding		 8.59M 8.79M 6.83M 0.00 0.00 8.30M 8.43M 7.85M 7.58M 7.38M 7.49M
Adjusted Diluted Earnings per Share		 $0.12 $0.12 $0.00 $0.00 $0.00 $0.06 $0.27 $0.09 $0.11 $0.12 $0.12
Adjusted Weighted Average Diluted Shares Outstanding		 8.59M 8.79M 6.83M 0.00 0.00 8.32M 8.44M 7.93M 7.69M 7.56M 7.64M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 9.51M 9.51M 0.00 0.00 0.00 9.00M 8.71M 8.53M 8.34M 8.10M 7.93M
Normalized Net Operating Profit after Tax (NOPAT)		 1.22 1.17 0.00 1.48 1.22 0.87 0.57 0.99 1.13 1.24 -0.04
Normalized NOPAT Margin		 13.05% 12.91% 0.00% 15.61% 13.05% 8.10% 20.42% 9.77% 10.79% 11.04% -2.63%
Pre Tax Income Margin		 14.35% 14.99% 0.00% 18.29% 14.35% 5.85% 87.55% 8.86% 10.39% 10.41% 79.40%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.56 6.63 0.00 11.61 5.56 2.63 1.84 3.36 3.69 3.51 -0.12
NOPAT to Interest Expense		 4.15 5.14 0.00 9.06 4.15 2.26 1.68 2.60 2.80 2.66 -0.09
EBIT Less CapEx to Interest Expense		 5.42 5.86 0.00 11.11 5.22 2.44 1.32 3.16 2.47 3.23 -0.37
NOPAT Less CapEx to Interest Expense		 4.01 4.37 0.00 8.56 3.81 2.07 1.16 2.40 1.58 2.38 -0.34
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 8.64% 19.57% 29.92% 36.18% 50.37%
Augmented Payout Ratio		 0.00% 0.00% 0.00% -6.79% -34.22% 1,526.51% 229.13% 322.41% 368.14% 383.35% 528.24%

Financials Breakdown Chart

Key Financial Trends

SR Bancorp’s recent results show improving quarterly profitability and operating cash generation, but the balance sheet remains highly leveraged and capital allocation is volatile. Net income increased each quarter during fiscal 2026, from $693,000 in Q1 to $834,000 in Q2, $886,000 in Q3 and $940,000 in Q4. Basic EPS also improved from $0.09 to $0.13 over that period.

  • Profitability improved sequentially. Fiscal 2026 net income rose in every reported quarter, while operating income increased from $1.275 million in Q1 to $1.633 million in Q3. Q4 net income reached $940,000, although the quarter’s revenue and expense presentation appears unusual and should be interpreted cautiously.
  • Operating cash flow strengthened. Net cash from operating activities increased from $1.222 million in Q1 2026 to $2.009 million in Q3 and $3.880 million in Q4. This is a favorable change from the negative $1.432 million reported in Q2 2025.
  • Receivables and total assets expanded. Noncurrent note and lease receivables increased from $780.8 million in the March 2025 balance sheet to $859.1 million in March 2026. Total assets also grew from $1.074 billion to $1.143 billion over the same comparison.
  • Share repurchases continued. SR Bancorp repurchased common stock in each fiscal 2026 quarter, including $4.0 million in Q4. Buybacks can support per-share results when the shares are purchased at attractive valuations.
  • Cash dividends remained consistent. The company reported a common dividend of $0.05 per share in each fiscal 2026 income statement quarter, providing an ongoing shareholder return while earnings remained positive.

Key items to monitor:

  • Investment activity is substantial. SR Bancorp purchased $28.8 million, $14.6 million, $24.3 million and $42.8 million of investments in fiscal 2026’s four quarters, respectively. These purchases may support future income, but their effect will depend on investment yields, credit quality and interest-rate movements.
  • Cash balances fluctuate materially. Cash and equivalents were $58.3 million at September 30, 2025 and $63.7 million at March 31, 2026, while quarterly cash flow ranged from an $18.2 million decline in Q3 2026 to a $7.8 million increase in Q4. The company’s liquidity position should be assessed alongside its funding needs and investment portfolio.
  • Financing sources have been inconsistent. Financing cash flow was positive $24.8 million in Q1 2026, positive $32.4 million in Q2, negative $1.9 million in Q3 and positive $43.3 million in Q4. The figures include debt issuance and large amounts classified as other financing activities, making the underlying funding trend difficult to evaluate.
  • Leverage increased while equity declined. Total liabilities rose from $918.2 million at September 30, 2025 to $959.0 million at March 31, 2026, while common equity fell from $191.9 million to $184.5 million. This reduced the equity cushion relative to the company’s asset base.
  • Interest costs remain a significant burden. Interest expense increased from $380,000 in Q1 2026 to $463,000 in Q4, while cash interest paid rose from $4.29 million to $7.00 million. Higher funding costs could pressure future margins if asset yields do not rise accordingly.
  • Core operating performance is uneven. Q4 2026 reported revenue of $1.573 million was sharply below $11.222 million in Q3, and operating income turned slightly negative at $55,000. Q4 net income was supported by $1.304 million of net other income, suggesting that reported earnings may not fully reflect recurring operating performance.
  • Capital returns compete with balance-sheet needs. The company spent approximately $13.1 million on share repurchases and dividends during fiscal 2026 while also relying on debt issuance and other financing inflows. Continued buybacks could limit capital flexibility if credit conditions deteriorate or funding costs increase.

Overall, the trend in quarterly earnings and operating cash flow is encouraging, but investors should place equal emphasis on leverage, interest costs and the quality of recurring income. The Q4 2026 data contains unusually large quarter-to-quarter changes, and the latest balance sheet provided is from March 31, 2026 rather than the June quarter-end, so additional filings are needed to confirm the current financial position.

10/03/26 11:51 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 fiscal year ends in June. Their fiscal year 2026 ended on June 30, 2026.

SR Bancorp's net income appears to be on an upward trend, with a most recent value of $3.35 million in 2026, rising from $1.55 million in 2023. The previous period was $5.14 million in 2025. Check out SR Bancorp's forecast to explore projected trends and price targets.

SR Bancorp's total operating income in 2026 was $4.33 million, based on the following breakdown:
  • Total Gross Profit: $16.66 million
  • Total Operating Expenses: $12.33 million

Over the last 3 years, SR Bancorp's total revenue changed from $14.41 million in 2023 to $33.38 million in 2026, a change of 131.6%.

In the past 10 quarters, SR Bancorp's cash and equivalents has ranged from $47.30 million in Q1 2024 to $81.84 million in Q2 2026, and is currently $63.68 million as of their latest financial filing in Q3 2026.

SR Bancorp had total debt of $863.27 million at the end of 2026, a 2.0% increase from 2025, and a 71.3% increase since 2023.

Over the last 3 years, SR Bancorp's book value per share changed from 13.48 in 2023 to 22.44 in 2026, a change of 66.5%.


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Financial statements for NASDAQ:SRBK last updated on 9/25/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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