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SR Bancorp, Inc.

SRBK

SR Bancorp, Inc. operates as the bank holding company for Somerset Regal Bank, providing a comprehensive suite of retail and commercial banking services.

Market cap
$138.29M+18.5%
Net income$3.4M-34.7%
Free cash flow$9.9M—
Trailing twelve months · change vs. prior year

Earnings

Next report

Jan 28, 2027 (in 3 months)
Revenue estimate$9.2M
EPS estimate$0.18

Financials

Q4 2026

Income statement

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Net income$940.0K-57.5%

Balance sheet

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Cash & equivalents$71.5M+23.7%
Total debt$67.8M+7.2%
Total equity$181.8M-6.2%
Total assets$1.2B+9.7%

Cash flow

See full
Operating cash flow$3.9M+123%
CapEx$117.0K-33.5%
Free cash flow$3.8M+141%

Valuation & ratios

Valuation

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Market cap$138.29M+18.5%
Enterprise value$134.61M+36.7%
P/E41.2×+14.6×

Returns & leverage

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Return on equity1.8%-0.8pp
Debt / equity0.4×0.0×

Competitors

Profile

SR Bancorp, Inc. operates as the bank holding company for Somerset Regal Bank, providing a comprehensive suite of retail and commercial banking services. The company focuses on community-based banking, attracting deposits from local consumers, businesses, and municipalities to fund its lending activities. Its core value proposition centers on delivering tailored residential mortgage solutions and commercial lending expertise within its primary northern and central New Jersey markets.

Competitive position

The company maintains a solid community banking presence in affluent New Jersey counties, enhanced by a recent merger that expanded its commercial lending capabilities and branch footprint.

GeographiesUnited States, New Jersey
Customer segmentsRetail, Small and Medium Businesses (SMB), Municipalities
Business modelTraditional Banking, Interest Spread Model
SuppliersRetail and commercial depositors, Federal Home Loan Bank of New York, Federal Reserve Bank of New York, Unaffiliated mortgage brokers, Independent property appraisers
CustomersResidential homebuyers, Commercial property owners, Small business borrowers, Local government entities
Listed2023
Employees65.0
CEOChristopher J. Pribula
FilingsSEC EDGAR

FAQ

What is SR Bancorp, Inc.'s market cap?
SR Bancorp, Inc. (SRBK) has a market capitalization of $138.3M and trades on NASDAQ.
Who are SR Bancorp, Inc.'s competitors?
SR Bancorp, Inc.'s key competitors include MainStreet Bancshares, Inc. Depositary Shares, Magyar Bancorp, Inc., Pathfinder Bancorp Inc, and others. These companies compete in similar markets and product categories.
Who does SR Bancorp, Inc. partner with?
SR Bancorp, Inc.'s notable partners include Fannie Mae, Freddie Mac.
What subsidiaries does SR Bancorp, Inc. have?
SR Bancorp, Inc.'s subsidiaries include Somerset Regal Bank, RB Properties, LLC, Somerset Investment Company, and others.
Where is SR Bancorp, Inc. headquartered?
SR Bancorp, Inc. is headquartered in United States of America and employs approximately 65 people. It has been publicly traded since 2023.