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SR Bancorp, Inc. SRBK Capital Conservation Buffer

Capital Conservation Buffer at other companies

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Bank of AmericaBAC
$0.030.0%
Pathfinder Bancorp logo
Pathfinder BancorpPBHC
8%0.0pp
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Texas Community Bancshares, Inc.TCBS
12%+0.9pp
MainStreet Bancshares, Inc. logo
MainStreet Bancshares, Inc.MNSBP
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FB Bancorp, Inc.FBLA

Other financials

Income statement

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Revenue$8.4M+6.4%
Net income$886.0K+65.0%
EPS (diluted)$0.11-8.3%

Balance sheet

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Cash & equivalents$63.7M+2.3%
Total debt$53.0M+65.6%
Total equity$184.5M-5.4%
Total assets$1.1B+6.5%

Cash flow

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Operating cash flow$2.0M-21.9%
CapEx$133.0K+79.7%
Free cash flow$1.9M-24.9%

Valuation

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Market cap$146.31M+22.0%
Enterprise value$135.63M+8.2%
P/E31.6×+8.3×
P/S4.6×

Profitability

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Net margin-27.5%-37.6pp
FCF margin-22.7%

Returns & leverage

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Return on equity2.4%+2.4pp
Debt / equity0.3×+0.1×

Where this comes from

Reported directly by SR Bancorp, Inc. in its filing.

Tagged under the XBRL concept us-gaap:TierOneLeverageCapitalToAverageAssets.

The official record: SR Bancorp, Inc.’s 10-Q, filed May 15, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is SR Bancorp, Inc.'s capital conservation buffer?
SR Bancorp, Inc. (SRBK) reported capital conservation buffer of 14.3% in Q1 2026.
How has SR Bancorp, Inc.'s capital conservation buffer changed year-over-year?
SR Bancorp, Inc.'s capital conservation buffer decreased by 10.1% year-over-year, from 15.9% to 14.3%.
What is the long-term trend for SR Bancorp, Inc.'s capital conservation buffer?
Over 3 years (2022 to 2025), SR Bancorp, Inc.'s capital conservation buffer has grown at a -7.1% compound annual growth rate (CAGR), from 19.4% to 15.5%.
What does capital conservation buffer mean?
This represents the mandatory capital cushion held by a financial institution above minimum regulatory requirements to absorb potential losses during periods of economic stress. Maintaining this buffer is essential for ensuring long-term solvency and meeting regulatory mandates for capital adequacy. It serves as a critical indicator of the bank's resilience against unexpected financial downturns.