NASDAQ : SRBK
SR Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 18.97 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 138.29M
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Financial statements
Income statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 47.19M | 45.41M | 41.69M | 33.62M | 11.32M | 9.30M |
| Interest Income on Investments | 4.15M | 4.17M | 4.63M | 7.25M | 4.80M | 4.13M |
| Total Interest Income | 51.34M | 49.58M | 46.31M | 40.87M | 16.12M | 13.43M |
| Interest Paid on Deposits | 17.52M | 16.64M | 15.56M | 10.69M | 2.18M | 1.53M |
| Interest Paid on Borrowings | 1.88M | 1.71M | 1.18M | 808.00K | 245.00K | |
| Total Interest Expense | 19.40M | 18.35M | 16.73M | 11.49M | 2.43M | 1.53M |
| Net Interest Income | 31.94M | 31.23M | 29.58M | 29.37M | 13.69M | 11.90M |
| Gain (Loss) on Sale of Investments | -11.00K | -10.00K | 13.00K | -4.46M | -114.00K | -8.00K |
| Other Non-Interest Income | 2.19M | 2.19M | 2.18M | 1.92M | 1.38M | 1.36M |
| Total Non-Interest Income | 2.25M | 2.22M | 2.24M | -2.49M | 1.26M | 1.35M |
| Revenues Before Loan Losses | 34.19M | 33.45M | 31.82M | 26.88M | 14.96M | 13.25M |
| Provision for Loan Losses | 581.00K | 575.00K | 133.00K | 4.07M | ||
| Revenue | 33.61M | 32.87M | 31.69M | 22.81M | 14.96M | 13.25M |
| Salaries and Employee Benefits | 13.80M | 13.57M | 12.81M | 11.99M | 7.79M | 6.37M |
| Occupancy Expenses | 710.00K | |||||
| Federal Deposit Insurance | 443.00K | 440.00K | 480.00K | 468.00K | 182.00K | 151.00K |
| Selling, General & Administrative | 11.06M | 11.07M | 10.09M | 9.81M | 4.38M | 3.04M |
| Other Non-Interest Expense | 3.37M | 3.40M | 3.67M | 9.25M | 809.00K | 753.00K |
| Total Non-Interest Expense | 28.68M | 28.47M | 27.05M | 31.52M | 13.15M | 11.01M |
| EBT Excluding Unusual Items | 4.93M | 4.40M | 4.63M | -8.71M | 1.80M | 2.23M |
| Pretax Income | 4.93M | 4.40M | 6.13M | -11.77M | 1.80M | 2.23M |
| Income Tax Expense | 1.21M | 1.05M | 991.00K | -909.00K | 250.00K | 363.00K |
| Net Income | 3.73M | 3.35M | 5.14M | -10.86M | 1.55M | 1.87M |
| Net Income to Common | 3.73M | 3.35M | 5.14M | -10.86M | 1.55M | 1.87M |
| Basic Shares Outstanding | 7.29M | 7.49M | 8.43M | 6.83M | 9.51M | 50.00M |
| Diluted Shares Outstanding | 7.49M | 7.64M | 8.44M | 6.83M | 9.51M | 50.00M |
| EPS (Basic) | 0.51 | 0.45 | 0.61 | -1.59 | 0.16 | 0.04 |
| EPS (Diluted) | 0.50 | 0.44 | 0.61 | -1.59 | 0.16 | 0.04 |
| Dividend Per Share | 0.22 | 0.21 | 0.10 | |||
| Effective Tax Rate | 24.46% | 23.79% | 16.17% | 13.87% | 16.25% |
Balance sheet
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 60.19M | 71.46M | 57.78M | 45.91M | 42.45M | 35.34M |
| Investment Securities | 24.00K | 12.87M | 10.00M | 10.50M | 10.64M | 11.15M |
| Mortgage-Backed Securities | 122.66M | 118.31M | 131.88M | 145.67M | 196.64M | 229.62M |
| Total Investments | 122.68M | 131.18M | 141.88M | 156.17M | 207.28M | 240.78M |
| Gross Loans | 953.50M | 907.13M | 802.53M | 737.09M | 363.37M | 335.67M |
| Allowance for Loan Losses | -6.12M | -5.94M | -5.36M | -5.23M | -1.12M | -1.12M |
| Net Loans | 947.38M | 901.19M | 797.17M | 731.86M | 362.25M | 334.56M |
| Property, Plant & Equipment | 7.14M | 7.56M | 8.10M | 7.73M | 3.56M | 3.44M |
| Goodwill | 20.42M | 20.42M | 20.42M | |||
| Other Intangible Assets | 25.28M | 5.12M | 6.29M | 7.72M | ||
| Accrued Interest Receivable | 3.79M | 3.48M | 3.07M | 2.69M | 1.19M | 1.07M |
| Long-Term Deferred Tax Assets | 1.95M | 2.71M | 3.59M | 1.96M | 2.53M | |
| Other Long-Term Assets | 49.90M | 45.72M | 46.53M | 43.66M | 32.06M | 30.21M |
| Total Assets | 1.22B | 1.19B | 1.09B | 1.02B | 651.49M | 648.63M |
| Interest Bearing Deposits | 880.60M | 606.67M | 586.62M | 589.37M | 442.03M | 454.95M |
| Institutional Deposits | 191.60M | 145.30M | 109.70M | 21.20M | 23.40M | |
| Non-Interest Bearing Deposits | 98.64M | 128.16M | 114.11M | 108.03M | 40.69M | 43.72M |
| Total Deposits | 979.25M | 926.42M | 846.02M | 807.10M | 503.92M | 522.07M |
| Short-Term Borrowings | 35.00M | 65.00M | 30.00M | 20.00M | ||
| Current Portion of Leases | 888.00K | |||||
| Accrued Interest Payable | 225.00K | 216.00K | 223.00K | 149.00K | ||
| Long-Term Leases | 2.57M | 1.90M | 3.21M | 2.40M | 19.00K | |
| Pension & Post-Retirement Benefits | 1.51M | 1.14M | ||||
| Other Long-Term Liabilities | 17.01M | 15.96M | 13.21M | 10.20M | 4.33M | 8.33M |
| Total Liabilities | 1.03B | 1.01B | 892.67M | 821.36M | 529.40M | 530.40M |
| Common Stock | 79.00K | 79.00K | 89.00K | 95.00K | ||
| Additional Paid-In Capital | 66.62M | 66.47M | 80.84M | 91.44M | ||
| Retained Earnings | 122.89M | 122.26M | 120.50M | 116.20M | 127.10M | 125.55M |
| Comprehensive Income & Other | -7.27M | -7.01M | -7.66M | -8.25M | -5.01M | -7.32M |
| Shareholders' Equity | 182.32M | 181.79M | 193.78M | 199.48M | 122.08M | 118.23M |
| Total Liabilities & Equity | 1.22B | 1.19B | 1.09B | 1.02B | 651.49M | 648.63M |
| Total Debt | 37.57M | 67.78M | 33.21M | 2.40M | 20.02M | |
| Net Cash (Debt) | 22.62M | 3.68M | 24.57M | 43.51M | 22.43M | 35.34M |
| Net Cash Per Share | 3.02 | 0.48 | 2.91 | 6.37 | 2.36 | 0.71 |
| Filing Date Shares Outstanding | 7.29M | 7.30M | 8.04M | 8.71M | 9.51M | 50.00M |
| Total Common Shares Outstanding | 7.29M | 7.31M | 8.21M | 8.80M | 9.51M | 50.00M |
| Book Value Per Share | 25.01 | 24.88 | 23.60 | 22.66 | 12.84 | 2.36 |
| Tangible Book Value | 157.03M | 156.25M | 167.07M | 171.34M | 122.08M | 118.23M |
| Tangible Book Value Per Share | 21.54 | 21.38 | 20.35 | 19.46 | 12.84 | 2.36 |
Cash flow statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 3.35M | 5.14M | -10.86M | 1.55M | 1.87M | |
| Depreciation & Amortization | 2.12M | 2.34M | 2.14M | 413.00K | 395.00K | |
| Other Amortization | 320.00K | 269.00K | 364.00K | 568.00K | 434.00K | |
| Gain (Loss) on Sale of Assets | -13.00K | |||||
| Gain (Loss) on Sale of Investments | 165.00K | 718.00K | 4.74M | 681.00K | 695.00K | |
| Provision for Credit Losses | 575.00K | 133.00K | 4.07M | |||
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 33.00K | 51.00K | 55.00K | |||
| Accrued Interest Receivable | -406.00K | -555.00K | -292.00K | -121.00K | -29.00K | |
| Change in Other Net Operating Assets | 5.27M | 1.11M | 807.00K | 269.00K | -1.97M | |
| Other Operating Activities | -2.83M | -5.60M | -3.21M | -1.34M | -358.00K | |
| Operating Cash Flow | 10.70M | 4.67M | -1.74M | 2.32M | 1.03M | |
| Capital Expenditures | -820.00K | -433.00K | -1.10M | -516.00K | -327.00K | |
| Sale of Property, Plant and Equipment | 13.00K | |||||
| Cash Acquisitions | -14.24M | |||||
| Investment in Securities | 10.54M | 14.00M | 72.98M | 31.50M | -6.32M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -102.95M | -61.32M | -45.95M | -28.26M | -28.19M | |
| Other Investing Activities | -2.35M | -2.73M | 43.00K | -24.00K | -67.00K | |
| Investing Cash Flow | -95.58M | -50.48M | 11.75M | 2.69M | -34.90M | |
| Short-Term Debt Issued | 35.00M | 30.00M | 20.00M | |||
| Total Debt Issued | 35.00M | 30.00M | 20.00M | |||
| Short-Term Debt Repaid | -20.00M | |||||
| Total Debt Repaid | -20.00M | |||||
| Net Debt Issued (Repaid) | 35.00M | 30.00M | -20.00M | 20.00M | ||
| Issuance of Common Stock | 428.00K | 79.45M | ||||
| Repurchase of Common Stock | -16.43M | -11.32M | ||||
| Common Dividends Paid | -1.69M | -444.00K | ||||
| Net Increase (Decrease) in Deposit Accounts | 80.35M | 38.79M | -69.76M | -18.16M | 12.08M | |
| Other Financing Activities | 903.00K | 663.00K | 3.76M | 245.00K | 382.00K | |
| Financing Cash Flow | 98.56M | 57.69M | -6.55M | 2.09M | 12.46M | |
| Net Cash Flow | 13.68M | 11.87M | 3.46M | 7.11M | -21.41M | |
| Free Cash Flow | 9.88M | 4.23M | -2.84M | 1.80M | 708.00K | |
| Free Cash Flow Margin | 30.06% | 13.35% | -12.45% | 12.06% | 5.34% | |
| Free Cash Flow Per Share | 1.29 | 0.50 | -0.42 | 0.19 | 0.01 | |
| Cash Interest Paid | 19.56M | 15.47M | 9.58M | 2.43M | 1.53M | |
| Cash Income Tax Paid | 100.00K | 475.00K | 370.00K |
Ratios
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 140.47M | 152.13M | 123.99M | 87.95M | ||
| Last Close Price | 18.79 | 19.62 | 13.29 | 9.03 | ||
| PE Ratio | 38.52 | 45.37 | 24.14 | |||
| PS Ratio | 4.16 | 4.63 | 3.91 | 3.85 | ||
| PB Ratio | 0.75 | 0.84 | 0.64 | 0.44 | ||
| P/FCF Ratio | 14.16 | 15.39 | 29.30 | |||
| P/OCF Ratio | 13.08 | 14.21 | 26.58 | |||
| Debt / Equity Ratio | 0.21 | 0.37 | 0.17 | 0.01 | 0.16 | |
| Debt / FCF Ratio | 6.86 | 7.85 | 11.10 | |||
| Net Debt / Equity Ratio | -0.12 | -0.02 | -0.13 | -0.22 | -0.18 | -0.30 |
| Net Debt / FCF Ratio | -0.37 | -5.80 | 15.31 | -12.43 | -49.92 | |
| Return on Equity (ROE) | 1.99% | 1.79% | 2.61% | -6.75% | 1.29% | 1.56% |
| Return on Assets (ROA) | 0.32% | 0.29% | 0.49% | -1.30% | 0.24% | 0.29% |
| Earnings Yield | 2.60% | 2.20% | 4.14% | -12.35% | ||
| FCF Yield | 7.06% | 6.50% | 3.41% | -3.23% | ||
| Dividend Yield | 1.25% | 1.01% | 0.66% | |||
| Payout Ratio | 43.97% | 50.37% | 8.64% | |||
| Buyback Yield / Dilution | 8.98% | 9.57% | -23.57% | 28.13% | 80.98% | |
| Total Shareholder Return | 10.26% | 10.58% | -22.91% | 28.13% | 80.98% |