Stocks · Financial Services · Banks - Regional
SR Bancorp, Inc. Common stock SRBK
$18.50 -1.33% Close, Oct 2, 2026 · NASDAQ · Market cap $134.5M
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 7.8% in a year, mainly through buybacks.
- Net debt is 13.1× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 561 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 34%
- EPS growth (TTM, YoY)Bottom 18%
- FCF growth (TTM, YoY)Top 11%
- Revenue growth, 3-year CAGRTop 8%
- Revenue growth accelerationBottom 13%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 33%
- Gross marginBottom 45%
- Operating marginBottom 17%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 39%
- Net debt / EBITDA (lower is better)Bottom 9%
- Interest coverBottom 14%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 27%
- Free-cash-flow yieldBottom 49%
- EBITDA / enterprise valueBottom 29%
- Sales / enterprise valueBottom 38%
- P/E vs own 5-year history (lower is better)Top 28%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 23%
- 6-month returnTop 46%
- 1-year return vs S&P 500Top 27%
- Distance from 52-week highBottom 45%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 20%
- Consecutive EPS beatsBottom 17%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 31%
- Maximum drawdown, 3 yearsTop 18%
- Beta vs S&P 500 (lower is better)Top 28%
- Net debt / EBITDA (lower is better)Bottom 9%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 17.0% | 2.4% | ↓ |
| EPS growth (YoY) | 12887.0% | -28.4% | ↓ |
| Gross margin | 66.3% | 63.3% | ↓ |
| Operating margin | 12.2% | 7.5% | ↓ |
| FCF margin | 8.5% | 20.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.4% | 17.0% | ↓ | Bottom 34% |
| EPS growth (TTM, YoY) | -28.4% | 12887.0% | ↓ | Bottom 18% |
| Gross margin | 63.3% | 66.3% | ↓ | Bottom 45% |
| Operating margin | 7.5% | 12.2% | ↓ | Bottom 17% |
| Net margin | 6.5% | 10.3% | ↓ | — |
| Free-cash-flow margin | 20.2% | 8.5% | ↑ | — |
| Return on invested capital | 0.3% | — | Bottom 33% | |
| Revenue growth, 3-year CAGR | 43.4% | — | Top 8% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 3.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +29346.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 13.06×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.26%
- Net buyback yield (TTM)
- 11.74%
- Shareholder yield
- 13.00%
- Share count change, 1 year
- -7.8%
- Share count change, 3-year CAGR
- -7.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Sep 25, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 1 of 4
- Average EPS surprise, last 4
- -4.0%
- Average 2-day reaction, last 8
- -0.5%
- Positive 20 days after report
- 5 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | -7.7% | -1.4% | +0.4% | +0.2% | — |
| Apr 28, 2026 | +10.0% | +2.2% | -2.0% | -0.7% | +2.1% |
| Jan 28, 2026 | -18.2% | -0.9% | +2.0% | +0.1% | +9.8% |
| Oct 30, 2025 | +0.0% | +0.1% | +1.3% | +4.5% | +14.5% |
| Jul 31, 2025 | — | -0.2% | +0.9% | +8.6% | +5.4% |
| Apr 30, 2025 | — | +0.0% | -0.7% | -0.8% | +10.4% |
| Jan 31, 2025 | — | +0.3% | -2.9% | -4.1% | +4.5% |
| Oct 30, 2024 | — | -4.2% | -0.5% | +1.9% | +11.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.12 | $0.13 | -7.7% | $8.6M |
| Apr 28, 2026 | $0.11 | $0.10 | +10.0% | $8.4M |
| Jan 28, 2026 | $0.09 | $0.11 | -18.2% | $8.4M |
| Oct 30, 2025 | $0.09 | $0.09 | +0.0% | $8.2M |
| Jul 31, 2025 | $0.11 | — | — | $8.0M |
| Apr 30, 2025 | $0.06 | — | — | $12.0M |
| Jan 31, 2025 | $0.12 | — | — | $12.2M |
| Oct 30, 2024 | $0.16 | — | — | $12.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 41.4× | 64.7× | 31th | Bottom 27% |
| P/E (forward) | 31.0× | — | — | — |
| EV / EBITDA | 40.5× | — | — | Bottom 29% |
| EV / Sales | 3.87× | — | — | Bottom 38% |
| Free-cash-flow yield | 7.72% | — | — | Bottom 49% |
| Earnings yield | 2.42% | — | — | Bottom 27% |
P/E over the past five years
Range 23.5× – 207.0× since Jun 30, 2022. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +22.9%
- Earnings per share growth (TTM)
- -28.4%
- Change in P/E multiple
- +82.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 561
- 50-day average slope (20 days)
- +0.0%
- 200-day average slope (20 days)
- +2.1%
- Distance from 50-day average
- -5.6%
- Distance from 200-day average
- +1.7%
- RSI (14)
- 27.7
- Relative volume
- 0.71×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.3%
- Volatility vs own 5-year history
- 39th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.37
- Correlation with S&P 500
- 0.32
- Current drawdown from 1-year high
- -9.2%
- Maximum drawdown, 3 years
- -9.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Sep 20, 2023 | Nov 1, 2023 | -13.5% | 30 days | 11 days (Nov 16, 2023) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $134.5M
- P/E (TTM)
- 41.4
- EPS, diluted (TTM)
- $0.45
- Revenue (TTM)
- $51.3M
- Dividend yield
- 1.19%
- 52-week range
- $14.33 – $20.95
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $14.8M | $17.4M | $38.4M | $50.0M | $51.3M |
| Gross profit | $13.2M | $15.0M | $22.8M | $33.2M | $32.5M |
| Operating income | $2.2M | $1.8M | -$11.8M | $6.1M | $3.8M |
| Net income | $1.9M | $1.6M | -$10.9M | $5.1M | $3.4M |
| EPS (diluted) | $0.20 | $0.16 | -$1.59 | $0.61 | $0.45 |
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $12.3M | $12.2M | $12.0M | $13.6M | $12.5M | $12.9M | $12.5M | $13.4M |
| Net income | $1.4M | $1.0M | $537,000 | $2.2M | $693,000 | $834,000 | $886,000 | $940,000 |
| EPS (diluted) | $0.16 | $0.12 | $0.06 | $0.28 | $0.09 | $0.11 | $0.12 | $0.13 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.0M | $2.3M | -$1.7M | $4.7M | $10.7M |
| Capital expenditure | -$327,000 | -$516,000 | -$1.1M | -$433,000 | -$820,000 |
| Free cash flow | $708,000 | $1.8M | -$2.8M | $4.2M | $9.4M |
| Dividends paid | $0 | $0 | $0 | -$444,000 | -$1.7M |
| Net share buybacks | $0 | $0 | $79.5M | -$11.3M | -$15.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $3.8M
- Total assets
- $1.19B
- Total liabilities
- $1.01B
- Total debt
- $67.8M
- Net debt
- $63.9M
- Shareholders’ equity
- $181.8M
As of Jun 30, 2026 (filed Sep 25, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 30, 2026 | $0.06 | Oct 15, 2026 |
| Jun 30, 2026 | $0.06 | Jul 15, 2026 |
| Mar 31, 2026 | $0.05 | Apr 15, 2026 |
| Dec 31, 2025 | $0.05 | Jan 15, 2026 |
| Sep 30, 2025 | $0.05 | Oct 15, 2025 |
| Jun 30, 2025 | $0.05 | Jul 15, 2025 |
| Mar 31, 2025 | $0.05 | Apr 15, 2025 |
Short interest
- Shares sold short
- 259,888
- Days to cover
- 15.75
- Change vs previous report
- +7.2%
FINRA short interest, settlement date Sep 15, 2026.