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Upturn AI Summary - About
SR Bancorp, Inc. Common stock(SRBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SRBK
10/12/2026: SRBK (2-star) is currently NOT-A-BUY. Pass it for now.
SR Bancorp, Inc. is a community-oriented regional bank that recently transitioned to a public company structure. Its primary business strengths lie in deep-rooted local relationships and a conservative, residential mortgage-focused lending model. The main investment story centers on the company’s ability to deploy post-IPO capital efficiently to scale its commercial lending operations. However, investors face risks related to geographic concentration, interest rate volatility, and intense competition from larger financial institutions. The stock may best suit investors looking for long-term, moderate-growth exposure in the regional banking sector, provided they monitor key developments in deposit costs and net interest margins closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a small-cap regional bank with limited historical growth velocity. |
| Momentum investor | Weak fit | The stock does not typically exhibit high momentum or high-volume volatility patterns. |
| Value investor | Mixed fit | Value investors may find interest based on book value metrics typical of community banks. |
| Dividend investor | Mixed fit | Dividend suitability depends on the company's specific payout policy and earnings consistency. |
| Low-risk investor | Mixed fit | While community banks are often stable, small-cap bank stocks carry inherent liquidity and market risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Small-cap bank stocks can experience liquidity-driven price swings. |
| Valuation risk | Medium | Valuation is sensitive to book value and prevailing interest rates. |
| Competition risk (Regional Banking) | High | Intense competition from larger banks limits pricing power. |
| Business quality | Medium | As a smaller institution, operational efficiency is highly sensitive to scale. |
| Dividend income | Medium | Dividend reliability is subject to bank regulatory capital requirements. |
| Execution risk | Medium | Successful execution of the post-IPO business model remains a primary focus. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 69.11% | Avg. Invested days 85 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 131.07M USD | Price to earnings Ratio 40.78 | 1Y Target Price 19 |
Price to earnings Ratio 40.78 | 1Y Target Price 19 | ||
Volume (30-day avg) 22.3K shares | Beta 0.59 | 52 Weeks Range 14.15 - 20.88 | Updated Date 10/12/2026 |
52 Weeks Range 14.15 - 20.88 | Updated Date 10/12/2026 | ||
Dividends yield (FY) 1.13% | Basic EPS (TTM) 0.44 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on mortgage and commercial loans minus interest paid on deposits. | The bank makes most of its money on the spread between what it earns on loans and pays on deposits. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 40.78 | Forward PE - | Enterprise Value 130.06M | Price to Sales(TTM) 3.99 |
Enterprise Value 130.06M | Price to Sales(TTM) 3.99 | ||
Enterprise Value to Revenue 6.21 | Enterprise Value to EBITDA - | Shares Outstanding 7.30M | Shares Floating 6.62M |
Shares Outstanding 7.30M | Shares Floating 6.62M | ||
Percent Insiders 17.94 | Percent Institutions 35.97 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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