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SR Bancorp, Inc. Common stock (SRBK)
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Upturn Advisory Summary
12/01/2025: SRBK (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 41.97% | Avg. Invested days 63 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 121.46M USD | Price to earnings Ratio 675 | 1Y Target Price - |
Price to earnings Ratio 675 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 9.08 - 13.65 | Updated Date 06/29/2025 |
52 Weeks Range 9.08 - 13.65 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.48% | Basic EPS (TTM) 0.02 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -0.38% | Operating Margin (TTM) 9.7% |
Management Effectiveness
Return on Assets (TTM) -0.01% | Return on Equity (TTM) -0.05% |
Valuation
Trailing PE 675 | Forward PE - | Enterprise Value 93781448 | Price to Sales(TTM) 4.34 |
Enterprise Value 93781448 | Price to Sales(TTM) 4.34 | ||
Enterprise Value to Revenue 5.47 | Enterprise Value to EBITDA - | Shares Outstanding 8996840 | Shares Floating 8541495 |
Shares Outstanding 8996840 | Shares Floating 8541495 | ||
Percent Insiders 16.34 | Percent Institutions 25.15 |
Upturn AI SWOT
SR Bancorp, Inc. Common stock
Company Overview
History and Background
SR Bancorp, Inc. is a community bank holding company providing financial services in Pennsylvania and New Jersey. Founded in 1927 as a building and loan association, it transitioned to a commercial bank and expanded through organic growth and acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including term loans, lines of credit, and commercial real estate financing, serving businesses of various sizes.
- Retail Banking: Provides deposit accounts, personal loans, mortgages, and other retail banking services to individuals and families.
- Wealth Management: Offers wealth management and trust services to high-net-worth individuals.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes commercial banking, retail banking, wealth management divisions, and support functions like risk management and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not readily available at this granular level. Competitors include regional and national banks like PNC, Wells Fargo, and local community banks.
- Residential Mortgages: Offers mortgage loans to individuals. Market share data is not readily available. Competitors include large mortgage lenders like Rocket Mortgage, as well as other banks and credit unions.
- Commercial & Industrial (C&I) Loans: Provides financing for businesses' working capital and expansion needs. Market share data is not readily available. Competitors include regional and national banks like Bank of America and M&T Bank.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, regulatory changes, and increasing competition from fintech companies.
Positioning
SR Bancorp, Inc. is positioned as a community-focused bank with a strong presence in its local markets. Its competitive advantages include local expertise, personalized service, and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Pennsylvania and New Jersey is substantial, encompassing both commercial and retail customers. SR Bancorp is positioned to capture a share of this TAM through its local presence and customer-centric approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Customer-focused approach
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Reliance on traditional banking model
- Dependence on interest rate spreads
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- FHB
- MTB
- WFC
- BAC
Competitive Landscape
SR Bancorp faces significant competition from larger regional and national banks. Its advantage lies in its local focus and personalized service, but it needs to innovate and adopt digital technologies to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require real-time updates.
Future Projections: Future growth projections require real-time updates.
Recent Initiatives: Recent strategic initiatives require real-time updates.
Summary
SR Bancorp is a community bank with a strong local presence, but its smaller size and reliance on traditional banking models pose challenges. Expanding into new markets and embracing digital technologies will be crucial for future growth. Competition from larger banks and fintech companies remains a significant threat.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
- Market Data Providers (e.g., Yahoo Finance, Google Finance)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a financial advisor. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About SR Bancorp, Inc. Common stock
Exchange NASDAQ | Headquaters Bound Brook, NJ, United States | ||
IPO Launch date 2023-09-20 | CEO & Executive Vice Chairman Mr. William P. Taylor | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 116 | |
Full time employees 116 | |||
SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. The company offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit; business checking accounts for small businesses; and bill payment services through its online banking system. It also provides loans comprising one- to four family-residential mortgage, commercial real estate, multi-family, commercial and industrial, consumer, home equity, unsecured personal, and rehabilitation loans; and lines of credit. In addition, the company is involved in the investment activities. SR Bancorp, Inc. was founded in 1887 and is based in Bound Brook, New Jersey.
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