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Upturn AI SWOT - About
SR Bancorp, Inc. Common stock (SRBK)
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Upturn Advisory Summary
09/15/2025: 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 42.67% | Avg. Invested days 71 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
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 the holding company for Spencer Savings Bank, a community bank headquartered in Elmwood Park, New Jersey. Founded in 1924, Spencer Savings Bank has grown organically and through strategic acquisitions, focusing on providing financial services to individuals and businesses in the region.
Core Business Areas
- Retail Banking: Offers deposit accounts, loans, and other banking services to individuals and families.
- Commercial Banking: Provides loans, deposit products, and other financial services to small and medium-sized businesses.
- Wealth Management: Offers financial planning and investment services to high-net-worth individuals.
Leadership and Structure
Anthony V. Alfano serves as the Chairman, President, and CEO. The bank operates with a board of directors overseeing the executive management team.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of mortgage products to home buyers. Market share is regional, competing with national and local banks. Competitors include Wells Fargo, Bank of America, and local credit unions.
- Commercial Real Estate Loans: Provides loans for commercial real estate projects. Market share is concentrated in New Jersey and New York metropolitan area. Competitors include regional banks like Provident Bank and Valley National Bank.
- Savings Accounts: Spencer Saving Bank offer saving accounts to the local community, no market share data available. Competitors include Wells Fargo, Bank of America, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
SR Bancorp, Inc. is positioned as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantage lies in its deep understanding of the New Jersey market.
Total Addressable Market (TAM)
The TAM for banking services in the New Jersey and New York metropolitan area is estimated to be billions of dollars. SR Bancorp is positioned to capture a share of this market by focusing on relationship banking and local market expertise.
Upturn SWOT Analysis
Strengths
- Strong local presence in New Jersey
- Experienced management team
- Focus on relationship banking
- Solid capital position
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Exposure to interest rate risk
- Dependence on the New Jersey market
Opportunities
- Expansion into new markets within the region
- Increased demand for wealth management services
- Adoption of new technologies to improve efficiency
- Potential for strategic acquisitions
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- Valley National Bancorp (VLY)
- Provident Financial Services, Inc. (PFS)
- Investors Bancorp, Inc. (ISBC) - Acquired by Citizens Financial Group
Competitive Landscape
SR Bancorp, Inc. competes with larger regional banks and national players. Its advantage lies in its community focus and local expertise, but it faces challenges from competitors with greater resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions. Generic placeholder provided.
Future Projections: Future growth projections are not available without specific analyst reports. Generic placeholder provided.
Recent Initiatives: Recent initiatives include expanding commercial lending operations and investing in technology to improve customer experience.
Summary
SR Bancorp, Inc. is a community-focused bank with a strong presence in New Jersey. It benefits from experienced management and a solid capital position. However, it faces challenges from larger competitors and needs to manage interest rate risk and expand geographically. Future growth depends on its ability to adapt to changing market conditions and leverage technology.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Publicly Available Information
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market data is approximate and may not be entirely accurate.
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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