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Upturn AI SWOT - About
SR Bancorp, Inc. Common stock (SRBK)
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Upturn Advisory Summary
06/30/2025: SRBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.71% | Avg. Invested days 58 | 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 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
SR Bancorp, Inc. Common stock
Company Overview
History and Background
SR Bancorp, Inc. is a bank holding company. While specific details on its founding year and milestones require further research, it operates primarily in the financial services sector.
Core Business Areas
- Community Banking: Offers traditional banking services to individuals and small businesses, including checking and savings accounts, loans, and mortgages.
- Commercial Lending: Provides financing solutions to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Wealth Management: Offers investment advisory and wealth management services to individuals and families.
Leadership and Structure
Information regarding the specific leadership team and organizational structure of SR Bancorp, Inc. is not readily available in public databases. Further research is required.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for commercial properties. Market share data is not readily available. Competitors include other regional and national banks.
- Small Business Loans: Loans for small business operations and expansions. Market share data is not readily available. Competitors include other banks and online lenders.
- Mortgage Loans: Loans for home purchases. Market share data is not readily available. Competitors include mortgage companies and other banks.
Market Dynamics
Industry Overview
The banking industry is currently facing a complex landscape with rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is occurring within the industry.
Positioning
SR Bancorp, Inc. positions itself as a community bank, focusing on building relationships with local customers and businesses. Its competitive advantage lies in its local presence and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services is enormous, encompassing all individuals and businesses needing financial services. SR Bancorp, Inc. focuses on capturing a share of the community banking segment within its geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Dependence on local economy
- Less technological resources compared to larger peers
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Adoption of new technologies
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- USB
Competitive Landscape
SR Bancorp, Inc. faces intense competition from larger national banks and regional players. Its advantages include personalized service and local market knowledge, while its disadvantages include limited resources and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to specific financial data. No data is available without financial statements.
Future Projections: Future projections require analyst estimates which are not possible to provide without financial data access.
Recent Initiatives: Specific information on recent strategic initiatives is not publicly available without detailed research.
Summary
SR Bancorp, Inc. is a community bank facing competition from larger institutions. It's strong local presence and customer relationships are advantages, but its limited size and resources pose challenges. Future growth depends on strategic initiatives and the ability to adapt to the evolving banking landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information
- Industry reports
- SEC filings (where available)
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Data is based on publicly available information and may be subject to change. Financial data is limited due to the unavailability of SR Bancorp's statements.
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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