SR Bancorp

SRBK on Nasdaq. SR Bancorp sells banking services like loans and deposits to people and businesses. Market value $147m.

Watch this stockFree. We tell you when something changes.

Figures from the annual report for the year ended 30 June 2026.

Should I look at this?

Not a fit for our list right now

See Financial services stocks that passed both tests

This is not advice. Check the numbers below.

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Return on equity
five annual reports to June 2026
1.8%five-year median

Yearly profit per dollar of owners' money: 2 cents. Above 10 is good.

Price to book
annual report to June 2026
0.8×

What you pay for each dollar of net assets: $0.81.

Earnings yield
annual report to June 2026
2.3%

Profit per $100 you pay: $2.29.

Quality score: 62 of 100. Price score: 64 of 100. Our list needs 70 on quality and 60 on price.

$18.50 a share, 29% above its 1-year low

Over the past year the price has ranged from $14.33 to $20.95.

Price from Friday’s close (2 October).

Five years of cash, in billions

n/a
n/a
n/a
n/a
2023202420252026
Revenue
n/an/an/an/a
Operating margin
n/an/an/an/a
Debt to equity
n/an/an/an/a
Shares outstanding
0.01bn0.01bn0.01bn0.01bn

Health checks

  • Free cash flow positiveDoesn't apply to banks and insurers
  • Accounting checksDoesn't apply to banks and insurers
  • DebtDoesn't apply to banks and insurers
  • Revenue growth, five yearsUnknown
  • Buying back its own sharesYes, 17% fewer since 2023

The quarter to June 2026

How the business did, compared with the same quarter a year earlier.

  • Profit: $940,000, down 57% on a year ago.
  • Spare cash over the past 12 months: $10 million, up from $4 million.
Profit by quarter
Profit by quarter
Quarter toAmount
September 2024$1m
December 2024$1m
March 2025$537,000
June 2025$2m
September 2025$693,000
December 2025$834,000
March 2026$886,000
June 2026$940,000

From the company's quarterly reports to the SEC.

Dates

Next results (estimated)
n/a
Last annual report (10-K)
25 September 2026
Next quarterly (estimated, 10-Q)
14 August 2026

Who owns it

1 long-term investor we follow owns it, down from 2 last quarter. 76 funds in all.

Jun '25
Dec '25
Jun '26

Sold out this quarter

Largest holders overall

From 13F filings for the quarter ended 30 June 2026.

Big holders and activists

2 investors own more than 5%.

  • Somerset Regal Bank Employee Stock Ownership Plan Trust
    Passive investor
    9.0%
    Since 31 December 2025
  • BlackRock, Inc.
    Passive investor
    5.3%
    Since 30 September 2025
  • AllianceBernstein L.P.
    Passive investor
    Sold down below 5%
    Since 30 June 2025
  • The Vanguard Group
    Passive investor
    Sold down below 5%
    Since 13 March 2026

From Schedule 13D and 13G filings: anyone owning more than 5% must file one.

What insiders did

In the last 12 months, 7 insiders bought $152,559 of shares on the open market.

  • Mustard Robert Kenneth
    Director
    Bought
    Date
    14 August 2026
    Shares
    250
    Price
    $20.21
    Value
    $5,053
  • Pribula Christopher J
    President and CEO, Director
    Bought
    Date
    15 June 2026
    Shares
    500
    Price
    $18.99
    Value
    $9,495
  • Faqueri Harris M
    SVP and CFO
    Bought
    Date
    16 March 2026
    Shares
    3,000
    Price
    $16.40
    Value
    $49,200
  • Davey Mary E
    Director
    Bought
    Date
    6 March 2026
    Shares
    320
    Price
    $16.31
    Value
    $5,219
  • Viotto Neil C
    EVP and COO
    Bought
    Date
    3 March 2026
    Shares
    1,000
    Price
    $16.83
    Value
    $16,829
  • Lupo Thomas
    Director
    Bought
    Date
    23 February 2026
    Shares
    1,000
    Price
    $16.47
    Value
    $16,470
  • Mustard Robert Kenneth
    Director
    Bought
    Date
    2 February 2026
    Shares
    250
    Price
    $17.05
    Value
    $4,263
  • Mustard Robert Kenneth
    Director
    Bought
    Date
    4 December 2025
    Shares
    300
    Price
    $15.75
    Value
    $4,725
  • Taylor William P
    CEO, Director
    Bought
    Date
    2 December 2025
    Shares
    1,000
    Price
    $15.47
    Value
    $15,475
  • Mustard Robert Kenneth
    Director
    Bought
    Date
    28 November 2025
    Shares
    200
    Price
    $15.38
    Value
    $3,076

From Form 4 filings: insiders must report trades in their own company's shares within two days.

What could go wrong

Cheap for a reason is the question the numbers cannot answer.

Whether the price already reflects the risks is what the deep dive is for.

The deep dive

Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.

  • What the business is worth, as a range, and the margin of safety at today’s price
  • Prices to start buying, buy, and buy hard
  • The three things that would make this a mistake
  • Every number footnoted to the filing it came from
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What a finished deep dive looks like

Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.