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Data-driven stock valuation

SR Bancorp, Inc. (SRBK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of SR Bancorp, Inc. stock $15.07, price $18.95, that is 20.5% below the price, quality 44 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

SB SR Bancorp, Inc. logo Broad data Nov 4, 2026

SR Bancorp, Inc.

SRBK · US
Expensive, weak quality

Our calculation puts a fair price 20% below what the stock costs today.

Healthy Growth (revenue 5y +28.9 %/yr in USD)
Solidly profitable · 10.2% net margin (TTM)
1.1% dividend yield · Low payout
Broad data
Quality 44/100
Insiders bought $14,548 (6M)
Profit last quarter 53% below a year ago.
Fair value $15.07 · Overvalued
Trails peers (1/14)
Narrow moat 34/100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$20.32 $7.84 Fair Value $15.07 Sep 2023 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

38‑month range $7.84 – $20.32 · fair‑value band $13.47 – $16.24 · the $18.95 price screens above the $15.07 fair value. As of Nov 4, 2026.

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Company profile

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.

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The company provides 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 offers 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.

Stock analysis

SR Bancorp, Inc. (SRBK) currently trades at $18.95, while our model-based Fair Value estimate is $15.07, 20% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $17.96 per share, and 1 of the 6 models we run sit above the $18.95 price.

Bear case: the Dividend Discount group reads lowest at $2.96, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $13.47 (bear) to $16.24 (bull), the price of $18.95 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

SR Bancorp, Inc. Common stock reported revenue of $51.3M in FY2026 versus $14.8M in FY2022, a compound +36.5%/yr. Reported net income was $3.4M in FY2026, compounding +15.7%/yr from FY2022.

Key figures

Market cap $141M Micro · P/E ratio 42.1 · P/S ratio 4.28 · EPS (TTM) $0.4500 · Dividend yield 1.1% · Net margin 10.2% · Return on equity 1.8% · Return on assets (EBIT) 0.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 34 out of 100 (medium confidence).

What moves the price

The share trades about 7% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −20%, SRBK screens cheaper than that median.

Fair Value models

Bear $13.47 Fair Value $15.07 Bull $16.24
Price $18.95 · Downside -20.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($0.0868 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $14.54 $15.07 $16.24 76
Gordon GGM $1.74 $3.07 $4.14 68
DDM Multi-Stage $1.74 $2.84 $3.28 67
All 6 models by family
Dividend Discount
Gordon GGM $1.74 $3.07 $4.14 68
DDM Multi-Stage $1.74 $2.84 $3.28 67
Multiples
P/E Multiple $4.48 $5.97 $7.46 63
P/B Multiple $22.46 $29.95 $37.44 55
Asset-Based
NCAV (Graham) $10.70 $14.33 $21.39 54
Economic Profit
Residual Income $14.54 $15.07 $16.24 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 44/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 16
How much profit the company makes from its sales and capital
Quality Growth 28
Are margins and returns getting better?
Cashflow 88
Do the profits arrive as real cash?
Financial strength 1
Debt, balance sheet and risk of trouble
Investment 43
Does it invest with discipline instead of growing at any price?
Low Volatility 92
How calm the share price moves, does not count
Price momentum 50
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 70
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $14,548, most recently on Aug 14, 2026. Buying cluster

  • BuyRobert Kenneth MustardDirector5× since Nov 26, 2025: 1,500 shares, avg. $16.52$24,781Aug 14, 2026
  • BuyChristopher J PribulaPresident and CEO, Director2× since Nov 24, 2025: 1,500 shares, avg. $16.39$24,585Jun 15, 2026
  • BuyHarris M FaqueriSVP and CFO3,000 shares at $16.40$49,200Mar 16, 2026
  • BuyMary E DaveyDirector320 shares at $16.31$5,219Mar 6, 2026
  • BuyNeil C ViottoEVP and COO1,000 shares at $16.83$16,829Mar 3, 2026
  • BuyThomas LupoDirector1,000 shares at $16.47$16,470Feb 23, 2026
  • BuyWilliam P TaylorCEO, Director1,000 shares at $15.48$15,475Dec 2, 2025

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+43.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.9%
Start year 2021 (pandemic)
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+23.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+22.4%
Dividend (yield on the price)1.1%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 8%

SRBK screens overvalued: fair value 20% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 1/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 44 · Bottom 25%
Fair Value upside −20.5% · Below median
Profitability
Return on equity (12 months) 1.8% · Bottom 25%
Return on assets 0.3% · Bottom 25%
Net margin (12 months) 10.2% · Bottom 25%
Operating margin (12 months) 16.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 9.0% · Below median
Dividend yield (12 months) 1.1% · Bottom 25%
Balance sheet
Debt / equity 0.36× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 42.1× · Priciest 25%
P/B 0.77× · Cheapest 25%
P/S (12 months) 4.28× · Pricier than median
Price / free cash flow (fiscal year) 14.3× · Pricier than median
EV/EBITDA 41.3× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)6 · sector 8
FUTURE (revenue growth)45 · sector 47
PAST (return on equity)7 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)22 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs SRBK
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs SRBK
BNP Paribas SA BNP €91.93 €106.01 +15% vs SRBK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs SRBK
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs SRBK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs SRBK
Mizuho Financial Group MFG $9.40 $5.89 −37% vs SRBK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs SRBK
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs SRBK
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs SRBK

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SR Bancorp, Inc. Common stock: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "SR Bancorp, Inc. Common stock Fair Value". https://www.fairvalue-calculator.com/stock/SRBK

Frequently asked questions

Is SR Bancorp, Inc. (SRBK) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $15.07 versus a price of $18.95, about 20% lower (overvalued).
What is the fair value of SRBK?
Our model-based fair value for SR Bancorp, Inc. is $15.07 (as of Nov 4, 2026), built from audited fundamentals. The current price: $18.95.
What is the quality score of SRBK?
SR Bancorp, Inc. has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for SR Bancorp, Inc. (SRBK)?
Our model-based price target is the fair value of $15.07 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario $13.47, optimistic scenario $16.24. It is a calculation from audited fundamentals, not an analyst target.
What is the SR Bancorp, Inc. Common stock stock forecast for 2026?
Our models put fair value at $15.07, about 20% lower versus a price of $18.95 (overvalued). Cautious scenario $13.47, optimistic scenario $16.24. The calculation is refreshed regularly with new filings.
What is the revenue of SR Bancorp, Inc. (SRBK)?
SR Bancorp, Inc. reported trailing-twelve-month revenue of about $32.9M (latest available figure, as of Nov 4, 2026).
Does SR Bancorp, Inc. Common stock pay a dividend?
SR Bancorp, Inc. currently shows a dividend yield of 1.11% relative to its recent price (as of Nov 4, 2026).
How much is the dividend of SR Bancorp, Inc. (SRBK) and when is the ex-dividend date?
SR Bancorp, Inc. pays a dividend of $0.21 per share a year, a dividend yield of 1.1%. The last ex-dividend date was Sep 30, 2026. The payout ratio is 46.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of SR Bancorp, Inc. (SRBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SR Bancorp, Inc. it is $15.07 per share (as of Nov 4, 2026), against a price of $18.95. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is SR Bancorp, Inc. Common stock stock overvalued or undervalued in 2026?
As of Nov 4, 2026, SRBK trades above its calculated fair value: price $18.95, fair value $15.07, a gap of about −20% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SRBK?
No. The price is what the market pays today ($18.95); the fair value is what the company's own numbers justify ($15.07). For SR Bancorp, Inc. the two are $3.88 per share apart. That gap is exactly why we show both numbers side by side.
How much is SR Bancorp, Inc. Common stock worth?
The market values SR Bancorp, Inc. at about $141M (market capitalisation, as of Nov 4, 2026). Per share that is $18.95; our models calculate a fair value of $15.07 per share.
What do the bullish and bearish scenarios say about SRBK?
Our models span a range for SR Bancorp, Inc.: cautious scenario $13.47, base $15.07, optimistic $16.24 per share (as of Nov 4, 2026, price $18.95). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SRBK?
SR Bancorp, Inc. trades at a price-to-earnings ratio of 42.1 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.07 is built from several models across several years. Other multiples: P/B 0.8, P/S 4.3, EV/EBITDA 41.3.
How solid is the balance sheet of SR Bancorp, Inc. (SRBK)?
Balance-sheet figures for SR Bancorp, Inc. (as of Nov 4, 2026): return on equity 1.8%, debt of 0.36 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is SRBK from its 52-week high?
SR Bancorp, Inc. trades at $18.95, about 7% below its 52-week high of $20.32 and 29% above the low of $14.74 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $15.07 is for.
Which stocks are comparable to SR Bancorp, Inc. Common stock?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is SR Bancorp, Inc. Common stock stock attractive at the current price?
The data as of Nov 4, 2026: price $18.95, calculated fair value $15.07 (−20%), Quality Score 44/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SRBK calculated?
We run SR Bancorp, Inc. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $15.07 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. SR Bancorp, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of SR Bancorp, Inc. (SRBK)?
The closing price on Nov 6, 2026 was $18.95. Our model-based fair value is $15.07, about 20% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SR Bancorp, Inc. Common stock right now?
The price sits above even our optimistic bull case ($16.24). The favourable scenario is already priced in. Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of SR Bancorp, Inc.

How large is the market capitalisation of SR Bancorp, Inc. (SRBK)?
The market capitalisation of SR Bancorp, Inc. is $141M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of SR Bancorp, Inc. (SRBK)?
The price-to-sales ratio of SR Bancorp, Inc. is 4.28 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SR Bancorp, Inc. (SRBK)?
Earnings per share at SR Bancorp, Inc. are $0.4500 (price ÷ EPS = P/E 42.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SR Bancorp, Inc. (SRBK)?
The dividend yield of SR Bancorp, Inc. is 1.1% (payout 46.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of SR Bancorp, Inc. (SRBK)?
The net margin of SR Bancorp, Inc. is 10.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of SR Bancorp, Inc. (SRBK)?
The return on equity (ROE) of SR Bancorp, Inc. is 1.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SR Bancorp, Inc. (SRBK)?
On an EBIT basis the return on assets of SR Bancorp, Inc. is 0.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of SR Bancorp, Inc. (SRBK)?
The operating margin of SR Bancorp, Inc. is 16.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SR Bancorp, Inc. (SRBK)?
Revenue at SR Bancorp, Inc. is growing +9.0% versus a year earlier (3y avg +43.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SR Bancorp, Inc. (SRBK)?
Earnings per share at SR Bancorp, Inc. are growing −52.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SR Bancorp, Inc. (SRBK) generate?
The free cash flow of SR Bancorp, Inc. is $9.9M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does SR Bancorp, Inc. (SRBK) carry?
The net debt of SR Bancorp, Inc. is $63.9M (fiscal year 2026, ≈ 6.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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