SR BANCORP INC (SRBK)
Financials · regional banks · NASDAQ
SR Bancorp is a community-focused bank holding company providing residential and commercial lending, deposit services, and general banking solutions to individuals and businesses.
What SR BANCORP INC does
SR Bancorp, Inc. is a bank holding company that operates through its subsidiary, Somerset Savings Bank, a community-oriented financial institution. The company provides a variety of banking services to individuals and businesses, primarily focusing on residential and commercial real estate lending and deposit-taking activities. Its revenue is primarily generated from net interest income earned on loans and securities.
Themes: community banking, mortgage lending, commercial real estate lending, net interest income generation
Fundamentals
- Price$19.43 as of 2026-08-21 close
- Market cap$157M as of 2026-08-21
- 1-year return+34.4% 2025-08-21 close $14.46 → 2026-08-21 close $19.43
- P/E44.39 as of 2026-08-24
- Net margin+6.8% as of 2026-08-24
- ROE+1.8% as of 2026-08-24
- Debt / equity5.45 as of 2026-08-24
- Revenue growth (YoY)+7.3% as of 2026-08-24
- Beta0.57 as of 2026-08-24
- Last reported earnings2026-07-28 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.1%; at least 1 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How SRBK compares in its sector
- price-to-earnings ratiotop 10% 525 covered Financials peers, as of 2026-08-24
- net profit marginbottom 25% 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, SRBK's dividend was covered by reported results (earnings payout 9%, free-cash-flow payout 10%). This describes past coverage, not a forecast.
- Earnings payout9% dividends / net income
- Free-cash-flow payout10% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How SR BANCORP INC looks technically
SR BANCORP INC (SRBK) is trading 10.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 515 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 32, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 44, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative). It made a new 20-day high about 8 trading days ago. Trading volume is unusually light — only about 49% of its 30-day average.
Trend
7
| Distance from the 200-day | it is trading 10.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +10.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $19.49 | $19.49 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $17.54 | $17.54 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 515 trading days ago — a "golden cross", a bullish long-term signal | 515 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 32, with buyers in control | 32.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 44, neither overbought (above 70) nor oversold (below 30) | 43.6 |
|---|---|---|
| Position in its 14-day range | it is trading right at the bottom of its 14-day range ($19.43 to $20.95) — its "stochastic" reading is 0 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 0.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $20.95 | $20.95 |
|---|---|---|
| From the 52-week high | it is 7.3% below its 52-week high (its highest price of the past year) | -7.3% |
| Above the 52-week low | it is 37.8% above its 52-week low (its lowest price of the past year) | +37.8% |
| Below the 52-week high | it is 7.3% below its highest point of the past year | 7.3% |
| Since a 20-day breakout | it made a new 20-day high about 8 trading days ago | 8 sessions |
| Since a 55-day breakout | it made a new 55-day high about 8 trading days ago | 8 sessions |
| All-time high | its highest closing price on record is $20.95 (set on 2026-08-14) | $20.95 |
| Given back of the 52-week move | over the past year its closes ranged ($14.36 to $20.38), and it has given back roughly a quarter of its rise from last year’s low — 16% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $16.47 to $16.66. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 15.8% |
| From the all-time high | it is 7.3% below its all-time high | -7.3% |
| Nearest price level | it is trading 3.6% above a support level at $18.73 — a price it turned at twice since 2026-07-08, most recently on 2026-07-21. Since 2024-08-21 it has 12 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -3.6% |
| All-time low | its lowest closing price on record is $8.01 (set on 2023-11-01) | $8.01 |
| Above the all-time low | it is 142.6% above its all-time low | +142.6% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 37th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.4498 between its high and its low — about 2.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.4498 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $19.18 and $20.54 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $19.18 – $19.86 – $20.54 |
| Typical daily range (% of price) | its price moves about 2.3% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.3% |
| Stretch from the 200-day average | it is trading 4.2 daily ranges above its 200-day average price (10.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 49% of its 30-day average | 0.49× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 4 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 4 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.4% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.3% |
|---|---|---|
| Gap filled | a 3.3% gap up opened on 2026-08-14 has been "filled" 5 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 5 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 2 sessions in a row, a -4.66% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 2 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 0.6 percentage points (the stock gained 1.7% while the market gained 2.3%) | -0.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 3.1 percentage points (the stock gained 6.2% while the market gained 3.1%) | +3.1% |
| vs market, 6 months | over the past 6 months this stock beat the market by 4.0 percentage points (the stock gained 15.1% while the market gained 11.1%) | +4.0% |
| vs market, 12 months | over the past 12 months this stock beat the market by 13.9 percentage points (the stock gained 34.4% while the market gained 20.5%) | +13.9% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, near the bottom of its 14-day range (oversold), trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.1% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.8% of the share price, which is taken to mean a barrier that gives way easily. | +0.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 7% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $18.11 — a volume-weighted average of daily closes over 155 sessions, not a true tick-by-tick VWAP. | +7.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-28 (its 8-K), so the typical buyer over that stretch is under water. That average is $19.92 — a volume-weighted average of daily closes over 19 sessions, not a true tick-by-tick VWAP. | -2.4% |
Price levels it has turned at before
SRBK last closed at $19.43 on 2026-08-21. Since 2024-08-21 it has turned at 12 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $18.73 | Support | 3.6% below the last close | turned there twice · 2026-07-08 to 2026-07-21 |
| $20.20 | Resistance | 4.0% above the last close | turned there twice · 2026-07-01 to 2026-07-17 |
| $17.98 | Support | 7.5% below the last close | turned there twice · 2026-02-10 to 2026-05-19 |
| $17.07 | Support | 12.2% below the last close | turned there three times · 2025-12-15 to 2026-04-16 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bearish (12/26/9) · in a strong, established uptrend (ADX) · At the bottom of its 14-day range (stochastic below 20) · Under water since its last earnings report (below the anchored VWAP) · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst EPS estimate for SRBK
- Consensus EPS estimate$0.17 next reporting period, as of 2026-08-08
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["interest rate risk affecting net interest margin","credit risk related to loan portfolio concentration in real estate","liquidity risk and dependence on interest-bearing deposit funding"]
What changed in the latest 10-Q
AI-assisted comparison of SRBK's 10-Q filed 2026-05-15 against the prior one filed 2026-02-13.
Management's Discussion & Analysis (MD&A)
The two filings could not be meaningfully compared for this section.
Risk Factors
- Added:
- Newer filing presents financial statements for nine-month period ended March 31, 2026, compared to older filing's six-month period ended December 31, 2025
- Newer filing includes Consolidated Statements of Income for nine months ended March 31, 2026 and 2025
- Newer filing includes comparative balance sheet dated March 31, 2026 versus June 30, 2025 in older filing's December 31, 2025 versus June 30, 2025
- Newer filing reports total assets of $1,143,450 thousand as of March 31, 2026
- Newer filing reports cash and due from banks of $4,662 thousand as of March 31, 2026
- Newer filing reports interest-bearing deposits at other banks of $59,019 thousand as of March 31, 2026
- Newer filing reports loans receivable net of allowance of $859,053 thousand as of March 31, 2026
- Newer filing reports total deposits of $894,340 thousand as of March 31, 2026
- Newer filing reports stockholders' equity of $184,450 thousand as of March 31, 2026
- Newer filing reports nine-month net income of $2,413 thousand for period ended March 31, 2026
- Newer filing reports nine-month total interest income of $36,721 thousand
- Newer filing reports nine-month total interest expense of $13,520 thousand
- Removed:
- Older filing's December 31, 2025 balance sheet data removed in newer filing
- Older filing's six-month period statement of income for December 31, 2025 and 2024 removed
- Older filing's six-month comprehensive income statement removed
- Older filing's December 31, 2025 statements of changes in stockholders' equity removed
- Reworded:
- Balance sheet caption changed from 'December 31, 2025 (Unaudited) and June 30, 2025' to 'March 31, 2026 (Unaudited) and June 30, 2025'
- Income statement caption changed from 'For the Three and Six Months Ended December 31, 2025 and 2024' to 'For the Three and Nine Months Ended March 31, 2026 and 2025'
- Comprehensive income statement caption changed from 'For the Three and Six Months Ended December 31, 2025 and 2024' to 'For the Three and Nine Months Ended March 31, 2026 and 2025'
- Notes:
- Newer filing represents a 10-Q for quarterly period ended March 31, 2026, while older filing was a 10-Q for period ended December 31, 2025; financial data is not directly comparable due to different reporting periods
- The comparison reflects a shift from six-month to nine-month reporting periods rather than substantive changes to the same period
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
2 open-market purchases and 0 open-market sales by insiders in the last 90 days.
- Last 30 days1 buy ($5053) · 0 sells — 1 buying insider
- Last 90 days2 buys ($14548) · 0 sells — 2 buying insiders
- Last 180 days7 buys ($85794) · 0 sells — 5 buying insiders
Cluster buying: 4 different insiders reported open-market purchases (SEC code P) of SRBK within a 30-day window between 2026-02-23 and 2026-03-16. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-14. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about SRBK's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding SRBK as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 742,803
- Reported value $12,542,669
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
SRBK had 254,656 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
SRBK had 3.14% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 8.72 days to cover at the same settlement.
- Reported short interest (shares) 254,656
- Short interest (% of shares outstanding) 3.14%
- Prior settlement (shares) 301,170
- Reported change -15.44%
- Days to cover (reported) 8.72
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Berkshire Hills Bancorp (BHLB)
- ConnectOne Bancorp
- Provident Financial Services (PFS)
- Valley National Bancorp (VLY)
- Peapack-Gladstone Financial (PGC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does SR BANCORP INC (SRBK) do?
SR Bancorp, Inc. is a bank holding company that operates through its subsidiary, Somerset Savings Bank, a community-oriented financial institution. The company provides a variety of banking services to individuals and businesses, primarily focusing on residential and commercial real estate lending and deposit-taking activities. Its revenue is primarily generated from net interest income earned on loans and securities.
What sector is SR BANCORP INC (SRBK) in?
SR BANCORP INC (SRBK) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does SRBK pay a dividend?
Yes — SR BANCORP INC (SRBK) pays a dividend, with an indicated yield of about 1.12% and at least 1 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are SR BANCORP INC's (SRBK) competitors?
Notable peers of SR BANCORP INC (SRBK) include Berkshire Hills Bancorp, ConnectOne Bancorp, Provident Financial Services, Valley National Bancorp and Peapack-Gladstone Financial. This peer set is informational only — not financial advice.
Is SR BANCORP INC (SRBK) overbought or oversold right now?
SR BANCORP INC (SRBK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 44, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on SRBK come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.