SR Bancorp Inc. (SRBK) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-01, SR Bancorp Inc. (NASDAQ: SRBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $18.97 (+0.64% 1D, market cap $150.5M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, SRBK ranks #657 in composite RQD confidence.
Within the Financials sector (Banks), SRBK carries a Roarable D+ (57/100 RQD), trailing P/E of 29.3x, gross margin of —, and ROIC of 2.7%. By comparison, HYNE (Hoyne Bancorp Inc.) holds a D+ grade (53/100 RQD, P/E N/A, ROIC 0.1%, cap $153.7M) and WSBK (Winchester Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E N/A, ROIC -0.7%, cap $123.9M). Among the 5-stock peer group, ECBK leads on earnings multiple (24.0x) while ECBK leads on capital efficiency (4.5% ROIC).
Per SRBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001951276), SR Bancorp Inc. generated $0 in revenue, $5.1M in net income, and $4.2M in free cash flow against $1.14B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 69% of 52W Range • RSI-14 at 48.2 (NEUTRAL RANGE)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment
Even with a 57/100 (D+) score, SRBK faces multiple-compression risk if 29.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Company executives have done more routine share selling than personal cash buying lately.
Dilution & Margin Drag: Disciplined Float (-0.40% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($19.11) or 200D SMA ($18.44) invalidates the momentum regime and cuts Target Base ($18.88) toward Bear Floor ($14.73).
SR Bancorp Inc. (SRBK) advanced +0.64% to $18.97, trading at 69% of its 52-week range ($14.6 – $20.95). Stretched risk/reward at 29x P/E (3% return on capital) under elevated 10-year interest-rate pressure.
SR Bancorp, Inc. (the "Company") (NASDAQ: SRBK), the holding company for Somerset Regal Bank (the "Bank"), announced net income increased 54.1% to $1.1 million for the three months ended September 30, 2026, or $0.15 per
SR Bancorp (NASDAQ:SRBK) reported quarterly earnings of $0.15 per share which missed the analyst consensus estimate of $0.17 by 11.76 percent. This is a 66.67 percent increase over earnings of $0.09 per share from the
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on SRBK today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for SRBK. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, SR Bancorp Inc. (SRBK) ranks #657 by composite RQD confidence (57/100, grade D+) and #928 by equity capitalization ($150.5M). Within this direct 5-issuer industry benchmark cohort, ECBK leads on earnings valuation at 24.0x trailing P/E, while ECBK leads on capital efficiency and profitability with 4.5% ROIC and — gross margin. ECBK currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with SRBK at 57/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| SRBK
ACTIVE
SR Bancorp Inc. | D+ | 57/100 | 29.3x | — | 2.7% | +0.64% | $150.5M | Benchmark Subject |
| HYNE Hoyne Bancorp Inc. | D+ | 53/100 | — | — | 0.1% | +1.44% | $153.7M | /hyne-vs-srbk → |
| WSBK Winchester Bancorp Inc. | D+ | 53/100 | — | — | -0.7% | +0.41% | $123.9M | /wsbk-vs-srbk → |
| ECBK ECB Bancorp Inc. | C+ | 68/100 | 24.0x | — | 4.5% | +1.23% | $186.4M | /ecbk-vs-srbk → |
| BSBK Bogota Financial Corp. | D | 51/100 | 56.3x | — | 1.5% | -0.11% | $117.8M | /bsbk-vs-srbk → |
In its most recent audited fiscal period (FY2025, filed 2025-06-30), SR Bancorp Inc. (SRBK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $5.1M, operating cash flow of $4.7M, and free cash flow of $4.2M (+249.0% YoY). On the balance sheet, SRBK closed FY2025 with $1.14B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-06-30 | $0 | $5.1M | $4.7M | $4.2M | $1.14B | — |
| FY2024 (FY) | 2024-06-30 | $0 | -$10.9M | -$1.7M | -$2.8M | $1.06B | — |
| FY2023 (FY) | 2023-06-30 | $0 | $1.6M | $2.3M | $2.3M | — | — |
As of 2026-11-01, SR Bancorp Inc. (NASDAQ: SRBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $18.97 (+0.64% 1D, market cap $150.5M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, SRBK ranks #657 in composite RQD confidence.
Within the Financials sector (Banks), SRBK carries a Roarable D+ (57/100 RQD), trailing P/E of 29.3x, gross margin of —, and ROIC of 2.7%. By comparison, HYNE (Hoyne Bancorp Inc.) holds a D+ grade (53/100 RQD, P/E N/A, ROIC 0.1%, cap $153.7M) and WSBK (Winchester Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E N/A, ROIC -0.7%, cap $123.9M). Among the 5-stock peer group, ECBK leads on earnings multiple (24.0x) while ECBK leads on capital efficiency (4.5% ROIC).
Per SRBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001951276), SR Bancorp Inc. generated $0 in revenue, $5.1M in net income, and $4.2M in free cash flow against $1.14B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
SRBK last traded at $18.97 (+0.64% on volume of 69,005 shares), positioning the stock -0.73% below its 50-day simple moving average ($19.11) and +2.87% above its 200-day simple moving average ($18.44). Across its 52-week range of $14.60 to $20.95, SRBK sits at the 68.8% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.0% ($18.02 to $19.92).
Why SRBK Stock advanced +0.64% Today — RQD Quant Desk Flash. Stretched risk/reward at 29x P/E (3% return on capital) under elevated 10-year interest-rate pressure.
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