SR Bancorp, Inc.(SRBK)Stock Analysis
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This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
SRBK Stock Analysis & AI Quality Score
AI stock analysis and institutional research for SR Bancorp, Inc. (SRBK), a Financials sector company. SRBK is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q3 2026), SR Bancorp, Inc. reports quarterly revenue of $8.4M, net income of $886.0K, free cash flow of $1.9M. Top institutional holders of SRBK by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, Saber Capital Managment,, based on the most recent SEC filings. SRBK trades on the Nasdaq exchange and files with the SEC under CIK 1951276. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SRBK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SR Bancorp, Inc. directly from SEC EDGAR.
Revenue
Q3 2026
$8.4M
Net Income
Q3 2026
$886.0K
Free Cash Flow
Q3 2026
$1.9M
ROIC
Q3 2026
0.5%
D/E Ratio
Q3 2026
0.27
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
-680.4% YoYEPS (Diluted)
Total Assets
+57.4% YoYTotal Debt
Op. Cash Flow
-268.0% YoY| Metric | FY 2024 | FY 2022 | FY 2021 |
|---|---|---|---|
| Net Income | $-10.9M -680.4% | $1.9M | — |
| EPS (Diluted) | $-1.59 | — | — |
| Total Assets | $1.02B +57.4% | $648.6M | — |
| Total Debt | $0.00 | — | — |
| Operating Cash Flow | $-1.7M -268.0% | $1.0M | — |
AI Insight: SRBK Financial Trends
SR Bancorp debt surged 150% to $50M while profitability remains near-flat and equity eroded; leverage inflection signals stress.
• Total debt jumped from $20M in Q2 2024 to $50M in Q4 2025–Q1 2026, a 150% increase over 18 months.
• Equity declined steadily from $201M in Q3 2024 to $184M in Q1 2026, a 8.5% contraction.
• Net income remained micro-scale ($1–2M quarterly) with no growth trajectory; operating cash flow ranged $1–5M.
⚠ Debt-to-equity ratio nearly doubled from 0.10x (Q2 2024) to 0.27x (Q1 2026); monitor covenant compliance.
⚠ Operating cash flow volatility and profitability stagnation limit debt-servicing capacity amid rising leverage.
AI Insight: SRBK Ratio Trends
SR Bancorp stabilized after Q2 2025 peak, but profitability remains sub-1% ROA with rising leverage creeping toward 0.27.
• ROE recovered to 1.9% in Q1 2026 from 1.4% trough in Q3 2025; ROIC similarly stabilized at 2.0%.
• Debt-to-equity climbed from 0.10 in mid-2024 to 0.27 by Q1 2026, doubling leverage over 18 months.
• ROA remained flat at 0.3–0.4% through Q1 2026, indicating persistent asset-generation weakness.
⚠ Q2 2025 spike (ROE 4.6%, ROIC 4.3%) was not sustained; reversion suggests one-time gain or seasonal anomaly.
⚠ D/E ratio at 0.27 now ties TTM level; continued leverage creep could compress returns if profitability doesn't accelerate.
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13F Pro tracks comprehensive data for SR Bancorp, Inc. including:
Top Institutional Holders of SRBK
BlackRock, Inc.
$7.7M458,953 shVANGUARD CAPITAL MANAGEMENT LLC
$6.2M366,956 shSaber Capital Managment, LLC
$3.9M232,999 shRENAISSANCE TECHNOLOGIES LLC
$3.0M180,300 shMANGROVE PARTNERS IM, LLC
$2.9M170,402 shGEODE CAPITAL MANAGEMENT, LLC
$2.7M162,445 shDIMENSIONAL FUND ADVISORS LP
$1.5M91,104 shSTATE STREET CORP
$1.4M83,286 shCovalent Partners LLC
$1.0M60,000 shNORTHERN TRUST CORP
$849.9K50,350 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $7.7M | 458,953 |
| VANGUARD CAPITAL MANAGEMENT LLC | $6.2M | 366,956 |
| Saber Capital Managment, LLC | $3.9M | 232,999 |
| RENAISSANCE TECHNOLOGIES LLC | $3.0M | 180,300 |
| MANGROVE PARTNERS IM, LLC | $2.9M | 170,402 |
| GEODE CAPITAL MANAGEMENT, LLC | $2.7M | 162,445 |
| DIMENSIONAL FUND ADVISORS LP | $1.5M | 91,104 |
| STATE STREET CORP | $1.4M | 83,286 |
| Covalent Partners LLC | $1.0M | 60,000 |
| NORTHERN TRUST CORP | $849.9K | 50,350 |
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Is SRBK a good stock to buy?
13F Pro's AI-powered analysis of SR Bancorp, Inc. (SRBK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SRBK are available on the SRBK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own SRBK?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SRBK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SR Bancorp, Inc.'s investment landscape.