SR Bancorp, Inc.
SRBK Nasdaq Savings Institutions, Not Federally Chartered Financials FY2022–FY2026
Revenue
Total sales reported in the income statement.
$33.4M
0.4%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
85.1%
3.9 pts
Net income
Profit after all expenses, interest and tax.
$3.4M
34.7%
Return on equity
Net income as a share of average shareholders' equity.
1.8%
0.8 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $0.44 EPS (TTM)
What SR Bancorp, Inc. does
No business description yet.
- Legal name
- SR Bancorp, Inc.
- Fiscal year ends
- June 30, 2026
- Latest annual report
- 10-K · Sep 25, 2026
- Accession · CIK
- 0001437749-26-031222
0001951276
Revenue and margins
SR Bancorp, Inc. had $33.4M of revenue in fiscal 2026, up 0.4% on the year before.
FY22
Revenue $13.2M
FY23
Revenue $15.0M
FY24
Revenue $29.4M
FY25
Revenue $33.3M
FY26
Revenue $33.4M
Q1 '24
Revenue $4.7M
Q2 '24
Revenue $9.4M
Q3 '24
Revenue $8.8M
Q4 '24
Revenue $7.9M
Q1 '25
Revenue $8.4M
Q2 '25
Revenue $7.9M
Q3 '25
Revenue $7.7M
Q4 '25
Revenue $9.3M
Q1 '26
Revenue $8.2M
Q2 '26
Revenue $8.4M
Q3 '26
Revenue $8.4M
Q4 '26
Revenue $8.6M
FY22
Net interest share 89.8%
Efficiency ratio 83.1%
FY23
Net interest share 91.5%
Efficiency ratio 87.9%
FY24
Net interest share 100.0%
Efficiency ratio 117.7%
FY25
Net interest share 88.8%
Efficiency ratio 81.2%
FY26
Net interest share 93.4%
Efficiency ratio 85.1%
Net interest share
Efficiency ratio
Q1 '24
Net interest share 89.0%
Efficiency ratio 277.7%
Q2 '24
Net interest share 96.1%
Efficiency ratio 79.7%
Q3 '24
Net interest share 94.1%
Efficiency ratio 86.2%
Q4 '24
Net interest share 100.0%
Efficiency ratio 83.1%
Q1 '25
Net interest share 90.5%
Efficiency ratio 81.2%
Q2 '25
Net interest share 92.0%
Efficiency ratio 82.7%
Q3 '25
Net interest share 93.0%
Efficiency ratio 91.4%
Q4 '25
Net interest share 81.0%
Efficiency ratio 71.5%
Q1 '26
Net interest share 93.1%
Efficiency ratio 86.9%
Q2 '26
Net interest share 93.1%
Efficiency ratio 86.4%
Q3 '26
Net interest share 93.5%
Efficiency ratio 85.0%
Q4 '26
Net interest share 93.9%
Efficiency ratio 82.2%
Net interest share
Efficiency ratio
Net income and earnings per share
Loss periods are shown in red.
FY22
Net income $1.9M
FY23
Net income $1.6M
FY24
Net income −$10.9M
FY25
Net income $5.1M
FY26
Net income $3.4M
Q1 '24
Net income −$10.5M
Q2 '24
Net income $1.6M
Q3 '24
Net income $1.1M
Q4 '24
Net income −$3.0M
Q1 '25
Net income $1.4M
Q2 '25
Net income $1.0M
Q3 '25
Net income $0.5M
Q4 '25
Net income $2.2M
Q1 '26
Net income $0.7M
Q2 '26
Net income $0.8M
Q3 '26
Net income $0.9M
Q4 '26
Net income $0.9M
FY22
Diluted EPS —
FY23
Diluted EPS —
FY24
Diluted EPS −$1.59
FY25
Diluted EPS $0.61
FY26
Diluted EPS $0.44
Q1 '24
Diluted EPS −$10.03
Q2 '24
Diluted EPS $0.18
Q3 '24
Diluted EPS $0.12
Q4 '24
Diluted EPS $8.14
Q1 '25
Diluted EPS $0.16
Q2 '25
Diluted EPS $0.12
Q3 '25
Diluted EPS $0.06
Q4 '25
Diluted EPS $0.27
Q1 '26
Diluted EPS $0.09
Q2 '26
Diluted EPS $0.11
Q3 '26
Diluted EPS $0.12
Q4 '26
Diluted EPS $0.12
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY22
ROE 1.6%
ROTE 1.6%
Efficiency ratio 83.1%
FY23
ROE 1.3%
ROTE 1.3%
Efficiency ratio 87.9%
FY24
ROE −6.8%
ROTE −6.1%
Efficiency ratio 117.7%
FY25
ROE 2.6%
ROTE 3.1%
Efficiency ratio 81.2%
FY26
ROE 1.8%
ROTE 2.1%
Efficiency ratio 85.1%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
SR Bancorp, Inc. returned $17.7M to shareholders in fiscal 2026, 179% of free cash flow. The diluted share count fell 9.6%.
FY22
Dividends —
Buybacks —
FY23
Dividends —
Buybacks —
FY24
Dividends —
Buybacks —
FY25
Dividends $0.4M
Buybacks $11.3M
FY26
Dividends $1.7M
Buybacks $16.0M
Dividends
Buybacks
Q1 '24
Dividends —
Buybacks —
Q2 '24
Dividends —
Buybacks —
Q3 '24
Dividends —
Buybacks —
Q4 '24
Dividends —
Buybacks —
Q1 '25
Dividends $0.0M
Buybacks $0.7M
Q2 '25
Dividends $0.0M
Buybacks $3.2M
Q3 '25
Dividends $0.0M
Buybacks $3.4M
Q4 '25
Dividends $0.4M
Buybacks $4.0M
Q1 '26
Dividends $0.4M
Buybacks $2.9M
Q2 '26
Dividends $0.4M
Buybacks $4.1M
Q3 '26
Dividends $0.4M
Buybacks $5.0M
Q4 '26
Dividends $0.5M
Buybacks $4.0M
Dividends
Buybacks
FY22
Diluted shares —
FY23
Diluted shares 0.00B
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
FY26
Diluted shares 0.01B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY22
Loans $335M
Deposits $522M
FY23
Loans $362M
Deposits $504M
FY24
Loans —
Deposits $807M
FY25
Loans $797M
Deposits $846M
FY26
Loans $901M
Deposits $926M
Loans
Deposits
| Fiscal year end | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Loans, net | $335M | $362M | — | $797M | $901M |
| Deposits | $522M | $504M | $807M | $846M | $926M |
| Loans / deposits | 64.1% | 71.9% | — | 94.2% | 97.3% |
| Total assets | $649M | $651M | $1.0B | $1.1B | $1.2B |
| Shareholders' equity | $118M | $122M | $199M | $194M | $182M |
| Goodwill | — | — | $20.4M | $20.4M | $20.4M |
| Intangible assets | — | — | — | $6.3M | $5.1M |
| Provision / loans | 0.0% | 0.0% | — | 0.0% | 0.1% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
5 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Income statement | |||||
| Revenue | $13.2M | $15.0M | $29.4M | $33.3M | $33.4M |
| Net interest income | $11.9M | $13.7M | $29.4M | $29.6M | $31.2M |
| Noninterest income | $1.4M | $1.3M | — | $3.7M | $2.2M |
| Noninterest expense | $11.0M | $13.2M | $34.6M | $27.1M | $28.5M |
| Provision for credit losses | $0.0M | $0.0M | — | $0.1M | $0.6M |
| Interest expense | $1.5M | $2.4M | — | — | — |
| Pretax income | $2.2M | $1.8M | −$11.8M | $6.1M | $4.4M |
| Income tax | $0.4M | $0.3M | −$0.9M | $1.0M | $1.0M |
| Net income | $1.9M | $1.6M | −$10.9M | $5.1M | $3.4M |
| Diluted EPS | — | — | −$1.59 | $0.61 | $0.44 |
| Diluted shares | — | 0.00B | 0.01B | 0.01B | 0.01B |
| Cash flow | |||||
| Cash from operations | $1.0M | $2.3M | −$1.7M | $4.7M | $10.7M |
| Capital expenditure | $0.3M | $0.5M | $1.1M | $0.4M | $0.8M |
| Free cash flow | $0.7M | $1.8M | −$2.8M | $4.2M | $9.9M |
| Depreciation and amortization | $0.4M | $0.4M | $0.8M | $0.9M | $0.9M |
| Stock-based compensation | — | — | $0.5M | $1.1M | $2.1M |
| Share buybacks | — | — | — | $11.3M | $16.0M |
| Dividends paid | — | — | — | $0.4M | $1.7M |
| Dividends and buybacks | — | — | — | $11.8M | $17.7M |
| Balance sheet | |||||
| Cash and short-term investments | $35.3M | $42.4M | $45.9M | $57.8M | $71.5M |
| Total debt | — | $20.0M | $0.0M | $30.0M | — |
| Loans, net | $335M | $362M | — | $797M | $901M |
| Deposits | $522M | $504M | $807M | $846M | $926M |
| Property and equipment, net | $3.4M | $3.5M | $5.4M | $4.9M | $4.8M |
| Goodwill | — | — | $20.4M | $20.4M | $20.4M |
| Intangible assets | — | — | — | $6.3M | $5.1M |
| Total assets | $649M | $651M | $1.0B | $1.1B | $1.2B |
| Total liabilities | $530M | $529M | $821M | $893M | $1.0B |
| Preferred stock | — | — | — | $0.0M | $0.0M |
| Shareholders' equity | $118M | $122M | $199M | $194M | $182M |
| Margins | |||||
| Net margin | 14.1% | 10.4% | −37.0% | 15.4% | 10.0% |
| FCF margin | 5.3% | 12.1% | −9.7% | 12.7% | 29.5% |
| Net interest share of revenue | 89.8% | 91.5% | 100.0% | 88.8% | 93.4% |
| Efficiency ratio | 83.1% | 87.9% | 117.7% | 81.2% | 85.1% |
| Returns | |||||
| Return on equity | 1.6% | 1.3% | −6.8% | 2.6% | 1.8% |
| Return on assets | 0.3% | 0.2% | −1.3% | 0.5% | 0.3% |
| Return on tangible equity | 1.6% | 1.3% | −6.1% | 3.1% | 2.1% |
| Growth | |||||
| Revenue growth | — | 12.9% | 96.4% | 13.4% | 0.4% |
| Net income growth | — | −17.0% | −799.3% | — | −34.7% |
| EPS growth | — | — | — | — | −27.9% |
| FCF growth | — | 154.8% | −257.5% | — | 133.5% |
| Share count change | — | — | — | 23.6% | −9.6% |
| Financial health | |||||
| Debt / equity | — | 0.2x | 0.0x | 0.2x | — |
| Loans / deposits | 64.1% | 71.9% | — | 94.2% | 97.3% |
| Provision / loans | 0.0% | 0.0% | — | 0.0% | 0.1% |
| Capital allocation | |||||
| Capex / revenue | 2.5% | 3.5% | 3.8% | 1.3% | 2.5% |
| Stock comp / revenue | — | — | 1.8% | 3.3% | 6.4% |
| Payouts / FCF | — | — | — | 278.1% | 179.2% |
| Quality scores | |||||
| Piotroski F-score | — | — | 3.0 | 4.0 | — |
| Accruals ratio | 0.1% | −0.1% | −1.1% | 0.0% | −0.6% |
Source: SEC EDGAR XBRL filings (CIK 0001951276). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.