SR Bancorp, Inc. (SRBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$18.72-1.68%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · SRBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 12.5% |
| Our one-year growth estimate | diamond | 16.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 4.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
SRBK — earnings miss
Dated 2026-10-26
Results of Operations and Financial Condition. On October 26, 2026, SR Bancorp, Inc., the holding company for Somerset Regal Bank, issued a press release reporting its financial results for the three months ended September 30, 2026. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in…
Why it matters: The board raised the dividend to $0.06 per share. Another payment at this level would show it has kept that cash payout in place.
Supportive ifThe board declares another quarterly dividend of at least $0.06 per share.
Worry ifThe board cuts the quarterly dividend below $0.06 per share or declares no dividend.
Why it matters: Loans grew with commercial and home loan demand. Slower growth could weaken the bank's main source of income.
Supportive ifNext quarter, net loans rise at least 5% from the prior quarter, with growth in commercial or home loans.
Worry ifNext quarter, net loans grow less than 2% from the prior quarter or fall.
Why it matters: The bank reported no non-performing loans and no charge-offs. New problem loans would mark a change in credit quality.
Worry ifThe next results release shows any non-performing loans or charge-offs.
Less concerning ifThe next results release reports no non-performing loans and no charge-offs.
Why it matters: The latest margin slipped to 3.03% from 3.05%. A further drop could show that deposit costs are eating into loan income.
Worry ifThe next reported net interest margin is below 3.00%.
Less concerning ifThe next reported net interest margin is 3.05% or higher.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$70 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $190 loss on $10,000 · 1.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,192 loss on $10,000 · 11.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.