कंपनी का अवलोकन
SR Bancorp, Inc. operates as a holding company for Somerset Regal Bank, delivering comprehensive retail and commercial banking services to individuals, businesses, and local municipalities across Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. The entity functions within the broader Financial Services sector, specifically classified under the Banks - Regional industry, which characterizes its role in providing localized banking infrastructure rather than national-scale operations. With a market capitalization of $137.67M and an annual revenue of $31.75M, the company maintains a modest scale relative to large-cap financial institutions. This market cap and revenue profile indicates a small-cap regional bank with a focused operational footprint, employing 119 personnel to manage its portfolio of assets and liabilities within its specific geographic service areas.
वित्तीय स्वास्थ्य
The company reports a trailing twelve-month revenue of $31.75M and a net income of $4.28M, while EBITDA figures are not disclosed in the available data. The significant gap between the revenue of $31.75M and the net income of $4.28M reveals a substantial cost structure inherent to banking operations, where interest expense, operating costs, and provisions for loan losses consume the majority of top-line revenue. Although free cash flow is not explicitly reported as a standalone metric, the balance sheet shows a cash position of $81.84M against total debt of $52.78M, suggesting strong liquidity reserves. The gross margin is recorded at 0.0%, which is standard for financial institutions as interest income and interest expense are netted out before arriving at operating income, while the operating margin stands at 14.5% and the profit margin is 13.5%. These margin levels indicate that the company retains a healthy portion of its revenue after covering operating expenses and interest costs. The cash balance of $81.84M exceeds the total debt of $52.78M, indicating a conservative balance sheet posture rather than a highly leveraged one, though the debt-to-equity ratio is not provided for specific analysis. Furthermore, the current ratio and debt-to-equity ratio are not available in the dataset, so specific commentary on short-term liquidity via the current ratio is omitted, but the absolute cash position remains a key indicator of solvency. Return on Equity stands at 2.2% and Return on Assets at 0.4%, metrics that reveal the management's effectiveness in generating profits relative to the shareholders' equity and the total asset base respectively.
मूल्यांकन आकलन
The trailing twelve-month P/E ratio is 32.41, while the forward P/E is projected at 21.34. The substantial difference between the trailing P/E of 32.41 and the forward P/E of 21.34 implies that the market expects a significant improvement in earnings trajectory over the coming year, potentially driven by net interest margin expansion or cost efficiency initiatives. The price-to-book ratio is 0.70, indicating that the stock is trading at a discount to its tangible book value, which suggests the market may be pricing in higher credit risks or lower growth prospects compared to peers. The price-to-sales ratio is 4.34, and since EV/EBITDA is not available, these alternative metrics suggest that the valuation is heavily weighted toward revenue generation rather than cash flow or earnings multiples. The 52-week high is $18.04 and the 52-week low is $11.65, meaning the current price sits somewhere within this historical range, reflecting recent market volatility. The beta value is 0.49, which indicates that the stock's price volatility is significantly lower than the broader market, offering a defensive characteristic often found in small-cap regional banks.
Growth & Income
Revenue growth year-over-year is 6.0%, whereas earnings growth year-over-year is -7.5%, indicating that earnings are currently growing slower than revenue due to a decline in profitability despite top-line expansion. The dividend yield is 1.1%, and the payout ratio is 37.0%, which suggests that the dividend is sustainable given the current earnings generation, as less than half of the net income is distributed to shareholders. Since the company maintains a positive payout ratio, it is not purely reinvesting all earnings but rather balancing shareholder returns with internal capital needs. The overall growth and income profile reflects a stable but declining earnings trend paired with a modest dividend yield and a low-beta defensive stock characteristic.