SRBK · NASDAQ · Banks - Regional

SR Bancorp (SRBK)

Holding company for a New Jersey commercial bank serving local consumers, businesses and municipalities.

$19.66
At close+0.16 (+0.82%)
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SR Bancorp, Inc. Common stockSRBKFinancials

Owns Somerset Regal Bank, a community bank serving consumers, businesses and municipalities across central and northern New Jersey. Deposits gathered through local branches fund residential mortgage, commercial real estate, commercial and industrial, and consumer loans.

Owns Somerset Regal Bank, a New Jersey-chartered commercial bank with a branch-funded model in central and northern New Jersey. The bank serves individuals, businesses and local municipalities with retail and commercial banking services.

Deposit products include demand, savings, money market and certificate accounts, while lending spans residential mortgages, commercial real estate, multi-family, commercial and industrial, and consumer loans. Its loan book is tied mainly to real estate and business borrowers in the counties where it operates.

Built from an 1887 thrift predecessor and a 2023 conversion-merger with Regal Bank, the business emphasizes local relationship banking. Conditions in its market area, interest rates, real estate values and competition from banks, credit unions, fintech companies and mortgage lenders shape the operating base.

Company facts

CEOChristopher J. Pribula
ListedSep 20, 2023
ExchangeNASDAQ
HeadquartersBound Brook, NJ
CountryUnited States
Employees119
CIK0001951276
ISINUS85227J1060

Market cap$142.9M
EPS (ttm)$0.4474
P/E (ttm)43.94
ROE1.8%
P/B0.7731
P/S2.79
Dividend yieldDiv yield1.07%
Beta0.27vs XLF 0.42

No analyst consensus on record.

Next report
Oct 29, 2026
estimated · in 56 days
EPS estimate
$0.17
Revenue estimate
$9.0M
Fiscal quarter
Q1 FY26

EPSReportedEstimate

Apr '25Sep '25Oct '25Jan '26Apr '26Jul '26Jul '26Oct '26
Reported$0.06$0.27$0.09$0.09$0.11$0.12$0.12Pending
Estimate$0.09$0.11$0.10$0.13$0.13$0.17
Surprise0.0%−17.1%+10.0%−7.7%−7.7%

RevenueReportedEstimate

Apr '25Sep '25Oct '25Jan '26Apr '26Jul '26Jul '26Oct '26
Reported$12.0M$13.6M$8.2M$8.4M$8.4M$11.7M$8.6MPending
Estimate$8.2M$8.5M$8.5M$8.6M$8.6M$9.0M
Surprise−0.5%−1.5%−1.7%+36.2%−0.2%
Estimate$0.17
ReportedDue Oct 29, 2026
Estimate$9.0M
ReportedDue Oct 29, 2026
View details

Debt to equity37.30%
Current ratio32,621.40%

ProfitabilityRevenueNet incomeNet margin

Q1 FY24Q2 FY24Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25
Revenue$12.3M$12.2M$12.0M$13.6M$12.5M$12.9M$12.5M$13.4M
Net income$1.4M$1.0M$537.0K$2.2M$693.0K$834.0K$886.0K$940.0K
Net margin11.1%8.4%4.5%16.3%5.5%6.5%7.1%7.0%

GrowthOperating income

Q1 FY24Q2 FY24Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25
Operating income$1.7M$1.3M$626.0K$2.4M$895.0K$1.1M$623.0K$1.2M
YoY growth−33.3%−53.8%−48.3%−15.5%−0.5%−51.5%

Balance sheet, Jun 30, 2026Cash & short-term investments $3.8M · Total debt $67.8M · Total assets $1.19B · Shareholders' equity $181.8M

Revenue
$13.4M
Operating income
$1.2M
Net income
$940.0K
View details

Next ex-date
Sep 30, 2026
estimated · in 27 days
Annual dividend
$0.21
per share
Dividend yield
1.07%
Schedule
Quarterly
4 payments a year

Last raised to $0.06 from $0.05 in Jun 2026. To collect a payout, hold shares through the close before the ex-date.

History

Ex-dateRecordPaidAmountNote
Jun 30, 2026Jun 30Jul 15$0.06raised from $0.05
Mar 31, 2026Mar 31Apr 15$0.05
Dec 31, 2025Dec 31Jan 15$0.05
Sep 30, 2025Sep 30Oct 15$0.05
Jun 30, 2025Jun 30Jul 15$0.05
Mar 31, 2025Mar 31Apr 15$0.05
View details

Institutions78 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail≈ 34.31%2.78M shares
Insiders12 holders · as of Aug 17, 20268.10%655.9K shares
Otherremainder≈ 57.59%4.67M shares

8.10M company shares as of Sep 3, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing

Two share counts disagree (8.10M in the company's Sep 3, 2026 report, 7.27M elsewhere); stakes use the report.

This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesEvidence
Somerset Regal Bank Employee Stock Ownership Plan TrustInstitution
9.35%757,13713Gfiled Feb 17, 2026
BlackRock, Inc.Institution
6.14%497,08113Fas of Jun 30, 2026
Vanguard Capital Management LLCInstitution
3.69%298,85513Fas of Jun 30, 2026
David M. OrbachInsiderdirector, officer: Executive Chair
2.73%221,449Form 4filed Jan 30, 2026
Saber Capital Managment, LLCInstitution
2.57%208,55213Fas of Jun 30, 2026
See all 25

13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more · Form 4 — an insider's transaction report

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Aug 14, 2026Robert Kenneth Mustarddirector+250$20.21
Jun 15, 2026Christopher J. Pribuladirector, officer: President and CEO+500$18.99
Mar 16, 2026Harris M. Faqueriofficer: SVP and CFO+3,000$16.40
Mar 6, 2026Mary E. Daveydirector+320$16.31
Mar 3, 2026Neil C. Viottoofficer: EVP and COO+1,000$16.83
View details

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