SR Bancorp, Inc. Common stock (SRBK) - Net Assets
Based on the latest financial reports, SR Bancorp, Inc. Common stock (SRBK) has net assets worth $188.45 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.14 Billion) and total liabilities ($954.51 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check SR Bancorp, Inc. Common stock (SRBK) asset resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $188.45 Million |
| % of Total Assets | 16.49% |
| Annual Growth Rate | 12.28% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 27.95 |
SR Bancorp, Inc. Common stock - Net Assets Trend (2021–2025)
This chart illustrates how SR Bancorp, Inc. Common stock's net assets have evolved over time, based on quarterly financial data. Also explore SR Bancorp, Inc. Common stock total assets for the complete picture of this company's asset base.
Annual Net Assets for SR Bancorp, Inc. Common stock (2021–2025)
The table below shows the annual net assets of SR Bancorp, Inc. Common stock from 2021 to 2025. For live valuation and market cap data, see how much is SR Bancorp, Inc. Common stock worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | $193.78 Million | -2.86% |
| 2024-06-30 | $199.48 Million | +63.40% |
| 2023-06-30 | $122.08 Million | +3.26% |
| 2022-06-30 | $118.23 Million | -3.04% |
| 2021-06-30 | $121.94 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to SR Bancorp, Inc. Common stock's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 2.6% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $120.50 Million | 62.19% |
| Common Stock | $89.00K | 0.05% |
| Other Comprehensive Income | $-1.00 Million | -0.52% |
| Other Components | $74.19 Million | 38.28% |
| Total Equity | $193.78 Million | 100.00% |
SR Bancorp, Inc. Common stock Competitors by Market Cap
The table below lists competitors of SR Bancorp, Inc. Common stock ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SciVision Biotech Inc
TW:1786
|
$135.56 Million |
|
Hiap Teck Venture Bhd
KLSE:5072
|
$135.60 Million |
|
Waterco Ltd
AU:WAT
|
$135.60 Million |
|
Lindsell Train Investment Trust Plc
LSE:LTI
|
$135.60 Million |
|
BARK, Inc.
NYSE:BARK
|
$135.54 Million |
|
Comet Ridge Ltd
AU:COI
|
$135.45 Million |
|
Rhinebeck Bancorp Inc
NASDAQ:RBKB
|
$135.42 Million |
|
China Glaze Co Ltd
TW:1809
|
$135.25 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in SR Bancorp, Inc. Common stock's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 199,483,000 to 193,780,000, a change of -5,703,000 (-2.9%).
- Net income of 5,136,000 contributed positively to equity growth.
- Dividend payments of 444,000 reduced retained earnings.
- Share repurchases of 11,324,000 reduced equity.
- Other comprehensive income increased equity by 215,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $5.14 Million | +2.65% |
| Dividends Paid | $444.00K | -0.23% |
| Share Repurchases | $11.32 Million | -5.84% |
| Other Comprehensive Income | $215.00K | +0.11% |
| Other Changes | $714.00K | +0.37% |
| Total Change | $- | -2.86% |
Book Value vs Market Value Analysis
This analysis compares SR Bancorp, Inc. Common stock's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.81x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.45x to 0.81x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-06-30 | $12.83 | $18.61 | x |
| 2022-06-30 | $12.43 | $18.61 | x |
| 2023-06-30 | $12.84 | $18.61 | x |
| 2024-06-30 | $29.19 | $18.61 | x |
| 2025-06-30 | $22.95 | $18.61 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently SR Bancorp, Inc. Common stock utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 2.65%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.26%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 5.60x
- Recent ROE (2.65%) is above the historical average (0.22%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | 1.03% | 8.69% | 0.02x | 5.24x | $-10.94 Million |
| 2022 | 1.58% | 12.66% | 0.02x | 5.49x | $-9.95 Million |
| 2023 | 1.27% | 8.93% | 0.03x | 5.34x | $-10.66 Million |
| 2024 | -5.44% | -28.30% | 0.04x | 5.12x | $-30.81 Million |
| 2025 | 2.65% | 10.26% | 0.05x | 5.60x | $-14.24 Million |
Industry Comparison
This section compares SR Bancorp, Inc. Common stock's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $733,305,100
- Average return on equity (ROE) among peers: 7.75%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| SR Bancorp, Inc. Common stock (SRBK) | $188.45 Million | 1.03% | 5.07x | $135.54 Million |
| Ameris Bancorp (ABCB) | $804.48 Million | 9.14% | 8.77x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $112.55 Million | 10.67% | 9.38x | $5.70 Billion |
| ACNB Corporation (ACNB) | $277.46 Million | 11.42% | 7.72x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $182.82 Million | 9.36% | 8.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $490.54 Million | 9.62% | 9.86x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $753.45 Million | 5.71% | 10.20x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $334.39 Million | 12.21% | 10.03x | $601.02 Million |
| Associated Banc-Corp (ASB) | $4.17 Billion | 4.38% | 8.83x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $74.27 Million | 0.74% | 14.46x | $62.60 Million |
About SR Bancorp, Inc. Common stock
SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. The company provides deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand acco… Read more