SRBK
SR Bancorp, Inc.16.56
-0.34-2.01%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
133.17MP/E (TTM)
30.67Basic EPS (TTM)
0.54Dividend Yield
0.01%Recent Filings
8-K
8-K
10-Q
8-K
Q3 profit drops amid growth
SR Bancorp reported Q3 net income of $693,000, down 49.3% from $1.4 million a year ago, as accretion income from the 2023 Regal Bank acquisition dropped to $303,000 from $1.0 million. Assets grew 2.4% to $1.11 billion, fueled by $29.2 million in net loan expansion to $826.4 million and $23.6 million in deposits to $869.6 million, while borrowings rose $5.0 million for liquidity. Net interest margin slipped 16 basis points to 3.05%, squeezed by higher deposit costs. Profit fell sharply.
10-K
FY2025 results
SR Bancorp capped FY2025 with solid asset growth, pushing total assets to $1.08B amid a 6.2% y/y rise, fueled by $65.3M in net loan expansion to $797.2M—residential mortgages up 8.3% and multi-family loans surging 21.8%—while deposits climbed 4.8% to $846.0M. Q4 momentum shone through sequential loan gains and zero non-performers, underscoring pristine asset quality with no delinquencies over 90 days. Net interest income edged up 0.7% to $29.6M annually, but margins slipped 26bps to 2.93% as deposit costs outpaced asset yields; noninterest income soared on $1.5M life insurance gains. Liquidity stayed robust at 6.8% of deposits, bolstered by $30M FHLB borrowing, while $11.3M in buybacks trimmed equity to $193.8M. Yet local real estate slumps could crimp quarterly loan values.
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