SR Bancorp, Inc. Common stock (SRBK) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+369.2%

$90.28

vs $19.24 price

Levered DCF

$9.21

After debt service

Piotroski score

7 / 9

Strong

Altman Z-score

-0.53

Distress zone

Rating

C+

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020
P/E	43.73×	22.13×	-5.79×	58×	46.4×	71.38×
P/B	0.77×	0.59×	0.32×	0.72×	0.75×	0.72×
P/S	2.74×	2.27×	1.64×	5.08×	5.97×	6.13×
EV / EBITDA	42.82×	10.54×	-2.02×	29.95×	20.12×	17.05×
Gross margin	63.3%	66.3%	59.5%	86.0%	89.6%	83.2%
Operating margin	7.5%	12.2%	-30.7%	10.4%	15.1%	9.7%
Net margin	6.5%	10.3%	-28.3%	8.9%	12.7%	8.7%
Current ratio	326.21×	0.07×	0.06×	0.16×	0.16×	0.21×
Debt / equity	0.37×	0.17×	0.01×	0.16×	0×	0×
Interest coverage	0.21×	0.37×	-1.02×	0.74×	1.46×	0.58×
Dividend yield	1.2%	0.4%	0.0%	0.0%	0.0%	0.0%
Payout ratio	50.4%	8.6%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020
Return on equity	1.8%	2.7%	-5.4%	1.3%	1.6%	1.0%
Return on invested capital	0.3%	2.2%	-5.1%	1.1%	1.5%	1.0%
Return on assets	0.3%	0.5%	-1.1%	0.2%	0.3%	0.2%
Free cash flow yield	7.0%	3.7%	-4.5%	2.0%	0.8%	2.4%
Earnings yield	2.4%	4.5%	-17.3%	1.8%	2.1%	1.4%
Enterprise value	$204.6M	$89.3M	$19.4M	$65.8M	$52.9M	$31.5M
Net debt / EBITDA	13.38×	-2.9×	4.53×	-10.21×	-13.44×	-30.73×
Cash conversion cycle (days)	6,440	18	22	25	26	26