SRBK SR Bancorp, Inc. Common stock SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED Best Savings Institutions Stocks 2026 →

SR Bancorp (SRBK) Stock: Buy, Sell, or Hold?

$18.92
+0.02 (+0.11%) ▲
5d: -0.63% 30d: +1.28% 90d: -6.71%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (61%)
Quality Score
52/100
Position
SLIGHTLY HIGH
30-Day Fair Range
$18.48 – $19.01
Position: SLIGHTLY HIGH
Forward P/E & Valuation
33.2x FAIR
vs 32.3x historical avg
Wall Street Target
$19.00
+0.5% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$18.35 / $19.29
Trend: Downtrend
💡Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
â„šī¸ NEUTRAL: SRBK is fairly priced but lacks strong directional signals. At 0.8% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.

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Interactive Price Chart (1 Month)

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Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$19.97
Based on 7.0% avg growth
INTRINSIC VALUE TODAY
$12.40
Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: SRBK is currently trading at $18.92, which is considered slightly high relative to its 30-day fair value range of $18.48 to $19.01. The stock's valuation (Forward PE: 33.2) is in line with its historical norms (32.3). At these levels, the market is pricing in 0.8% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, SRBK is in a downtrend. The price is approaching resistance at $19.29. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: The stock scores a mixed 54/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position SLIGHTLY HIGH
Historical Trading Range $18.48 - $19.01
Company Quality Score 52/100 (HOLD)
Volume Confirmation HIGH
Confidence Score 61.4%

Trading Range & Key Levels

30-Day Trading Range $18.48 - $19.01
Current vs Trading Range SLIGHTLY HIGH
Support Level $18.35
Resistance Level $19.29
Current Trend Downtrend
Technical data as of Nov 11, 2026

Quantitative Signal Breakdown

  • NEUTRAL: Mixed technical signals (54/100)
  • BULLISH: High volume confirmation
  • NEUTRAL: Near Wall St target ($19.00)
  • NEUTRAL: Market pricing in 0.8% annual earnings growth - fairly valued
  • WARNING: Composite score 52/100 in the bottom quintile — this cohort historically lags the market

Fundamental Context

Forward P/E (Next Year Est.) 33.16
Wall Street Target $19.00 (+0.5%)
Revenue Growth (YoY) 9.2%
Earnings Growth (YoY) 69.8%
Profit Margin 11.1%
Valuation Premium vs History +0.8% premium
PE vs Historical 33.2 vs 32.3 FAIR
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): +0.8% (market-implied from PE analysis)
1-Year Target $19.05 (+1%)
2-Year Target $19.20 (+2%)
3-Year Target $19.36 (+2%)
3-Yr Target (if PE normalizes) (PE: 33→32) PE COMPRESSION $18.86 (0%)
Earnings growth offset by PE compression
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (37x PE), but valuation improves significantly next year (33x PE) as earnings recover.
Trailing PE: 37.14 | Current EPS (TTM): $0.51
Bull Case $23.29 (+23%)
Analyst growth 11.8%, PE expands to 40.9
Base Case $21.17 (+12%)
Market implied 11.8%, PE stable at 37.1
Bear Case $12.88 (-32%)
Severe decline -20.0%, PE contracts to 31.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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Reddit & Retail Trader Sentiment (SRBK)

Bullish 1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Oct 27, 2026
Daily AI digest
AI Retail Discussion Summary: SR Bancorp reported a significant increase in net income for Q3 2026, up 54.1% YoY, driven by stronger earnings and net interest income.
Key Retail Themes: earnings growth net interest income
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams. View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 3:17 PM ET
Data refreshes hourly during market hours. Next update: 4:17 PM
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Insider Activity (6 Months)
0
Buys
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Sells
0
Net
NEUTRAL

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SRBK Technical Chart SRBK Price Prediction SRBK Intrinsic Value DCF SRBK Earnings Date SRBK Investment Advisor SRBK Fair Price Analyzer SRBK Competitors
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