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Upturn AI SWOT - About
SR Bancorp, Inc. Common stock (SRBK)
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Upturn Advisory Summary
04/01/2025: SRBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 20.22% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 103.71M USD | Price to earnings Ratio 24.35 | 1Y Target Price - |
Price to earnings Ratio 24.35 | 1Y Target Price - | ||
Volume (30-day avg) 16130 | Beta - | 52 Weeks Range 8.90 - 12.71 | Updated Date 04/1/2025 |
52 Weeks Range 8.90 - 12.71 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.49 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.44% | Operating Margin (TTM) 18.65% |
Management Effectiveness
Return on Assets (TTM) 0.04% | Return on Equity (TTM) 0.21% |
Valuation
Trailing PE 24.35 | Forward PE - | Enterprise Value 81256984 | Price to Sales(TTM) 3.57 |
Enterprise Value 81256984 | Price to Sales(TTM) 3.57 | ||
Enterprise Value to Revenue 4.63 | Enterprise Value to EBITDA - | Shares Outstanding 8535540 | Shares Floating 7966661 |
Shares Outstanding 8535540 | Shares Floating 7966661 | ||
Percent Insiders 15.8 | Percent Institutions 24.49 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
SR Bancorp, Inc. Common stock
Company Overview
History and Background
SR Bancorp, Inc. is the holding company for Sussex Bank. Founded in 1902, the bank provides community banking services in the New Jersey and New York metropolitan area. It has grown through organic expansion and strategic acquisitions, focusing on relationship-based banking.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses of various sizes.
- Retail Banking: Provides personal banking services such as checking accounts, savings accounts, mortgages, and personal loans to individuals.
- Wealth Management: Offers wealth management and financial planning services.
Leadership and Structure
Anthony P. Labozzetta is the President and Chief Executive Officer. The company has a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share data is difficult to pinpoint precisely; however, Sussex Bank competes within the New Jersey and New York metropolitan area banking market. Competitors include larger regional and national banks such as PNC, TD Bank, and Bank of America, as well as other community banks.
- Mortgages: Residential mortgage loans. Market share information is also fragmented; Sussex Bank's market position is smaller compared to larger mortgage lenders. Competitors include Quicken Loans/Rocket Mortgage, Wells Fargo, and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Market share data is not specifically released. Competitors include Chase, Citibank, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition from fintech companies and larger national banks. Regulatory changes and interest rate fluctuations also impact profitability. Consolidation continues to be a trend.
Positioning
SR Bancorp is a community bank focused on serving the New Jersey and New York metropolitan area. Its competitive advantage lies in personalized service and local expertise.
Total Addressable Market (TAM)
The total addressable market consists of all potential banking customers in the New Jersey and New York metropolitan area. It's a multi-billion dollar market. SR Bancorp holds a small, but focused, position within this TAM, emphasizing relationship banking.
Upturn SWOT Analysis
Strengths
- Strong local presence in New Jersey and New York
- Relationship-focused banking model
- Experienced management team
- Sound asset quality
Weaknesses
- Smaller size compared to larger regional and national banks
- Limited geographic diversification
- Dependence on local economy
- Lower brand recognition than national banks
Opportunities
- Expansion into new markets within the New Jersey and New York metropolitan area
- Increased adoption of digital banking technologies
- Strategic acquisitions of other community banks
- Growth in wealth management services
Threats
- Increasing competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC (PNC)
- TD Bank (TD)
- Bank of America (BAC)
- Citigroup (C)
Competitive Landscape
SR Bancorp's competitive advantage lies in its local presence and relationship banking model, allowing it to compete effectively for smaller businesses and retail customers. However, larger banks possess advantages due to greater resources and broader service offerings.
Major Acquisitions
Atlantic Stewardship Bank
- Year: 2023
- Acquisition Price (USD millions): 147.6
- Strategic Rationale: Expanded SR Bancorp's presence in Northern New Jersey and enhanced its market share in the region.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires access to real-time data. Please refer to historical annual reports and SEC filings.
Future Projections: Future projections are based on analyst estimates, which are constantly revised, I don't have access to these projections.
Recent Initiatives: Recent initiatives typically involve expanding services and increasing local presence. This information requires real-time monitoring.
Summary
SR Bancorp, Inc. is a community bank with a strong local presence in the New Jersey and New York metropolitan area. Its relationship-focused banking model gives it a niche, but faces competition from larger banks and fintech companies. Expansion into new markets and embracing digital technologies will be important for continued growth. Close attention to the economic climate and regulatory changes is also necessary.
Similar Companies
- FMNB
- WSFS
- BMRC
- PBCT
- CASH
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Financial data is subject to change. Market share estimates are approximate and based on available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About SR Bancorp, Inc. Common stock
Exchange NASDAQ | Headquaters Bound Brook, NJ, United States | ||
IPO Launch date 2023-09-20 | CEO & Executive Vice Chairman Mr. William P. Taylor | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 116 | |
Full time employees 116 | |||
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 offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit; business checking accounts for small businesses; and bill payment services through its online banking system. It also provides loans comprising one- to four family-residential mortgage, commercial real estate, multi-family, commercial and industrial, consumer, home equity, unsecured personal, and rehabilitation loans; and lines of credit. In addition, the company is involved in the investment activities. SR Bancorp, Inc. was founded in 1887 and is based in Bound Brook, New Jersey.
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