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HYNE (56) WSBK (53) ECBK (67) BSBK (56) ⌘ Pro Terminal β†’

SR Bancorp Inc. (SRBK) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$19.24 +2.40% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $19.29

SR Bancorp Inc. (SRBK) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ β€’ SELL / AVOID Cap $149.0M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SRBK Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is SRBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, SR Bancorp Inc. (NASDAQ: SRBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $19.24 (+2.40% 1D, market cap $149.0M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, SRBK ranks #533 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does SRBK compare to HYNE and WSBK in the Financials sector?
β–Ό

Within the Financials sector (Banks), SRBK carries a Roarable D+ (55/100 RQD), trailing P/E of 29.3x, gross margin of β€”, and ROIC of 2.7%. By comparison, HYNE (Hoyne Bancorp Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 0.1%, cap $152.2M) and WSBK (Winchester Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E N/A, ROIC -0.7%, cap $124.0M). Among the 5-stock peer group, ECBK leads on earnings multiple (24.0x) while ECBK leads on capital efficiency (4.5% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SRBK?
β–Ό

Per SRBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001951276), SR Bancorp Inc. generated $480.0M in revenue (+7.4% YoY), $5.1M in net income, and $4.2M in free cash flow against $1.14B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $19.29 (+0.24%)🧬 Disciplined Float (-0.40% YoY Shares)βš™οΈ Cash Engine: 11/20 (D+) β€’ 0.9% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY β€’ 51.4% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D+
025507510055
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D Β· Rk C
Cash (11)Whales (9)SEC (13)Macro (13)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-1.4% Base Target
$22 Bull$19 Base$15 Bear
πŸ“¬ FREE SRBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for SRBK)Realized 20D OHLCV Swing Band: Β±4.6%
Deterministic 5-Pillar Attribution (55/100 Composite)
πŸ” WHY SRBK SCORES 55/100 (D+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 4/9

β–² #2 Bullish Driver: Macro Regime Fit+13/20 pts (24% of score)

FRED Regime Γ— Technicals: 73% of 52W Range β€’ RSI-14 at 48.2 (NEUTRAL RANGE)

β–Ό #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
47
Grade D$18.68+0.2% Next Q
Q2 (-2Q)
50
Grade C-$18.71+1.7% Next Q
Q3 (-1Q)
52
Grade C-$19.03+1.1% Next Q
Current
55
Grade D+$19.24-0.5% Hist 90D Ξ±
Trajectory: D (47) β†’ D+ (55)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the SRBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 55/100 (D+) score, SRBK faces multiple-compression risk if 29.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.40% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($19.09) or 200D SMA ($18.46) invalidates the momentum regime and cuts Target Base ($18.98) toward Bear Floor ($14.80).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SRBKβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œSRBK Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”
YES 55%NO 45%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

SRBK Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (SRBK)

No recent open-market Form 4 cluster sales or emergency dumps flagged on SRBK. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SRBK)

  • βœ“Walkthrough of SRBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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SRBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.57%πŸ“ HORIZONTAL RANGE
2026-11-03O $18.97H $19.24L $18.79C $19.24VOL 18.6K
RES: $22.32SUP: $17.27SMA50: $19.09SMA200: $18.46
$21.30$19.85$18.39$16.93$15.48RES $22.32SUP $17.27$19.242026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SRBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ SRBK Butterfly Map β†’ + Track SRBK β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
22.5%/yr Implied 5Y Growth

vs. +7.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on SRBK today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for SRBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for SRBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SRBK)

Financials Rank #533 of 1097 βš”οΈ HYNE vs SRBK Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (SRBK vs. HYNE, WSBK, ECBK, BSBK)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, SR Bancorp Inc. (SRBK) ranks #533 by composite RQD confidence (55/100, grade D+) and #928 by equity capitalization ($149.0M). Within this direct 5-issuer industry benchmark cohort, ECBK leads on earnings valuation at 24.0x trailing P/E, while ECBK leads on capital efficiency and profitability with 4.5% ROIC and β€” gross margin. ECBK currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with SRBK at 55/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
SRBK ACTIVE
SR Bancorp Inc.
D+ 55/100 29.3x β€” 2.7% +2.40% $149.0M Benchmark Subject
HYNE
Hoyne Bancorp Inc.
D+ 56/100 β€” β€” 0.1% +0.69% $152.2M /hyne-vs-srbk β†’
WSBK
Winchester Bancorp Inc.
D+ 53/100 β€” β€” -0.7% +0.75% $124.0M /wsbk-vs-srbk β†’
ECBK
ECB Bancorp Inc.
C+ 67/100 24.0x β€” 4.5% +0.09% $186.6M /ecbk-vs-srbk β†’
BSBK
Bogota Financial Corp.
D+ 56/100 56.3x β€” 1.5% +1.64% $116.5M /bsbk-vs-srbk β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-06-30 β€’ CIK 0001951276 β†—

In its most recent audited fiscal period (FY2025, filed 2025-06-30), SR Bancorp Inc. (SRBK) reported GAAP revenue of $480.0M (+7.4% vs. FY2024 revenue of $447.1M , and +1689.5% cumulative change since FY2023) , GAAP net income of $5.1M, operating cash flow of $4.7M, and free cash flow of $4.2M (+249.0% YoY). On the balance sheet, SRBK closed FY2025 with $1.14B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-06-30 $480.0M $5.1M $4.7M $4.2M $1.14B β€”
FY2024 (FY) 2024-06-30 $447.1M -$10.9M -$1.7M -$2.8M $1.06B β€”
FY2023 (FY) 2023-06-30 $26.8M $1.6M $2.3M $2.3M β€” β€”

3. SRBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SRBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, SR Bancorp Inc. (NASDAQ: SRBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $19.24 (+2.40% 1D, market cap $149.0M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, SRBK ranks #533 in composite RQD confidence.

How does SRBK compare to HYNE and WSBK in the Financials sector?

Within the Financials sector (Banks), SRBK carries a Roarable D+ (55/100 RQD), trailing P/E of 29.3x, gross margin of β€”, and ROIC of 2.7%. By comparison, HYNE (Hoyne Bancorp Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 0.1%, cap $152.2M) and WSBK (Winchester Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E N/A, ROIC -0.7%, cap $124.0M). Among the 5-stock peer group, ECBK leads on earnings multiple (24.0x) while ECBK leads on capital efficiency (4.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SRBK?

Per SRBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001951276), SR Bancorp Inc. generated $480.0M in revenue (+7.4% YoY), $5.1M in net income, and $4.2M in free cash flow against $1.14B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SRBK trading relative to its 50-day, 200-day, and 52-week technical levels?

SRBK last traded at $19.24 (+2.40% on volume of 50,516 shares), positioning the stock +0.79% above its 50-day simple moving average ($19.09) and +4.23% above its 200-day simple moving average ($18.46). Across its 52-week range of $14.60 to $20.95, SRBK sits at the 73.1% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.6% ($18.35 to $20.13).

Direct Sub-Reports: SRBK RQD Cockpit SRBK 12M Forecast SRBK Earnings & Move SRBK Dividends & DRIP SRBK Insiders & 13F SRBK Whale Options SRBK Profit Sankey SRBK News & Why
ROARABLE RATING BRIEF β€’ RQD 55/100 (D+) βœ“ SEC XBRL & RQD VERIFIED

SRBK β€” SR Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-06-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

SR Bancorp Inc. (SRBK) earns a live Roarable RQD composite score of 55/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $19.24 (+2.40% 1D, market capitalization $149.0M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 2.7%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 2.81%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

SR Bancorp Inc. (SRBK) operates in the Banks industry (Financials sector) with an equity capitalization of $149.0M, gross margin of β€”, operating margin of β€”, and return on invested capital (ROIC) of 2.7%.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), SR Bancorp Inc. (SRBK) reported $480.0M in annual revenue (up from $447.1M in FY2024, +7.4% YoY) and $5.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($26.8M revenue, $1.6M net income) through FY2025, SRBK scaled operating cash flow to $4.7M and free cash flow to $4.2M, backed by $1.14B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D+ β€’ RQD 55/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 2.81% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $14.60 – $20.95 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 29.3x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Banks (Financials), SRBK carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can SRBK sustain or expand its β€” operating margin and 2.7% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $480.0M and free cash flow of $4.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is SRBK's 27.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

SRBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for SR Bancorp Inc. (SRBK) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to SRBK Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SRBK Bull vs. Bear Conversation Board β€” What's Your Call at $19.24?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SRBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SRBK:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER β€’ Growth & Tech Investor πŸ‚ BULLISH 🎯 Target: $22.74 (+21.0%)
πŸ“Œ Pinned Debate

Per the Roarable RQD rating, the Forensic Balance Sheet pillar scores 13/20 with Altman Z 2.5 and Debt/Equity 0.5, and the FY 2025 net

Per the Roarable RQD rating, the Forensic Balance Sheet pillar scores 13/20 with Altman Z 2.5 and Debt/Equity 0.5, and the FY 2025 net income of $5.1M reversed the FY 2024 loss of -$10.9M.. When you look under the hood at SRBK, Fundamental Cash Engine is 11/20 with 0.0% gross margins and 2.7% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (9/20) has been quietly accumulating below $20.95. My 12M target is $22.74.

EarningsSniper πŸ‚ BULL

@ForensicBear Shorting a 9/20 institutional whale-flow stock at $18.79 is dangerous when funds are rotating into Financials.

FO ForensicBear RQD DEBATE OPENER β€’ 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $14.28 (-24.0%)
Spot @ $18.79

Per the Roarable RQD rating, the Fundamental Cash Engine scores 11/20 with ROIC of 2.7%, and the 29.3 P/E (TTM) sits well above that re

Fading this rally in SRBK at $18.79. Per the Roarable RQD rating, the Fundamental Cash Engine scores 11/20 with ROIC of 2.7%, and the 29.3 P/E (TTM) sits well above that return profile.. With a beta of 1.0 and the stock sitting at $18.79 (52-wk range $14.60–$20.95), the easy multiple expansion is already priced in.

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