B+
Bull case
20%
Probability
Target price
$22.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
SRBK
SR BancorpCNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Loan and deposit growth, improved NIM, no charge-offs or non-performing loans reported, and continued capital returns provide a possible support case. However, analyst coverage and forward estimates are unavailable.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
20.7% of deposits were uninsured at June 30, 2026, creating liquidity and funding sensitivity. [#SEC-8K-2026-07-28]
Momentum
61
Value
43
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $19.00 · Bull $22.00 · Bear $15.50Analysis 2026-07-31; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-31 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $19.00
Why
Momentum61 · Δ7d -
Value43 · Δ7d +0.0
Sentiment59 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Sentiment remains the lead driver in the composite.
Contradictions & invalidation
- • 20.7% of deposits were uninsured at June 30, 2026, creating liquidity and funding sensitivity. [#SEC-8K-2026-07-28]
- • A July 2026 third-party data-security incident exposed certain customer data; the company reported no material financial impact as of disclosure, but legal, regulatory, reputational, and financial risks remain.
- • Reported profitability declined materially, funding costs and borrowings increased, and equity fell year over year.
Catalyst clock
2026-07-28
Post-earnings earnings reset
Lead driver: Sentiment · See AI snapshot
Momentum
61
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
43
28% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+0.0
Sentiment
59
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade C. Momentum 61.4 / Value 42.5 / Sentiment 58.5
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-31. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$19.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$15.50
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$147.09M
Beta
-
Shares Out
8.1M
P/E (TTM)
29.0
P/S (TTM)
2.79
P/FCF (TTM)
41.56
Rev YoY
+9.7%
EPS YoY
+23.9%
Gross Margin
-
Op Margin
+8.5%
Net Debt
$63.95M
Current Ratio
0.58
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data