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SRBK

SR BancorpD
Nasdaq / Banks
Last Price
Quote time unavailable
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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
Defensive
Lead driver
Sentiment
What changed
Next scheduled catalyst: earnings 2026-10-29.
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
42
Sentiment
52
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.
Earnings
2026-10-29
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-31 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $19.00
Why
Momentum61 · Δ7d -
Value42 · Δ7d -0.0
Sentiment52 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-29.
  • • 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

2026-10-29

Post-earnings earnings reset

Lead driver: Sentiment · See AI snapshot
Momentum
61
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
42
47% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-5.6
Sentiment
52
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade D. Momentum 61.4 / Value 42.2 / Sentiment 52.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-31. Scenario method

B+
Bull case
20%
Probability
Target price
$22.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
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 2026-10-23
Market Cap
$135.38M
Beta
-
Shares Out
7.93M
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 2026-10-26 • Updated nightlySource: Internal modelMethods & Data