SR Bancorp Inc
SRBKFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
18.91+0.01 (0.05%)
2026-11-12 04:05 CET
Market cap
149.71 USD m
Revenue, TTM
- USD m
Net income, TTM
3.73 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
0.50
P/E
37.65
Price
SRBK against its 20, 50 and 200-day averages2050200earnings
9.7% under the 52-week high of 20.95 on 14 Aug 2026. 52-week low 14.60 on 18 Nov 2025. Last 15 sessions, 7.1% high to low
Volume 1.54× normal · the line is the 50-bar volume average
Profile
SRBK52-week range, 68% of the way up
14.6020.95
SR Bancorp, Inc. is a holding company, which engages in the ownership of the outstanding common stock of Somerset Regal Bank. The company was founded on July 20, 2022 and is headquartered in Bound Brook, NJ.
| Index | RUT |
|---|---|
| Employees | 115 |
| IPO | Sep 20, 2023 |
| Beta | 0.60 |
| ATR, 14d | 0.46 |
| Rel volume | 1.54 |
| Short float | 3.23% |
| Insider own | 18.04% |
| Inst own | 35.12% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 135.33M |
| Enterprise Value | - |
| Income | 3.73M |
| Sales | 53.63M |
| Book/sh | 23.03 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.22 (1.16%) |
| Dividend Ex-Date | Sep 30, 2026 |
| Dividend Gr. 3/5Y | - - |
| Payout | 47.83% |
| Employees | 115 |
| IPO | Sep 20, 2023 |
Ratios
| P/E | 37.65 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.52 |
| P/B | 0.82 |
| P/C | - |
| P/FCF | 14.32 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.65 |
| Debt/Eq | 0.21 |
| LT Debt/Eq | 0.21 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 0.50 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 39.06% 22.22% |
| Sales past 3/5Y | 43.92% 36.80% |
| EPS Y/Y TTM | 37.01% |
| Sales Y/Y TTM | 9.63% |
| EPS Q/Q | 71.62% |
| Sales Q/Q | 14.41% |
| Earnings | Oct 26 AMC |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 18.04% |
|---|---|
| Insider Trans | 0.06% |
| Inst Own | 35.12% |
| Inst Trans | 2.74% |
| ROA | 0.32% |
| ROE | 1.99% |
| ROIC | 1.70% |
| Gross Margin | - |
| Oper. Margin | 9.20% |
| Profit Margin | 6.95% |
| SMA20 | 0.31% |
| SMA50 | -0.60% |
| SMA200 | 2.06% |
| Trades | - |
Technical
| Shs Outstand | 7.92M |
|---|---|
| Shs Float | 6.49M |
| Short Float | 3.23% |
| Short Ratio | 8.37 |
| Short Interest | 0.21M |
| 52W High | 20.95 -9.74% |
| 52W Low | 14.60 29.52% |
| Volatility | 2.62% 2.22% |
| ATR (14) | 0.46 |
| RSI (14) | 50.21 |
| Beta | 0.60 |
| Rel Volume | 1.54 |
| Avg Volume | 25.07K |
| Volume | 38,573 |
Performance
| Perf Week | -0.68% |
|---|---|
| Perf Month | 1.23% |
| Perf Quarter | -6.76% |
| Perf Half Y | 4.42% |
| Perf YTD | 20.14% |
| Perf Year | 25.07% |
| Perf 3Y | 116.11% |
| Perf 5Y | - |
| Perf 10Y | - |
| Recom | 3.00 |
| Target Price | 19.00 |
| Prev Close | 18.90 |
| Price | 18.91 |
| Change % | 0.05% |
Analyst ratings
latest 2 of 2| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| May 04, 2026 | Reiterated | HHovde Group | Market Perform | $18 → $19 | +0.5% |
| Nov 18, 2025 | Initiated | HHovde Group | Market Perform | $16 | -15.4% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| MGYR | Magyar Bancorp Inc | 140.60M |
| BSBK | Bogota Financial Corp | 118.58M |
| BCBP | BCB Bancorp Inc (NJ) | 281.07M |
| BPRN | Princeton Bancorp Inc | 301.80M |
| UNTY | Unity Bancorp Inc | 589.15M |
| FRBA | First Bank (NJ) | 488.40M |
| KRNY | Kearny Financial Corp | 601.89M |
| PGC | Peapack-Gladstone Financial Corp | 821.02M |
| PKBK | Parke Bancorp Inc | 383.86M |
| CLBK | Columbia Financial Inc | 3.06B |
Insider trading
13 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Mustard Robert Kenneth | Director | Aug 14 '26 | Buy | 20.21 | 250 | 5,052 | 1,500 | Aug 17 10:45 AM |
| Pribula Christopher J | President and CEO | Jun 15 '26 | Buy | 18.99 | 500 | 9,495 | 56,138 | Jun 15 02:37 PM |
| Faqueri Harris M | SVP and CFO | Mar 16 '26 | Buy | 16.40 | 3,000 | 49,200 | 13,000 | Mar 20 11:03 AM |
| Davey Mary E | Director | Mar 06 '26 | Buy | 16.30 | 320 | 5,218 | 28,970 | Mar 06 04:55 PM |
| Viotto Neil C | EVP and COO | Mar 03 '26 | Buy | 16.83 | 1,000 | 16,829 | 11,400 | Mar 03 12:56 PM |
| Lupo Thomas | Director | Feb 23 '26 | Buy | 16.47 | 1,000 | 16,466 | 44,015 | Feb 24 02:42 PM |
| Mustard Robert Kenneth | Director | Feb 02 '26 | Buy | 17.05 | 250 | 4,262 | 1,250 | Feb 03 11:24 AM |
| Orbach David M | Executive Chair | Jan 30 '26 | Option Exercise | 12.50 | 19,016 | 237,700 | 213,949 | Jan 30 04:38 PM |
| Mustard Robert Kenneth | Director | Dec 04 '25 | Buy | 15.75 | 300 | 4,725 | 1,000 | Dec 04 03:36 PM |
| Taylor William P | CEO | Dec 02 '25 | Buy | 15.79 | 1,000 | 15,792 | 73,838 | Dec 03 01:06 PM |
| Mustard Robert Kenneth | Director | Nov 28 '25 | Buy | 15.38 | 200 | 3,076 | 700 | Dec 01 04:09 PM |
| Mustard Robert Kenneth | Director | Nov 26 '25 | Buy | 15.32 | 500 | 7,662 | 500 | Nov 26 06:18 PM |
| Pribula Christopher J | President and COO | Nov 24 '25 | Buy | 15.09 | 1,000 | 15,090 | 49,933 | Nov 24 12:49 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | AUM: 8.52B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | AUM: 212.10M |
| AVSC | Avantis U.S Small Cap Equity ETF | AUM: 3.23B |
News
latest 14 of 56- SR BANCORP, INC. ANNOUNCES FINANCIAL RESULTS (PR Newswire)
- SR BANCORP, INC. ANNOUNCES PAYMENT OF QUARTERLY CASH DIVIDEND OF $0.06 PER SHARE (PR Newswire)
- SR BANCORP, INC. ANNOUNCES FOURTH QUARTER AND FULL YEAR FINANCIAL RESULTS (PR Newswire)
- SR BANCORP, INC. ANNOUNCES 20% INCREASE IN QUARTERLY DIVIDEND (PR Newswire)
- SR BANCORP, INC. ANNOUNCES ADOPTION OF ITS THIRD STOCK REPURCHASE PROGRAM (PR Newswire)
- SR BANCORP, INC. ANNOUNCES FINANCIAL RESULTS (PR Newswire)
- SR BANCORP, INC. ANNOUNCES PAYMENT OF QUARTERLY CASH DIVIDEND OF $0.05 PER SHARE (PR Newswire)
- SR BANCORP, INC. ANNOUNCES QUARTERLY FINANCIAL RESULTS (PR Newswire)
- SR BANCORP, INC. ANNOUNCES PAYMENT OF QUARTERLY CASH DIVIDEND OF $0.05 PER SHARE (PR Newswire)
- SR BANCORP, INC. ANNOUNCES MANAGEMENT CHANGES (PR Newswire)
- SR BANCORP, INC. ANNOUNCES QUARTERLY FINANCIAL RESULTS (PR Newswire)
- SR BANCORP, INC. ANNOUNCES PAYMENT OF QUARTERLY CASH DIVIDEND OF $0.05 PER SHARE (PR Newswire)
- SR BANCORP, INC. ANNOUNCES FOURTH QUARTER AND ANNUAL FINANCIAL RESULTS (CORRECTED) (PR Newswire)
- SR BANCORP, INC. ANNOUNCES FOURTH QUARTER AND ANNUAL FINANCIAL RESULTS (PR Newswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2027Q1 | 2026-10-26 | 0.141 | - | 0.150 | 8.90 | - | - |
| 2026Q4 | 2026-07-28 | 0.117 | 0.130 | 0.127 | 8.58 | 8.60 | 1 |
| 2026Q3 | 2026-04-28 | 0.104 | 0.100 | 0.117 | 8.36 | 8.50 | 1 |
| 2026Q2 | 2026-01-28 | 0.091 | 0.110 | 0.108 | 8.37 | 8.50 | 1 |
| 2026Q1 | 2025-12-03 | 0.064 | 0.090 | 0.087 | 8.20 | 8.20 | 1 |
| 2025Q4 | 2025-09-03 | 0.119 | - | 0.102 | 8.00 | - | - |
| 2025Q3 | 2025-04-30 | - | - | 0.065 | 7.74 | - | - |
| 2025Q2 | 2025-01-31 | - | - | 0.119 | 7.83 | - | - |
| 2025Q1 | 2024-10-30 | - | - | 0.155 | 8.40 | - | - |
| 2024Q4 | 2024-07-31 | - | - | -0.319 | - | - | - |
| 2024Q3 | 2024-05-01 | - | - | 0.121 | 8.82 | - | - |
| 2024Q2 | 2024-01-31 | - | - | 0.183 | 9.38 | - | - |
| 2027Q2 | - | - | 0.180 | - | - | 9.20 | 1 |
| 2027Q3 | - | - | 0.160 | - | - | 9.20 | 1 |
| 2027Q4 | - | - | 0.200 | - | - | 9.50 | 1 |
| 2028Q1 | - | - | 0.230 | - | - | 9.90 | 1 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2025FY | 0.571 | - | 0.608 | - | - |
| 2026FY | 0.369 | - | 0.440 | 33.45 | - |
| 2027FY | - | 0.570 | - | - | - |
| 2028FY | - | 0.823 | - | - | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2027Q2 | S | 2026-07-29 | 1 | 0 | 0 | 9.20 | 9.20 | 9.20 |
| 2027Q2 | S | 2026-07-15 | 1 | 0 | 0 | 9.20 | 9.20 | 9.20 |
| 2027Q2 | S | 2026-05-01 | 1 | 0 | 1 | 9.20 | 9.20 | 9.20 |
| 2027Q2 | S | 2026-04-29 | 1 | 0 | 0 | 9.30 | 9.30 | 9.30 |
| 2027Q2 | S | 2026-04-21 | 1 | 0 | 0 | 9.30 | 9.30 | 9.30 |
| 2027Q2 | S | 2026-02-05 | 1 | 0 | 1 | 9.30 | 9.30 | 9.30 |
| 2027Q2 | S | 2026-01-29 | 1 | 0 | 0 | 9.40 | 9.40 | 9.40 |
| 2027Q2 | S | 2025-12-03 | 1 | 0 | 0 | 9.40 | 9.40 | 9.40 |
| 2027Q2 | S | 2025-11-14 | 1 | 0 | 0 | 9.40 | 9.40 | 9.40 |
| 2027Q2 | R | 2026-07-29 | 1 | 0 | 0 | 0.18 | 0.18 | 0.18 |
| 2027Q2 | R | 2026-04-29 | 1 | 0 | 0 | 0.18 | 0.18 | 0.18 |
| 2027Q2 | R | 2026-04-21 | 1 | 0 | 0 | 0.18 | 0.18 | 0.18 |
| 2027Q2 | R | 2026-02-05 | 1 | 0 | 1 | 0.18 | 0.18 | 0.18 |
| 2027Q2 | R | 2026-01-29 | 1 | 0 | 0 | 0.19 | 0.19 | 0.19 |
Estimate history
| EPS, annual | 0.197 | 0.163 | -1.589 | 0.608 | 0.439 | 0.5022 | |||
|---|---|---|---|---|---|---|---|---|---|
| Period | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | |||
| EPS, quarterly | 0.155 | 0.119 | 0.065 | 0.102 | 0.087 | 0.108 | 0.117 | 0.127 | 0.15 |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 |
| Sales, annual | 14.791 | 17.379 | 38.374 | 50.036 | 51.806 | 53.63 | |||
| Period | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | |||
| Sales, quarterly | 12.266 | 12.169 | 12.021 | 12.225 | 12.502 | 12.892 | 13.029 | 13.405 | 14.303 |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 |
| Shares, annual | 9.508 | 9.508 | 9.508 | 8.875 | 7.307 | 7.917 | |||
| Period | 2022 | 2023 | 2024 | 2025 | 2026 | MRQ | |||
| Shares, quarterly | 9.442 | 9.256 | 9.185 | 8.875 | 8.677 | 7.767 | 7.486 | 7.307 | 7.917 |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 |
Income statement, annual
| Metric | TTM | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY |
|---|---|---|---|---|---|---|
| Interest Income | 51.34 | 49.58 | 46.31 | 40.87 | 16.12 | 13.43 |
| Total Interest Expense | 19.41 | 18.35 | 16.73 | 11.49 | 2.43 | 1.53 |
| Net Interest Income | 31.94 | 31.23 | 29.58 | 29.37 | 13.69 | 11.90 |
| Loan Loss Provision | 0.58 | 0.57 | 0.13 | 4.07 | 0.00 | 0.00 |
| Net Interest Income After Loan Loss Provision | 31.36 | 30.66 | 29.45 | 25.30 | 13.69 | 11.90 |
| Non-Interest Income | 2.29 | 2.23 | 3.72 | -2.49 | 1.26 | 1.36 |
| Non-Interest Expense | 28.71 | 28.48 | 27.04 | 34.58 | 13.15 | 11.02 |
| Operating Income | 4.93 | 4.40 | 6.13 | -11.77 | 1.80 | 2.23 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 4.93 | 4.40 | 6.13 | -11.77 | 1.80 | 2.23 |
| Income Taxes | 1.21 | 1.05 | 0.99 | -0.91 | 0.25 | 0.36 |
| Consolidated Net Income | 3.73 | 3.35 | 5.14 | -10.86 | 1.55 | 1.87 |
| Net Income From Continuing Operations | 3.73 | 3.35 | 5.14 | -10.86 | 1.55 | 1.87 |
| Net Income | 3.73 | 3.35 | 5.14 | -10.86 | 1.55 | 1.87 |
| EPS (Recurring) | - | 0.44 | 0.61 | -1.59 | 0.16 | 0.20 |
| EPS (Basic, Before Extraordinaries) | 0.51 | 0.45 | 0.61 | -1.59 | 0.16 | 0.20 |
| EPS (Diluted) | 0.50 | 0.44 | 0.61 | -1.59 | 0.16 | 0.20 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.64 | 0.56 | 0.41 | - | - |
| Price To Earnings Ratio | 37.65 | 37.65 | 681.82 | - | - | - |
| Price To Sales Ratio | 2.57 | 2.90 | 2.28 | 1.65 | - | - |
| Operating Margin | 9.20 | 8.49 | 12.25 | -30.67 | 10.37 | 15.10 |
| Net Margin | 6.95 | 6.47 | 10.26 | -28.30 | 8.94 | 12.65 |
| Shares Outstanding | 7.92 | 7.31 | 8.88 | 9.51 | 9.51 | 9.51 |
| Market Capitalization | 149.71 | 149.71 | 121.46 | 87.95 | 87.95 | - |
Income statement, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 13.70 | 12.86 | 12.47 | 12.31 | 11.94 | 11.71 | 11.48 | 11.54 |
| Total Interest Expense | 5.40 | 4.83 | 4.66 | 4.52 | 4.34 | 4.26 | 4.30 | 4.31 |
| Net Interest Income | 8.30 | 8.03 | 7.81 | 7.79 | 7.59 | 7.45 | 7.18 | 7.24 |
| Loan Loss Provision | 0.18 | 0.27 | 0.08 | 0.05 | 0.17 | 0.08 | 0.04 | 0.01 |
| Net Interest Income After Loan Loss Provision | 8.12 | 7.76 | 7.73 | 7.74 | 7.42 | 7.37 | 7.15 | 7.23 |
| Non-Interest Income | 0.60 | 0.55 | 0.55 | 0.58 | 0.57 | 0.52 | 0.54 | 0.62 |
| Non-Interest Expense | 7.30 | 7.06 | 7.12 | 7.24 | 7.10 | 6.81 | 7.06 | 6.51 |
| Operating Income | 1.43 | 1.25 | 1.17 | 1.09 | 0.90 | 1.08 | 0.63 | 1.34 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 1.43 | 1.25 | 1.17 | 1.09 | 0.90 | 1.08 | 0.63 | 1.34 |
| Income Taxes | 0.36 | 0.31 | 0.28 | 0.25 | 0.20 | 0.26 | 0.09 | 0.32 |
| Consolidated Net Income | 1.07 | 0.94 | 0.89 | 0.83 | 0.69 | 0.82 | 0.54 | 1.02 |
| Net Income From Continuing Operations | 1.07 | 0.94 | 0.89 | 0.83 | 0.69 | 0.82 | 0.54 | 1.02 |
| Net Income | 1.07 | 0.94 | 0.89 | 0.83 | 0.69 | 0.82 | 0.54 | 1.02 |
| EPS (Recurring) | - | 0.13 | 0.12 | 0.11 | 0.09 | - | 0.06 | 0.12 |
| EPS (Basic, Before Extraordinaries) | 0.15 | 0.13 | 0.12 | 0.11 | 0.09 | 0.10 | 0.06 | 0.12 |
| EPS (Diluted) | 0.15 | 0.13 | 0.12 | 0.11 | 0.09 | 0.10 | 0.06 | 0.12 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.46 | 0.44 | 0.40 | 0.39 | 0.06 | 0.31 | 0.11 |
| Price To Earnings Ratio | 37.65 | 47.40 | 46.57 | 42.21 | 34.23 | 681.82 | 156.77 | 84.71 |
| Price To Sales Ratio | 2.57 | 2.82 | 2.52 | 2.44 | 2.45 | 2.24 | 2.26 | 2.32 |
| Operating Margin | 10.00 | 9.32 | 8.96 | 8.44 | 7.16 | 8.82 | 5.21 | 11.05 |
| Net Margin | 7.47 | 7.01 | 6.80 | 6.47 | 5.54 | 6.73 | 4.47 | 8.39 |
| Shares Outstanding | 7.92 | 7.31 | 7.49 | 7.77 | 8.68 | 8.88 | 9.18 | 9.26 |
| Market Capitalization | 149.71 | 159.41 | 140.70 | 134.30 | 135.76 | 121.46 | 110.22 | 112.45 |
Balance sheet, annual
| Metric | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY |
|---|---|---|---|---|---|
| Cash & Due from Banks | 3.84 | 3.94 | 8.62 | 8.66 | 7.56 |
| Investments | 203.04 | 198.32 | 196.87 | 241.80 | 269.27 |
| Net Loans | 901.19 | 797.17 | 731.86 | 362.25 | 334.56 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 7.56 | 8.10 | 7.73 | 3.56 | 3.44 |
| Interest Receivables | 3.48 | 3.07 | 2.69 | 1.19 | 1.07 |
| Deferred Tax Assets | 6.76 | 7.88 | 9.14 | 3.00 | 3.80 |
| Other Intangible Assets | 71.12 | 71.09 | 69.48 | 32.06 | 30.21 |
| Total Assets | 1,196.99 | 1,089.57 | 1,026.40 | 652.52 | 649.90 |
| Total Deposits | 926.42 | 846.02 | 807.10 | 503.92 | 522.07 |
| Total Debt | 67.78 | 33.21 | 2.40 | 20.02 | 0.00 |
| Long Term Debt | 1.90 | 32.36 | 1.61 | 20.02 | 0.00 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 1.14 | 2.67 |
| Deferred Tax Liabilities | 4.81 | 5.17 | 5.56 | 1.04 | 1.27 |
| Other Liabilities | 16.17 | 11.39 | 11.86 | 4.33 | 5.66 |
| Total Liabilities | 1,015.19 | 895.79 | 826.92 | 530.44 | 531.67 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 181.79 | 193.78 | 199.48 | 122.08 | 118.23 |
| Total Shareholders Equity | 181.79 | 193.78 | 199.48 | 122.08 | 118.23 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 181.79 | 193.78 | 199.48 | 122.08 | 118.23 |
| Total Liabilities & Stockholders Equity | 1,196.99 | 1,089.57 | 1,026.40 | 652.52 | 649.90 |
| Book Value Per Share | 24.88 | 21.83 | 20.98 | 12.84 | 12.43 |
| Tangible Book Value Per Share | 21.38 | 18.82 | 18.02 | 12.84 | 12.43 |
| Full-Time Employees | 115 | 119 | 116 | 65 | - |
| Price to Book Ratio | 0.82 | 0.64 | 0.44 | 0.44 | - |
| Return on Assets | 0.29 | 0.49 | -1.29 | 0.24 | - |
| Return on Equity | 1.79 | 2.61 | -6.75 | 1.29 | - |
| Return on Invested Capital | 1.83 | 2.27 | -5.40 | 1.09 | 1.58 |
| Current Ratio | 0.09 | 0.09 | 0.10 | 0.14 | 0.19 |
Cash flow, annual
| Metric | TTM | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 5.41 | 3.84 | -2.62 | 1.60 | 2.60 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 4.86 | 0.56 | 0.52 | 0.15 | -2.00 |
| Cash from Operating Activities | - | 10.27 | 4.40 | -2.10 | 1.75 | 0.60 |
| Capital Expenditures | - | -1.54 | -0.43 | -1.10 | -0.52 | -0.33 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | -69.54 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 55.31 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 10.54 | 14.00 | 64.19 | 31.50 | -6.32 |
| Purchase of Investments | - | -6.00 | 0.00 | 0.00 | -0.89 | -54.79 |
| Sale Or Maturity of Investments | - | 16.54 | 14.00 | 64.19 | 32.39 | 48.47 |
| Federal Home Loan Advances Increase (Decrease) | - | -1.63 | -2.73 | 0.04 | -0.02 | -0.07 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -95.26 | -50.21 | 12.11 | 3.26 | -34.47 |
| Cash Dividends Paid | - | -1.69 | -0.44 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -15.79 | -11.32 | 79.45 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | - | -16.02 | -11.32 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.24 | 0.00 | 79.45 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 79.45 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 35.00 | 68.79 | -89.76 | 1.84 | 12.08 |
| Change in Long Term Debt | - | 0.00 | 38.79 | -69.76 | 1.84 | 12.08 |
| Issuance of Long Term Debt | - | 0.00 | 38.79 | 0.00 | 20.00 | 12.08 |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | -69.76 | -18.16 | 0.00 |
| Net Financing Active Other Cash Flow | - | 0.80 | 0.66 | 3.76 | 0.24 | 0.38 |
| Other Financing Activities Uses | - | -0.29 | - | - | - | - |
| Cash from Financing Activities | - | 98.67 | 57.69 | -6.55 | 2.09 | 12.46 |
| Net Change in Cash | - | 13.68 | 11.87 | 3.46 | 7.11 | -21.41 |
| Free Cash Flow | - | 9.45 | 3.96 | -3.21 | 1.24 | 0.27 |
| Price to Free Cash Flow | - | 19.36 | 32.40 | - | - | - |
Balance sheet, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 4.49 | 3.84 | 4.66 | 3.93 | 4.45 | 3.94 |
| Investments | 181.26 | 203.04 | 197.33 | 222.26 | 194.96 | 198.32 |
| Net Loans | 947.38 | 901.19 | 859.05 | 835.37 | 826.37 | 797.17 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 7.14 | 7.56 | 7.90 | 7.78 | 7.72 | 8.10 |
| Interest Receivables | 3.79 | 3.48 | 3.46 | 3.20 | 3.16 | 3.07 |
| Deferred Tax Assets | - | 6.76 | - | - | - | 7.88 |
| Other Intangible Assets | 72.30 | 71.12 | 71.05 | 70.42 | 73.44 | 71.09 |
| Total Assets | 1,216.37 | 1,196.99 | 1,143.45 | 1,142.96 | 1,110.10 | 1,089.57 |
| Total Deposits | 979.25 | 926.42 | 894.34 | 891.54 | 869.61 | 846.02 |
| Total Debt | 37.57 | 67.78 | 53.00 | 52.78 | 38.00 | 33.21 |
| Long Term Debt | 37.57 | 1.90 | 2.77 | 2.38 | 37.37 | 32.36 |
| Provision for Risks Charges | - | 0.00 | 0.06 | 0.04 | 0.05 | 0.00 |
| Deferred Tax Liabilities | - | 4.81 | - | - | - | 5.17 |
| Other Liabilities | 17.23 | 16.17 | 11.60 | 10.14 | 10.51 | 11.39 |
| Total Liabilities | 1,034.05 | 1,015.19 | 959.00 | 954.51 | 918.16 | 895.79 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 182.32 | 181.79 | 184.45 | 188.45 | 191.93 | 193.78 |
| Total Shareholders Equity | 182.32 | 181.79 | 184.45 | 188.45 | 191.93 | 193.78 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 182.32 | 181.79 | 184.45 | 188.45 | 191.93 | 193.78 |
| Total Liabilities & Stockholders Equity | 1,216.37 | 1,196.99 | 1,143.45 | 1,142.96 | 1,110.10 | 1,089.57 |
| Book Value Per Share | 23.03 | 24.88 | 24.64 | 24.26 | 22.12 | 21.83 |
| Tangible Book Value Per Share | 19.83 | 21.38 | 21.19 | 20.90 | 19.08 | 18.82 |
| Full-Time Employees | - | 115 | - | - | - | 119 |
| Price to Book Ratio | 0.82 | 0.80 | 0.70 | 0.71 | 0.69 | 0.64 |
| Return on Assets | 0.32 | 0.29 | 0.29 | 0.26 | 0.28 | 0.35 |
| Return on Equity | 1.99 | 1.79 | 1.71 | 1.49 | 1.57 | 1.91 |
| Return on Invested Capital | 0.49 | 0.51 | 0.47 | 0.44 | 0.30 | 0.36 |
| Current Ratio | 0.65 | 0.09 | 0.08 | 0.11 | 0.09 | 0.09 |
Cash flow, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 1.66 | 1.29 | 1.33 | 1.13 | 2.21 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 1.90 | 0.61 | 2.31 | 0.04 | -0.52 |
| Cash from Operating Activities | - | 3.56 | 1.90 | 3.64 | 1.17 | 1.69 |
| Capital Expenditures | - | -0.12 | -0.85 | -0.49 | -0.08 | -0.18 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 3.60 | 5.98 | -2.61 | 3.57 | 3.52 |
| Purchase of Investments | - | 0.00 | 0.00 | -6.00 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | - | 3.60 | 5.98 | 3.39 | 3.57 | 3.52 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -39.05 | -18.26 | -12.48 | -25.47 | -12.51 |
| Cash Dividends Paid | - | -0.46 | -0.39 | -0.41 | -0.43 | -0.44 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -3.98 | -4.75 | -4.13 | -2.93 | -4.01 |
| Repurchase of Common Pref Stock | - | -3.98 | -4.99 | -4.13 | -2.93 | -4.01 |
| Sale of Common Pref Stock | - | 0.00 | 0.24 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 15.00 | 0.00 | -8.57 | 28.57 | 10.42 |
| Change in Long Term Debt | - | 0.00 | 0.00 | -23.57 | 23.57 | 10.42 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | -23.57 | 23.57 | 10.42 |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | 0.64 | 0.56 | -0.01 | -0.39 | 0.42 |
| Other Financing Activities Uses | - | 0.00 | 0.11 | -0.01 | -0.39 | - |
| Cash from Financing Activities | - | 43.27 | -1.79 | 32.37 | 24.83 | 6.38 |
| Net Change in Cash | - | 7.78 | -18.16 | 23.54 | 0.53 | -4.45 |
| Free Cash Flow | - | 3.44 | 1.76 | 3.15 | 1.10 | 1.51 |
| Price to Free Cash Flow | - | 18.84 | 21.83 | 17.50 | 46.99 | 30.93 |
Revenue breakdown
| Revenue split | - |
|---|
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 3.23% | 0.2M | 6.5M | 24.22K |
| 2026-10-15 | 3.34% | 0.2M | 6.5M | 24.11K |
| 2026-09-30 | 4.26% | 0.3M | 6.5M | 23.70K |
| 2026-09-15 | 3.91% | 0.3M | 6.6M | 28.21K |
| 2026-08-31 | 3.65% | 0.2M | 6.6M | 32.57K |
| 2026-08-14 | 4.01% | 0.3M | 6.6M | 42.33K |
| 2026-07-31 | 3.84% | 0.3M | 6.6M | 44.91K |
| 2026-07-15 | 4.54% | 0.3M | 6.6M | 51.65K |
| 2026-06-30 | 6.09% | 0.4M | 6.6M | 51.49K |
| 2026-06-15 | 4.69% | 0.3M | 6.6M | 47.58K |
| 2026-05-29 | 5.23% | 0.3M | 6.7M | 46.56K |
| 2026-05-15 | 5.86% | 0.4M | 6.7M | 40.58K |
| 2026-04-30 | 6.70% | 0.5M | 6.9M | 41.48K |
| 2026-04-15 | 6.72% | 0.5M | 6.9M | 35.85K |
| 2026-03-31 | 9.05% | 0.6M | 6.9M | 38.22K |
| 2026-03-13 | 6.75% | 0.5M | 6.9M | 39.62K |
| 2026-02-27 | 6.43% | 0.4M | 6.9M | 38.76K |
| 2026-02-13 | 6.51% | 0.4M | 6.9M | 37.26K |
| 2026-01-30 | 6.50% | 0.5M | 7.0M | 32.64K |
| 2026-01-15 | 6.19% | 0.4M | 7.0M | 31.31K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-10-26 | 8-K | Current report | 2026-10-26 | SEC |
| 2026-10-19 | ARS | Annual report to security holders. | 2026-06-30 | SEC |
| 2026-10-19 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-11-18 | SEC |
| 2026-09-25 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-09-17 | 8-K | Current report | 2026-09-17 | SEC |
| 2026-08-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-14 | SEC |
| 2026-07-28 | 8-K | Current report | 2026-07-28 | SEC |
| 2026-07-10 | 8-K | Current report | 2026-07-10 | SEC |
| 2026-07-02 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-06-30 | NT 11-K | 2025-12-31 | SEC | |
| 2026-06-18 | 8-K | Current report | 2026-06-18 | SEC |
| 2026-06-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-05-21 | 8-K | Current report | 2026-05-21 | SEC |
| 2026-05-15 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-04-28 | 8-K | Current report | 2026-04-28 | SEC |
| 2026-04-24 | 8-K | Current report | 2026-04-22 | SEC |
| 2026-03-27 | SCHEDULE 13G/A | SEC | ||
| 2026-03-20 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-19 | SEC |
| 2026-03-19 | 8-K | Current report | 2026-03-19 | SEC |
| 2026-03-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-06 | SEC |
| 2026-03-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-03 | SEC |
| 2026-02-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-23 | SEC |
| 2026-02-17 | SCHEDULE 13G | SEC | ||
| 2026-02-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-02-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-02 | SEC |
| 2026-01-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-29 | SEC |
| 2026-01-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-29 | SEC |
| 2026-01-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-30 | SEC |
| 2026-01-28 | 8-K | Current report | 2026-01-28 | SEC |
| 2025-12-19 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-17 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 5.05K | 1 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 9.50K | 1 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 71.25K | 3 | 0 | 0 |
| 2026-02 | 20.73K | 2 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 20.52K | 2 | 0 | 0 |
| 2025-11 | 25.83K | 3 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 6.14% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.69% |
| Saber Capital Management, LLC | 2.33% |
| RENAISSANCE TECHNOLOGIES LLC | 2.17% |
| MANGROVE PARTNERS IM, LLC | 2.10% |
| DIMENSIONAL FUND ADVISORS LP | 2.09% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.01% |
| ACADIAN ASSET MANAGEMENT LLC | 1.70% |
| STATE STREET CORP | 1.01% |
| NORTHERN TRUST CORP | 0.67% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.62% |
| iShares Russell 2000 ETF | 2.13% |
| VANGUARD EXTENDED MARKET INDEX FUND | 1.01% |
| iShares Russell 2000 Value ETF | 0.89% |
| Fidelity Small Cap Index Fund | 0.87% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.50% |
| U.S. SMALL CAP VALUE PORTFOLIO | 0.48% |
| Fidelity Extended Market Index Fund | 0.39% |
| Dimensional US Small Cap Value ETF | 0.39% |
| iShares Micro-Cap ETF | 0.29% |
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