SRBK at a glance
SR Bancorp, Inc. (SRBK, SEC CIK 1951276) filed its latest 10-K annual report on September 25, 2026, a 10-Q quarterly report on May 15, 2026, an 8-K current report on September 17, 2026 and Form 4 insider filings as recently as August 17, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended June 30, 2026 (FY2026), SR Bancorp, Inc. (SRBK) reported revenue of $49.6 million (up 7.0% from FY2025) and net income of $3.4 million. Diluted EPS was $0.44.
- As of June 30, 2026, 19 institutional investment managers tracked by SignalX reported holding SR Bancorp, Inc. (SRBK) shares worth $32.2 million in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Mustard Robert Kenneth on August 14, 2026 of 250 shares at $20.21 per share.
- In the last 90 days, SRBK insiders reported 1 open-market purchase ($5K) and 0 open-market sales ($0) on Form 4, a net purchase of $5K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2026
- $49.6M
- +7.0% vs prior year
- Insiders · 90 days
- 1 buy · 0 sells
- Net +$5K
- 13F holders
- 19 funds
- $32.2M · +0 vs prior quarter
- Latest 8-K
- Sep 17, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Jun 30, 2026
Business Overview
- Core business: Bank holding company owning Somerset Regal Bank offering deposit and loan products in northern and central New Jersey
- New emphasis on commercial lending expertise and loan portfolio diversification post-Sep 2023 merger of Somerset Bank with Regal Bank
- Strategic shift: Enhanced commercial loan originations with commercial loans increasing to 45.7% of total loan portfolio at June 30, 2026
- Quantitative: Total assets $1.19B, deposits $926.4M, loan portfolio grew 13.0% from $800.2M to $904.5M from 2025 to 2026
- Noteworthy: Completed mutual-to-stock conversion, sold 9.1M shares at $10/share, and made $69.5M cash acquisition of Regal Bancorp in 2023 Merger
Management Discussion & Analysis
- Revenue: Interest income $49.6M, up 7.0% YoY from $46.3M; noninterest income $2.2M, down 40.7% from $3.7M mainly due to $1.5M life insurance gain in prior year
- Profitability: Net income $3.4M vs $5.1M YoY; net interest margin 3.04% vs 2.93%; net interest income $31.2M up 5.6%
- Best segment: Loan portfolio grew $104M (13.0%) driven by residential mortgage +$48.5M and multi-family commercial loans +$33.0M; worst segment: noninterest income down $1.5M mostly from life insurance proceeds loss
- Cash flow & capital: Deposits up $80.4M to $926.4M; borrowings increased $35.0M to $65.0M; repurchased 978,778 shares for $16.0M; dividends paid $1.6M; originated $155.1M loans, purchased $40.5M loans
- Outlook & risks: Focus on expanding lending, maintaining asset quality (no non-performing loans); managing interest rate risk with diversified loan portfolio; well-capitalized; potential EVE decline up to 29.2% if rates rise 400bps
Risk Factors
- Non-compliance risk under USA PATRIOT Act and Bank Secrecy Act may result in fines or sanctions, affecting acquisitions or branch establishment
- Local New Jersey economic downturn could increase non-performing loans; $885.7 million (97.9%) of loans secured by local real estate collateral
- Heavy reliance on third-party brokers for residential ($40.5M, 41.3%) and multi-family ($91.1M, 100%) loan originations risks business disruption
- Competition from larger, more diversified financial institutions with better pricing and technology threatens market share and net interest margin
- Certificates of deposit due within one year total $257.4 million (27.8% of deposits), exposing liquidity risk if unable to renew or replace funds
AI summary of the SRBK 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Mar 31, 2026
Management Discussion & Analysis
- Total assets $1.14B, up $59.0M or 5.4% from June 30, 2025, driven by $61.9M loan growth
- Loans receivable $859.1M, up $61.9M or 7.8%, led by commercial loans up $33.9M
- Residential mortgages largest portfolio at $454.5M or 52.7%; consumer loans smallest at $14.1M or 1.64%
- Cash and equivalents $63.7M, up $5.9M or 10.2%; FHLB borrowings increased $20.0M
- Equity declined $9.3M to $184.5M after $12.3M share repurchases and $1.2M dividends
Risk Factors
- No risk-factors section provided; supplied text covers securities repurchases, defaults, trading plans, exhibits, and signatures
- Share-repurchase authorization: 295,527 shares repurchased during the quarter at disclosed monthly average prices
- Capital-allocation risk: 590,610 shares remained available under the July 8, 2025 authorization
- Insider-trading compliance: no directors or executive officers adopted or terminated Rule 10b5-1 plans during the quarter
AI summary of the SRBK 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Quarterly cash dividend declared at $0.06 per share
- October 15, 2026 payment date for shareholders of record September 30, 2026
Item EX-99.1: Item EX-99.1
- Quarterly cash dividend of $0.06 per share signals management confidence in current financial capacity
- Payment date October 15, 2026; shareholder eligibility requires record ownership on September 30, 2026
Item 2.02: Results of Operations and Financial Condition
- Q4 and fiscal-year results ended June 30, 2026, released July 28, 2026
- Exhibit 99.1 contains the detailed earnings release and financial results
Item 8.01: Other Events
- Unauthorized actor accessed Mercadien servers containing certain Bank customer data
- Exposed information may include names, Social Security numbers, account numbers, identification documents, and birth dates
AI summaries of SRBK 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for SRBK
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Mustard Robert Kenneth | Buy | Aug 14, 2026 | 250 | $20.21 |
| Pribula Christopher J | Buy | Jun 15, 2026 | 500 | $18.99 |
| Faqueri Harris M | Buy | Mar 16, 2026 | 3,000 | $16.40 |
| Davey Mary E | Buy | Mar 6, 2026 | 320 | $16.30 |
| Viotto Neil C | Buy | Mar 3, 2026 | 604 | $16.75 |
| Viotto Neil C | Buy | Mar 3, 2026 | 299 | $17.04 |
| Viotto Neil C | Buy | Mar 3, 2026 | 97 | $16.67 |
| Lupo Thomas | Buy | Feb 23, 2026 | 1,000 | $16.47 |
Financial SummaryXBRL
| Metric | FY2024 | FY2025 | FY2026 |
|---|---|---|---|
| Profitability | |||
| Revenue | $40.9M | $46.3M | $49.6M |
| Net Income | -$10.9M | $5.1M | $3.4M |
| Net Margin | -26.6% | 11.1% | 6.8% |
| Balance Sheet | |||
| Total Assets | - | $1.1B | $1.2B |
| Equity | $199.5M | $193.8M | $181.8M |
| ROE | -5.4% | 2.7% | 1.8% |
| Per Share | |||
| EPS | $-1.59 | $0.61 | $0.44 |
| Cash Flow | |||
| Operating CF | -$1.7M | $4.7M | $10.7M |
| CapEx | $1.1M | $433K | $820K |
Source: XBRL data in SR Bancorp, Inc. (SRBK)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate SRBK share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 19 | $32.2M |
| Q1 2026 | 19 | $27.2M |
| Q4 2025 | 18 | $25.5M |
| Q3 2025 | 17 | $24.4M |
| Q2 2025 | 13 | $21.1M |
| Q1 2025 | 9 | $9.9M |
| Q4 2024 | 6 | $10.0M |
| Q3 2024 | 4 | $4.1M |
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- Morgan Stanley−394 (-3%)
- AQR Capital Management+14.6K
- Raymond James Financial−24.3K
Source: 13F-HR filings on SEC EDGAR (aggregated from 105 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
SRBK filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 10-K | Sep 25, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Sep 17, 2026 | - | Analysis | - |
| 4 | Aug 17, 2026 | - | - | - |
| 8-K | Jul 28, 2026 | - | Analysis | - |
| 8-K | Jul 10, 2026 | - | Analysis | - |
| 8-K | Jun 18, 2026 | - | Analysis | - |
| 4 | Jun 15, 2026 | - | - | - |
| 10-Q | May 15, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 28, 2026 | - | Analysis | - |
| 8-K | Apr 24, 2026 | - | Analysis | - |
| 4 | Mar 20, 2026 | - | - | - |
| 8-K | Mar 19, 2026 | - | Analysis | - |
| 4 | Mar 6, 2026 | - | - | - |
| 4 | Mar 3, 2026 | - | - | - |
| 4 | Feb 24, 2026 | - | - | - |
| SC 13G | Feb 17, 2026 | - | - | |
| 10-Q | Feb 13, 2026 | Dec 31, 2025 | Analysis | |
| 4 | Feb 3, 2026 | - | - | |
| 4 | Jan 30, 2026 | - | - | |
| 4 | Jan 30, 2026 | - | - | |
| 4 | Jan 30, 2026 | - | - | |
| 8-K | Jan 28, 2026 | - | - | |
| 4 | Dec 19, 2025 | - | - | |
| 4 | Dec 19, 2025 | - | - | |
| 4 | Dec 19, 2025 | - | - |
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SRBK SEC filings: frequently asked questions
Are SRBK insiders buying or selling?
In the last 90 days, SR Bancorp, Inc. (SRBK) officers, directors and 10% owners reported 1 open-market purchase worth $5,053 by 1 insider and no open-market sales on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold SRBK stock?
As of June 30, 2026, the largest SR Bancorp, Inc. (SRBK) holders among the 13F filers tracked by SignalX were BlackRock ($9.8 million), Vanguard Capital Management LLC ($5.9 million), Renaissance Technologies LLC ($3.5 million), Mangrove Partners ($3.4 million), Dimensional Fund Advisors ($2.9 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was SRBK's revenue in fiscal year 2026?
For the fiscal year ended June 30, 2026 (FY2026), SR Bancorp, Inc. (SRBK) reported revenue of $49.6 million (up 7.0% from FY2025) and net income of $3.4 million. Diluted EPS was $0.44. The figures come from the XBRL data in the 10-K.
What are the main risks in SRBK's latest 10-K?
In the 10-K filed September 25, 2026, SR Bancorp, Inc. (SRBK) flagged: Non-compliance risk under USA PATRIOT Act and Bank Secrecy Act may result in fines or sanctions, affecting acquisitions or branch establishment. Local New Jersey economic downturn could increase non-performing loans; $885.7 million (97.9%) of loans secured by local real estate collateral. (AI summary of the Risk Factors section.)
What did SRBK report in its latest 8-K?
SR Bancorp, Inc. (SRBK) filed an 8-K on September 17, 2026 reporting Item 8.01 (Other Events). Quarterly cash dividend declared at $0.06 per share.
What are the latest SRBK SEC filings?
SR Bancorp, Inc. (SRBK) filed its latest 10-K annual report on September 25, 2026, a 10-Q quarterly report on May 15, 2026, an 8-K current report on September 17, 2026 and a Form 4 insider filing on August 17, 2026.
What is SRBK's SEC CIK number?
SR Bancorp, Inc. (SRBK)'s SEC Central Index Key (CIK) is 1951276. EDGAR lists every SRBK filing under that number.
Ask anything about SRBK
The research agent reads SRBK's filings, financials, insider trades and 13F holders, then answers with sources.