SR Bancorp, Inc. (SRBK) Fair Value 2026

SRBK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.4 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-28, SR Bancorp, Inc. (SRBK) trades at $19.50, versus a $7.68 median fair value across its 5 active models — 60.6% below the current price. QOC: 7.4/10. Value Trap Risk: 0/100 (SAFE). 5/13 models active.

Key Facts

Ticker
SRBK
Price
$19.50
Quality Score
7.4/10
Value Trap Risk
0/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is SR Bancorp, Inc. (SRBK) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, SR Bancorp, Inc. (SRBK) appears overvalued as of : the median of 5 independent fair value estimates is $7.68, 60.6% below the current price of $19.50. Estimates range from $6.03 to $14.35. SRBK scores 7.4/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. SRBK’s -60.6% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy SR Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give SRBK?

5 Intrinsic Value Models vs. Current Price ($19.50)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $8.78 -55.0%
Intrinsic · High Conviction
 $14.35 -26.4%
Unlock the Full Matrix

Access 3 additional models including ML-RIV, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 5 Models →

Cancel anytime · No contracts · Instant access

What Is SRBK's Fair Value Range?

Spread across 5 independent models · $6.03 to $14.35

CirclFi's 5 active models place SR Bancorp, Inc. (SRBK) between $6.03 and $14.35 per share, a spread of 108% of the median. The median of that range — $7.68 — is the fair value CirclFi publishes for SRBK, against a current price of $19.50.

Low · FTNNHigh · Markov DDM
$6.03median $7.68$14.35
Where the range comes from
Most bearish modelFTNN Topology$6.03
Most bullish modelMarkov DDM$14.35
Model agreement0 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for SRBK. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on SRBK, not a CirclFi price target. How each model works →

What Is SR Bancorp, Inc. (SRBK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, SR Bancorp, Inc.'s intrinsic value is estimated at $7.68. Trading at its current price of $19.50, the valuation engine raises significant caution: 5 of 5 models flag downside risk, projecting a median implied return of -60.6%. The most optimistic model, Markov DDM, places fair value at $14.35 (-26.4%), while FTNN — the most conservative — estimates $6.03 (-69.1%). This +42.7% gap reflects genuine analytical uncertainty about SR Bancorp, Inc.'s intrinsic worth.

What Do the Models Say About SRBK?

5 of 13 models are currently active for SRBK. All 5 active models suggest the stock trades above fair value. Taken together, their median fair value for SRBK is $7.68 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does SRBK Rank in Banks - Regional?

Among 352 Banks - Regional stocks, SRBK ranks #278 by Quality of Company score. CirclFi's QOC score of 7.4/10 evaluates 32 fundamental signals. A score of 7.4 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

SR Bancorp, Inc.'s positioning within the Banks - Regional segment means that CET1 capital ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.

Is SRBK a Value Trap?

CirclFi's Value Trap algorithm assigns SRBK a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for SR Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, SR Bancorp, Inc. earns a quality score of 7.4/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +42.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SRBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SRBK's 5 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy SR Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

LYGLloyds Banking Group plcQOC 7.4CVBFCVB Financial Corp.QOC 7.3SHGShinhan Financial Group Co., Ltd.QOC 7.4BAPCredicorp Ltd.QOC 7.3CACCamden National CorporationQOC 7.4ALRSAlerus Financial CorporationQOC 7.3TCBXThird Coast Bancshares, Inc.QOC 8.8LOBLive Oak Bancshares, Inc.QOC 8.3CATYCathay General BancorpQOC 7.9STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: LYG · CVBF · SHG · BAP · CAC · ALRS · TCBX · LOB · CATY · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to SRBK?

7 companies across all industries closest to SRBK’s Quality of Company score of 7.4/10.

LENLennar CorporationQOC 7.4IBTAIbotta, Inc.QOC 7.4ASLEAerSale CorporationQOC 7.4WPCW. P. Carey Inc.QOC 7.4TWSTTwist Bioscience CorporationQOC 7.4HKHCHorizon Kinetics Holding CorporationQOC 7.3NVDANVIDIA CorporationQOC 10.0

Read investment analysis: LEN · IBTA · ASLE · WPC · TWST · HKHC · NVDA

Where Does SRBK Sit in CirclFi's Banks - Regional Rankings?

SRBK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About SR Bancorp, Inc.’s Valuation?

What is SR Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts SR Bancorp, Inc. (SRBK)'s intrinsic value at $7.68 — the median of 5 independent model estimates as of 2026-08-28, ranging from $6.03 to $14.35. The Quality of Company score is 7.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SRBK overvalued or undervalued right now?

At $19.50, 0 of 5 active models suggest SRBK may be undervalued, while 5 indicate potential overvaluation. The median of all 5 fair value estimates is $7.68, 60.6% below the current price of $19.50 — a consensus view that SRBK is overvalued. The assessment depends on which methodology best fits SR Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.4 mean for SRBK?

SR Bancorp, Inc.'s QOC of 7.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on SRBK?

CirclFi analyzes SRBK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on SRBK?

Of the 5 models currently active on SRBK, Markov DDM is the most bullish at $14.35 per share, and FTNN Topology is the most bearish at $6.03. CirclFi's published fair value for SRBK is the median of that range, $7.68, not either extreme. The gap between the two ends equals 108% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is SRBK a value trap in 2026?

SR Bancorp, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, SR Bancorp, Inc. (SRBK) has a median fair value of $7.68 — 60.6% below the current price of $19.50 — as of 2026-08-28.” Source: circlfi.com/stock/SRBK/ · Methodology
Primary sources for this SRBK valuation
  • Financial statements: SR Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001951276) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for SRBK as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 5 mathematical frameworks give you clarity on SRBK.

Unlock All 5 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for SRBK Unlock All 5 — $39/mo