All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2022; the latest 2024-09-30.
From the record
SR Bancorp, Inc.'s filings since 2022 show 2 warning events: a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2024-09-30) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
SI estimate 5.0/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: SR Bancorp, Inc.'s track record is put at 5.0 of 10 with a confidence of 20 of 100, because fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 19 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
How has it treated the people who own it?
Share count grew 5.7% a year. 100% of cash flow returned. Insiders: 0 sales, 17 purchases.
From the record
Over the 2 fiscal years to 2026-06-30, SR Bancorp, Inc.'s diluted share count grew about 5.7% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 17 purchases of their own stock on the open market in the year to 2026-09-30, buying about $168 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 2%: 2¢ of profit per shareholder dollar. Leverage 85%: owes 85¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2026-06-30, SR Bancorp, Inc. earned about 2 cents of profit for every dollar of shareholders' money. Leverage: it owed about 85 cents per dollar of assets, and net share issuance: its share count shrank 9.6% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 20% of 22 in its family; net margin 6.8%.
From the record
SR Bancorp, Inc.'s standing among 22 graded names in its industry family: revenue of $50 million in fiscal 2026 ranks in the bottom 20% by size; a net margin of 6.8% ranks in the bottom 30%; revenue growth of 7.1% a year over the last 1 filed years ranks in the bottom 11% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 21% of 16 in its family for leadership; chief executive since 2026.
From the record
SR Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Pribula, Christopher J (President and CEO, as filed), filing under that title since 2026-06-15, 5 months (bottom 4% of its family); most of the 9 officers and directors filing now have filed since the record of its people begins (2023-09-19), a floor of 3.2 years the record cannot see past, so that part is not read; 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 9 people in charge now (bottom 39%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 35% of 19 in its family for room to expand.
From the record
SR Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2026): cash of $71 million against debt of $65 million leaves 0.5% of its assets as net cash, bottom 18% of its family; cash from operations less capital spending is 19.9% of revenue (top 48%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
SI estimate 5.3/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: SR Bancorp, Inc.'s growth drivers is put at 5.3 of 10 with a confidence of 20 of 100, because the record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 19 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
Did its newest year beat what its own record pointed to?
SI estimate 5.4/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: SR Bancorp, Inc.'s expectations vs reality is put at 5.4 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 17 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made