SR Bancorp, Inc. SRBK

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
31/100
Developing

Ranked against 399 peers in Banks - Regional

About SR Bancorp, Inc.

SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. The company provides deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of … Full SRBK analysis →

Key strengths

  • Strong Capital Position Capital position is strong (score 0.75), exceeding regulatory minimums.

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.14).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.17).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
19
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where SRBK ranks in Banks - Regional

SR Bancorp, Inc. ranks #316 of 393 scored companies in Banks - Regional by moat score — the top 80%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
312 Banco Macro S.A. BMA 31/100 Developing
313 ConnectOne Bancorp, Inc. CNOB 31/100 Developing
314 ConnectOne Bancorp, Inc. - Depo CNOBP 31/100 Developing
315 Finward Bancorp FNWD 31/100 Developing
316 SR Bancorp, Inc. SRBK 31/100 Developing
317 Banco Bradesco Sa BBD 31/100 Developing
318 Inter & Co. Inc. INTR 30/100 Developing
319 First Western Financial, Inc. MYFW 30/100 Developing
320 MainStreet Bancshares, Inc. - D MNSBP 30/100 Developing

See every Banks & Lenders company ranked by moat score →

How SRBK scores on the Bank Specialized defenses

Deposit Franchise

Score 19 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 23 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 49 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 20 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 54 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 22 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding SRBK's moat

What is SR Bancorp, Inc.'s moat score?

SR Bancorp, Inc. (SRBK) scores 31 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #316 of 393 scored companies in Banks - Regional, the top 80%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (54/100) and its weakest is Deposit Franchise (19/100).

How does SR Bancorp, Inc. compare with other Banks - Regional companies?

SR Bancorp, Inc. ranks #316 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Finward Bancorp (FNWD) at 31 just above it and Banco Bradesco Sa (BBD) at 31 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is SR Bancorp, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for SR Bancorp, Inc.?

The Bank Specialized template measures 6 defenses, and SRBK scores: Deposit Franchise (19), Lending Advantage (23), Capital Strength (49), Cost Discipline (20), Revenue Diversification (54), Risk Management (22). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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