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SR Bancorp, Inc.: Business Overview, Financials & Competitive Analysis

SR Bancorp is the holding company for Somerset Regal Bank, which provides retail and commercial banking services to individuals, businesses, and local municipalities in Essex, Hunterdon, Middlesex, Morris, Somerset, a...

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What's in This Report
SR Bancorp, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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5/ 10Mixed

Cyborg Score thesis

Small-cap regional bank with improving operational metrics and shareholder-friendly capital allocation, but limited scale and...

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Industry Community banking
3 named competitors
4 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: June 22, 2026
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SR Bancorp, Inc. Overview

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SR Bancorp is the holding company for Somerset Regal Bank, which provides retail and commercial banking services to individuals, businesses, and local municipalities in Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. The company completed its mutual-to-stock conversion and related stock offering on September 19, 2023, transitioning from a mutual holding structure to public equity ownership.

Strategic Profile

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In Q1 2026, the company reported net income of $886,000, or $0.12 per share, compared to $537,000 in Q1 2025. In May 2026, the company authorized its third stock repurchase program for up to 10% of outstanding shares, demonstrating management confidence and shareholder-friendly capital allocation. Christopher Pribula succeeded William P. Taylor as CEO effective January 1, 2026.

Competitive Landscape

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SR Bancorp competes with regional and community banks serving New Jersey, including larger peers such as Valley National Bank, Investors Bancorp, and local credit unions. The company's focused geographic presence in six central and northern New Jersey counties provides some competitive insulation from larger statewide competitors, though limited scale constrains pricing power and product breadth.

Industry Context

SR Bancorp, Inc. operates in Community banking.

Key facts

Founded: N/A · Headquarters: Bound Brook, New Jersey, US · Employees: N/A · Revenue: $8.27M (Q1 2026) · Market cap: N/A

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

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Valley National BankRegional bank serving NortheastInvestors BankMid-size regional bank in New Jersey and New YorkM&T BankLarge regional bank in Northeast

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Industry context

SR Bancorp, Inc. operates in Community banking. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does SR Bancorp, Inc. do?+
SR Bancorp is the holding company for Somerset Regal Bank, which provides retail and commercial banking services to individuals, businesses, and local municipalities in Essex, Hunterdon, Middlesex, Morris, Somerset, a...
What is SR Bancorp, Inc.'s Cyborg Score?+
SR Bancorp, Inc. has a Cyborg Score of 5/10 (Mixed). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are SR Bancorp, Inc.'s main competitors?+
Named competitors include Valley National Bank, Investors Bank, M&T Bank. The full competitive landscape is in the AskCyborg report.
How can I get the full SR Bancorp, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the SR Bancorp, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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