DDM Analysis: SRBK

Valuation Snapshot

Stable Growth	$4.93 - $7.58	$6.17
Multi-Stage	$10.54 - $11.62	$11.06
Blended Fair Value	$8.62
Current Price	$15.09
Upside	-42.90%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021
DPS	0.00%	0.00%	0.05	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	0.36%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	4.46
(-) Cash Dividends Paid (M)	0.43
(=) Cash Retained (M)	4.03

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	0.89	0.56	0.33
Cash Retained (M)	4.03	4.03	4.03
(-) Cash Required (M)	-0.89	-0.56	-0.33
(=) Excess Retained (M)	3.14	3.48	3.70
(/) Shares Outstanding (M)	8.22	8.22	8.22
(=) Excess Retained per Share	0.38	0.42	0.45
LTM Dividend per Share	0.05	0.05	0.05
(+) Excess Retained per Share	0.38	0.42	0.45
(=) Adjusted Dividend	0.43	0.47	0.50
WACC / Discount Rate	6.62%	6.62%	6.62%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$4.93	$6.17	$7.58
Upside / Downside	-67.30%	-59.13%	-49.77%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	4.46	4.42	4.37	4.33	4.29	4.24	4.37
Payout Ratio	9.61%	25.69%	41.77%	57.85%	73.92%	90.00%	92.50%
Projected Dividends (M)	0.43	1.13	1.83	2.50	3.17	3.82	4.04

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.62%	6.62%	6.62%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	1.05	1.06	1.08
Year 2 PV (M)	1.57	1.61	1.64
Year 3 PV (M)	2.00	2.07	2.13
Year 4 PV (M)	2.35	2.45	2.55
Year 5 PV (M)	2.63	2.77	2.91
PV of Terminal Value (M)	77.02	81.03	85.21
Equity Value (M)	86.64	90.99	95.52
Shares Outstanding (M)	8.22	8.22	8.22
Fair Value	$10.54	$11.06	$11.62
Upside / Downside	-30.18%	-26.67%	-23.03%

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SR Bancorp, Inc. Common stock (SRBK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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