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SR Bancorp, Inc. Common stock (SRBK)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

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%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR20252024202320222021
DPS0.00%0.00%0.050.000.000.000.000.000.000.000.000.00
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
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)0.890.560.33
Cash Retained (M)4.034.034.03
(-) Cash Required (M)-0.89-0.56-0.33
(=) Excess Retained (M)3.143.483.70
(/) Shares Outstanding (M)8.228.228.22
(=) Excess Retained per Share0.380.420.45
LTM Dividend per Share0.050.050.05
(+) Excess Retained per Share0.380.420.45
(=) Adjusted Dividend0.430.470.50
WACC / Discount Rate6.62%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)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)4.464.424.374.334.294.244.37
Payout Ratio9.61%25.69%41.77%57.85%73.92%90.00%92.50%
Projected Dividends (M)0.431.131.832.503.173.824.04

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate6.62%6.62%6.62%
Growth Rate-2.00%-1.00%0.00%
Year 1 PV (M)1.051.061.08
Year 2 PV (M)1.571.611.64
Year 3 PV (M)2.002.072.13
Year 4 PV (M)2.352.452.55
Year 5 PV (M)2.632.772.91
PV of Terminal Value (M)77.0281.0385.21
Equity Value (M)86.6490.9995.52
Shares Outstanding (M)8.228.228.22
Fair Value$10.54$11.06$11.62
Upside / Downside-30.18%-26.67%-23.03%

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