SR Bancorp (SRBK) Q4 2026: In-Line EPS, Revenue Miss Explained

SR Bancorp reported Q4 2026 earnings per share of $0.13, exactly matching analyst estimates and continuing a recovery from the steep loss of $0.32 posted in Q4 2024. The headline revenue figure came in at $8.58 million against an estimate of $8.60 million, a modest shortfall that looks worse on paper than it was in practice — the gap largely reflects the absence of one-time insurance gains that padded the year-ago quarter's results.

Beneath the surface, the operating picture was more encouraging. Core net interest income grew 7.8% and loan growth accelerated, both signs that the bank's underlying business is gaining traction. Those trends matter more to investors tracking SR Bancorp's trajectory than the narrow revenue miss, which the company's own SEC filing attributes to the non-recurring nature of last year's insurance income rather than any deterioration in lending or deposit activity.

Looking at the recent EPS history, SR Bancorp has posted three consecutive quarters of positive earnings heading into Q4 2026, with results of $0.09 and $0.10 in Q2 and Q3 2026 respectively. The $0.13 print this quarter represents the strongest per-share result in that stretch, suggesting the momentum in net interest income and loan growth is beginning to show up in the bottom line.