SR Bancorp, Inc. (SRBK) vs Winchester Bancorp, Inc. (WSBK)

SR Bancorp, Inc. and Winchester Bancorp, Inc. are both Banks Regional companies. SR Bancorp, Inc. and Winchester Bancorp, Inc. are of similar size ($134.0M and $122.3M). Winchester Bancorp, Inc. trades at the lower P/E: 26.3× against 42.2×. Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 18.7% against 3.49%. Winchester Bancorp, Inc. has the higher net margin (8.70% vs 6.47%) and the lower return on invested capital (1.40% vs 1.61%). Across the 16 metrics below, Winchester Bancorp, Inc. leads on 9 and SR Bancorp, Inc. on 7.

Valuation

Metric SRBK WSBK Banks Regional median
P/E 42.22 26.25 12.02
P/S 2.75 2.26 2.36
P/B 0.78 1.02 1.23
Price to free cash flow 14.40 21.76 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.37% 3.81% 8.21%
Free cash flow yield 6.94% 4.60% 9.23%

Profitability

Metric SRBK WSBK Banks Regional median
Gross margin 64.58% 51.81% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.47% 8.70% 18.82%
Free cash flow margin 19.08% 10.37% 17.97%
Return on equity 1.79% 4.00% 10.28%
Return on assets 0.29% 0.44% 1.13%
Return on invested capital 1.61% 1.40% 8.45%

Growth

Metric SRBK WSBK Banks Regional median
Revenue growth (TTM) 3.49% 18.74% 6.37%
EPS growth (last fiscal year) (27.66%) 590.00% 18.85%
Revenue growth, 5-year CAGR 28.50% — 12.65%
Net income growth, 5-year CAGR 12.38% — 9.81%

Health

Metric SRBK WSBK Banks Regional median
Debt to equity 0.36 1.25 0.17
Current ratio 1.06 1.15 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SRBK WSBK Banks Regional median
Dividend yield 1.16% — 2.49%
Payout ratio 0.49 — 0.29

Size

Metric SRBK WSBK Banks Regional median
Market cap 133.97m 122.31m 934.85m

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