Seneca Bancorp, Inc. (SNNF)
Financials · OQX · US
Price as at 1 Oct 2026, 01:40 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Seneca Bancorp, Inc. trades at $13.80, which is 42% below the $19.54 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 17 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 86.3 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
About Seneca Bancorp, Inc.
Seneca Bancorp, Inc. operates as the holding company for Seneca Savings that provides various financial services to individual and corporate customers in the United States. It operates through two business segments: Banking and Wealth Management. The company offers demand, NOW, checking, savings, clubs, money market, and retirement accounts, as well as certificate of deposit accounts and non-interest-bearing deposits. It also provides one-to-four family first lien residential mortgages, residential construction, commercial real estate, home equity loans and lines of credit, and commercial loans, as well as industrial and consumer loans. In addition, the company offers financial planning and investment advisory services, as well as sells various insurance and investment products through broker networks. Further, it engages in online banking business. Seneca Bancorp, Inc. was founded in 1928 and is headquartered in Baldwinsville, New York.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
SNNF passes 2 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
SNNF peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is Seneca Bancorp, Inc. (SNNF) undervalued?
Against our fair value estimate of $19.54, SNNF at $13.80 is 42% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
What is SNNF's P/E ratio?
SNNF trades at 86.3 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Where does SteadyShares get its SNNF data?
Fundamentals for SNNF come from company filings and exchange data, as listed on OQX; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 01:40 UTC and is delayed. Our data quality score for this company is 79/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for SNNF, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.