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Seneca Bancorp(OTC) SNNF

Market Cap$26.17MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2017)+19%
5 Year+44%
1 Year+28%
1 Month+20%
$13.90
-4.39%
-0.64Today
Seneca Bancorp last closing stock price
MetricPriceDate
Last closeUSD 14.542026-08-17
Seneca Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+14.47%USD 12.702026-08-07
1 month+20.14%USD 12.102026-07-17
3 month+17.24%USD 12.402026-05-19
Year to date+38.45%USD 10.502025-12-31
1 year+28.22%USD 11.342025-08-12
3 year+60.71%USD 9.052023-08-09
5 year+44.39%USD 10.072021-08-16
Since inception+19.31%USD 12.192017-10-12

Seneca Bancorp Financials at a Glance

Market Cap

$26.17MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$17.81M

Net Income (TTM)

$263.00K

EPS (TTM)

$0.15

P/E Ratio

98.29

Dividend

$0.00

Beta (Volatility)

-0.04 (Low)

Price

$13.90

Volume

1,600

Open

$13.75

Previous Close

$14.54

Daily Range

$13.75 - $13.90

52-Week Range

$9.60 - $15.08

Estimated Earnings Date

May 11, 2026

SNNF News

No articles available.

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About Seneca Bancorp

Seneca Bancorp offers banking and wealth management for local businesses and individuals. Its services help people manage money, save for retirement, and access loans. The company supports community needs, from home buying to business growth.

Banking, But Make It Local: Products and Services

  • Community Banking: Checking, savings, and retirement accounts for individuals and small businesses (banking segment: 80%+ of revenue).
  • Lending Services: Home, construction, business, and personal loans for local borrowers (loan interest: 84.5% of total interest income).
  • Wealth Management: Financial planning, retirement plan management, and investment advice (Financial Quest: 43.9% of non-interest income).
  • Insurance Products: Life insurance and annuities sold through brokers, mainly for retirement planning.
  • Specialty Lending: Limited loans to the cannabis industry, focused on commercial real estate and equipment.

Branching Out: Growth and Expansion Moves

  • Opened a new branch in Manlius, NY in June 2025.
  • Acquired a $131.6 million retirement plan book for Financial Quest in February 2024.
  • Purchased land for future branches in Camillus (opening 2027) and Clay (planned for 2028).
  • Entered cannabis-related lending in 2024 with a $1.5 million loan.
  • Expanded technology-based deposit products and cash management tools since 2024.

Why Seneca? The Quirks That Count

Seneca focuses on Central New York, building strong local relationships and serving niche markets. Its shift toward commercial lending and wealth management diversifies income and reduces risk. Technology upgrades and new branches support growth and customer retention.

Five Things You Need to Know

  • Total assets reached $312.1 million at December 31, 2025, up 11.1% year-on-year.
  • Interest income was $14.6 million in 2025, up 9.5% from 2024.
  • Non-interest income rose 18.4% to $2.2 million in 2025.
  • Net income fell 75.8% to $172,000 in 2025 due to higher expenses and loan losses.
  • Wealth management assets under management grew to $259.3 million, up 11% year-on-year.

Bottom Line

Seneca has evolved from a traditional community bank to a diversified financial services provider. Its focus on local markets, commercial lending, and wealth management supports adaptability in a changing industry.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

61

CEO

Joseph G. Vitale

Website

www.senecasavings.com

Headquarters

Baldwinsville, NY 13027, US

SNNF Financials

Key Financial Metrics (TTM)

Gross Margin

64.85%

Operating Margin

1.52%

Net Income Margin

1.48%

Return on Equity

0.86%

Return on Capital

0.26%

Return on Assets

0.08%

Earnings Yield

1.02%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$26.17MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.80M

Volume

1.60K

Avg. Volume

1.54K

Financials (TTM)

Gross Profit

$11.55M

Operating Income

$271.00K

EBITDA

$611.00K

Operating Cash Flow

$5.44M

Capital Expenditure

-$3.23M

Free Cash Flow

$2.21M

Cash & ST Invst.

$1.74M

Total Debt

$34.63M

Seneca Bancorp Performance Analysis

Seneca Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 10,293,0006.4%
20232023-12-31USD 12,805,00024.4%
20242024-12-31USD 15,224,00018.9%
20252025-12-31USD 16,836,00010.6%
Seneca Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-306.0%
Q42025-12-310.9%
Q12026-03-310.4%
Q22026-06-303.6%
Seneca Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.86-10.9%
20232023-12-31USD 0.42-51.0%
20242024-12-31USD 0.40-4.1%
20252025-12-31USD 0.10-75.7%
Seneca Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30190.9%
Q42025-12-31-80.6%
Q12026-03-31-256.7%
Q22026-06-30283.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$4.59M

+11.3%

Gross Profit

$3.11M

+38.3%

Gross Margin

67.81%

N/A

Market Cap

$26.17MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$443.63K

N/A

Employees

59

N/A

Net Income

$93.00K

+147.4%

EBITDA

$79.00K

+134.2%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$1.74M

-86.4%

Total Debt

$34.63M

-14.6%

Accounts Receivable

$1.51M

N/A

Inventory

$0.00

N/A

Long Term Debt

$30.63M

-20.6%

Short Term Debt

$4.00M

+100.0%

Return on Assets

0.08%

N/A

Return on Invested Capital

0.09%

N/A

Free Cash Flow

$1.10M

N/A

Operating Cash Flow

$1.32M

N/A

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Questions About SNNF

What is the current price of Seneca Bancorp?

Seneca Bancorp is trading at $13.90 per share.

What is the 52-week range for Seneca Bancorp?

Over the past 52 weeks, Seneca Bancorp has traded between $9.60 and $15.08.

How much debt does Seneca Bancorp have?

As of the most recent reporting period, Seneca Bancorp reported total debt of $34.63M.

How much cash does Seneca Bancorp have on hand?

Seneca Bancorp does not have cash on hand data available.

What is Seneca Bancorp’s dividend yield?

Seneca Bancorp does not currently have a dividend yield.

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