Seneca Bancorp, Inc. SNNF

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Price alert · SNNF

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13.60 USD -0.16 -1.16%

At close · Oct 30

13.50 Day range 13.50
9.60 52-week range 14.65
YTD
+29.52%
1 year
+36.96%
Open
13.50
Prev close
13.76
Mkt cap
24.49M
Vol
600
Avg vol
2.13K
EPS
0.15
P/E
90.67
More statistics
Low
13.50
High
13.50

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Financial health

Altman Z-Score

0.21 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

9 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C2 / 5 overall

  • DCF 1
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 2
  • P/E 1
  • P/B 4

Valuation

P/E 108×
FY 2016: 43.7×FY 2017: 31.3×FY 2018: 17.7×FY 2019: 15.7×FY 2020: 16.5×FY 2021: 12.4×FY 2022: 12.8×FY 2023: 17.6×FY 2024: 18.1×FY 2025: 108×
FY 2016 5y median 17.6× FY 2025
P/S 1.1×
FY 2016: 3.6×FY 2017: 2.2×FY 2018: 1.8×FY 2019: 1.8×FY 2020: 1.5×FY 2021: 2.3×FY 2022: 2.0×FY 2023: 1.5×FY 2024: 0.8×FY 2025: 1.1×
FY 2016 5y median 1.5× FY 2025
P/B 0.6×
FY 2016: 2.2×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
P/FCF -618×
FY 2016: 22.2×FY 2017: 11.2×FY 2018: -18.9×FY 2019: -18.1×FY 2020: 12.4×FY 2021: 9.2×FY 2022: -58.5×FY 2023: -198×FY 2024: -7.6×FY 2025: -618×
FY 2016 5y median -58.5× FY 2025
EV/EBITDA 65.8×
FY 2016: 66.1×FY 2017: 38.2×FY 2018: 32.5×FY 2019: 28.8×FY 2020: 34.6×FY 2021: 17.1×FY 2022: 17.5×FY 2023: 28.0×FY 2024: 35.2×FY 2025: 65.8×
FY 2016 5y median 28.0× FY 2025
EV/Sales 2.9×
FY 2016: 7.7×FY 2017: 4.9×FY 2018: 4.8×FY 2019: 4.9×FY 2020: 5.1×FY 2021: 4.5×FY 2022: 4.0×FY 2023: 4.1×FY 2024: 3.1×FY 2025: 2.9×
FY 2016 5y median 4.0× FY 2025
FCF Yield -0.2%
FY 2016: 4.5%FY 2017: 8.9%FY 2018: -5.3%FY 2019: -5.5%FY 2020: 8.1%FY 2021: 10.8%FY 2022: -1.7%FY 2023: -0.5%FY 2024: -13.2%FY 2025: -0.2%
FY 2016 5y median -0.5% FY 2025

Profitability

Gross Margin 61.0%
FY 2016: 80.9%FY 2017: 78.3%FY 2018: 77.0%FY 2019: 70.7%FY 2020: 73.3%FY 2021: 87.1%FY 2022: 89.9%FY 2023: 143.3%FY 2024: 63.7%FY 2025: 61.0%
FY 2016 5y median 87.1% FY 2025
Operating Margin 1.1%
FY 2016: 9.1%FY 2017: 10.6%FY 2018: 12.3%FY 2019: 14.4%FY 2020: 25.6%FY 2021: 22.3%FY 2022: 18.8%FY 2023: 10.0%FY 2024: 5.3%FY 2025: 1.1%
FY 2016 5y median 10.0% FY 2025
Net Margin 1.0%
FY 2016: 8.1%FY 2017: 7.0%FY 2018: 10.2%FY 2019: 11.6%FY 2020: 9.4%FY 2021: 18.4%FY 2022: 15.8%FY 2023: 8.4%FY 2024: 4.7%FY 2025: 1.0%
FY 2016 5y median 8.4% FY 2025
ROE 0.5%
FY 2016: 4.9%FY 2017: 2.8%FY 2018: 4.4%FY 2019: 5.3%FY 2020: 3.9%FY 2021: 7.3%FY 2022: 7.7%FY 2023: 3.3%FY 2024: 3.0%FY 2025: 0.5%
FY 2016 5y median 3.3% FY 2025
ROIC 0.2%
FY 2016: 0.4%FY 2017: 1.1%FY 2018: 1.7%FY 2019: 1.9%FY 2020: 2.0%FY 2021: 1.9%FY 2022: 1.5%FY 2023: 0.8%FY 2024: 0.7%FY 2025: 0.2%
FY 2016 5y median 0.8% FY 2025
ROA 0.1%
FY 2016: 0.3%FY 2017: 0.3%FY 2018: 0.4%FY 2019: 0.5%FY 2020: 0.4%FY 2021: 0.8%FY 2022: 0.7%FY 2023: 0.3%FY 2024: 0.3%FY 2025: 0.1%
FY 2016 5y median 0.3% FY 2025

Growth (YoY)

Revenue 10.6%
FY 2016: 10.0%FY 2017: 15.1%FY 2018: 12.3%FY 2019: 14.8%FY 2020: -0.4%FY 2021: 1.0%FY 2022: 6.4%FY 2023: -13.2%FY 2024: 70.4%FY 2025: 10.6%
FY 2016 FY 2025
Operating Income -77.7%
FY 2016: 0.0%FY 2017: 33.3%FY 2018: 30.8%FY 2019: 34.7%FY 2020: 76.4%FY 2021: -12.0%FY 2022: -10.5%FY 2023: -53.7%FY 2024: -9.4%FY 2025: -77.7%
FY 2016 FY 2025
EPS (diluted) -76.1%
FY 2016: 35.0%FY 2017: 3.7%FY 2018: 60.7%FY 2019: 33.3%FY 2020: -16.7%FY 2021: 94.0%FY 2022: -11.3%FY 2023: -51.2%FY 2024: -4.8%FY 2025: -76.1%
FY 2016 FY 2025
Free Cash Flow 98.2%
FY 2016: -47.8%FY 2017: 41.4%FY 2018: -153.8%FY 2019: -21.1%FY 2020: 222.9%FY 2021: 101.1%FY 2022: -114.9%FY 2023: 81.2%FY 2024: -2411.9%FY 2025: 98.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.0×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.1×
FY 2016: 0.0×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 1.1×
FY 2016: 2.6×FY 2017: 1.3×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.7×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 1.2×FY 2024: 1.7×FY 2025: 1.1×
FY 2016 5y median 1.2× FY 2025
Net Debt / EBITDA 40.8×
FY 2016: 35.0×FY 2017: 20.9×FY 2018: 20.2×FY 2019: 18.2×FY 2020: 24.1×FY 2021: 8.4×FY 2022: 8.7×FY 2023: 17.9×FY 2024: 25.7×FY 2025: 40.8×
FY 2016 5y median 17.9× FY 2025
Interest Coverage 0.0×
FY 2016: 0.6×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 1.3×FY 2021: 3.9×FY 2022: 4.2×FY 2023: 0.9×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31