SNNF
Seneca Bancorp, Inc.
Price Chart
Latest Quote
$12.40
+0.40 (+3.33%)
Current Price
| Previous Close | $12.00 |
| Open | $12.00 |
| Day High | $12.49 |
| Day Low | $12.00 |
| Volume | 336 |
Stock Information
| Shares Outstanding | 1.80M |
| Total Debt | $34.57M |
| Cash Equivalents | $7.21M |
| Revenue | $10.69M |
| Net Income | $-26K |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $22.33M |
| EPS (TTM) | $-0.02 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $49.69M |
| Sales | $10.69M |
| Income | $-26K |
| Book/sh | $18.09 |
| Cash/sh | $4.00 |
| Employees | 57 |
Financial Ratios
Returns & Margins
| ROA | -0.01% |
| ROE | -0.09% |
| Operating Margin | 1.74% |
| Profit Margin | -0.24% |
Ownership
| Insider Ownership | 23.84% |
| Institutional Ownership | 6.00% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.09 |
| P/B | 0.69 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $12.31 |
| SMA50 | $11.93 |
| SMA200 | $10.99 |
| RSI | 66.62 |
| ATR | 0.1221 |
| Shares Float | 1.39M |
| Rel Volume | 3.88 |
Performance History
| Week | +0.00% |
| Month | -0.64% |
| Quarter | +15.46% |
| 6 Months | +25.89% |
| YTD | +17.54% |
| Year | +12.73% |
| 3 Years | +41.71% |
| 5 Years | +20.86% |
| 10 Years | +5.08% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-12 | $12.40 | 2,700 |
| 2026-06-11 | $12.00 | 0 |
| 2026-06-10 | $12.00 | 0 |
| 2026-06-09 | $12.00 | 200 |
| 2026-06-08 | $12.45 | 3,500 |
| 2026-06-05 | $12.40 | 2,000 |
| 2026-06-04 | $12.40 | 0 |
| 2026-06-03 | $12.40 | 0 |
| 2026-06-02 | $12.40 | 0 |
| 2026-06-01 | $12.40 | 0 |
| 2026-05-29 | $12.40 | 0 |
| 2026-05-28 | $12.40 | 0 |
| 2026-05-27 | $12.40 | 0 |
| 2026-05-26 | $12.40 | 400 |
| 2026-05-22 | $11.95 | 300 |
| 2026-05-21 | $12.10 | 2,300 |
| 2026-05-20 | $12.40 | 0 |
| 2026-05-19 | $12.40 | 2,100 |
| 2026-05-18 | $12.43 | 300 |
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.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Revenue | ||
| Total Revenue | $11,105,000 | $9,994,000 |
| Operating Revenue | $11,105,000 | $9,994,000 |
| Expenses | ||
| Interest Expense | $5,731,000 | $5,230,000 |
| Selling And Marketing Expense | $307,000 | $351,000 |
| General And Administrative Expense | $5,719,000 | $5,177,000 |
| Professional Expense And Contract Services Expense | $426,000 | $232,000 |
| Other Non Interest Expense | $2,551,000 | $2,196,000 |
| Income & Earnings | ||
| Net Income From Continuing Operation Net Minority Interest | $172,000 | $712,000 |
| Net Interest Income | $8,896,000 | $8,134,000 |
| Interest Income | $14,627,000 | $13,364,000 |
| Normalized Income | $172,000 | $706,762 |
| Net Income From Continuing And Discontinued Operation | $172,000 | $712,000 |
| Net Income Common Stockholders | $172,000 | $712,000 |
| Net Income | $172,000 | $712,000 |
| Net Income Including Noncontrolling Interests | $172,000 | $712,000 |
| Net Income Continuous Operations | $172,000 | $712,000 |
| Pretax Income | $181,000 | $816,000 |
| Special Income Charges | $0 | $6,000 |
| Depreciation Amortization Depletion Income Statement | $156,000 | $156,000 |
| Depreciation And Amortization In Income Statement | $156,000 | $156,000 |
| Amortization Of Intangibles Income Statement | $156,000 | $156,000 |
| Per Share | ||
| Diluted EPS | - | $0.42 |
| Basic EPS | - | $0.42 |
| Other | ||
| Tax Effect Of Unusual Items | $0 | $762 |
| Tax Rate For Calcs | $0 | $0 |
| Total Unusual Items | $0 | $6,000 |
| Total Unusual Items Excluding Goodwill | $0 | $6,000 |
| Reconciled Depreciation | $560,000 | $530,000 |
| Diluted NI Availto Com Stockholders | $172,000 | $712,000 |
| Tax Provision | $9,000 | $104,000 |
| Amortization | $156,000 | $156,000 |
| Selling General And Administration | $6,026,000 | $5,528,000 |
| Insurance And Claims | $147,000 | $118,000 |
| Salaries And Wages | $5,572,000 | $5,059,000 |
| Occupancy And Equipment | $924,000 | $766,000 |
| Diluted Average Shares | - | $1,704,743 |
| Basic Average Shares | - | $1,703,153 |
| Other Special Charges | - | $-6,000 |
Fetched: 2026-04-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Assets | ||
| Net Tangible Assets | $31,911,000 | $22,862,000 |
| Total Assets | $312,114,000 | $280,939,000 |
| Goodwill And Other Intangible Assets | $840,000 | $996,000 |
| Other Intangible Assets | $428,000 | $584,000 |
| Receivables | $1,479,000 | $1,247,000 |
| Accounts Receivable | $1,479,000 | $1,247,000 |
| Cash And Cash Equivalents | $5,328,000 | $6,788,000 |
| Cash Financial | $2,456,000 | $1,759,000 |
| Cash Cash Equivalents And Federal Funds Sold | $5,328,000 | $6,788,000 |
| Debt | ||
| Net Debt | $30,239,000 | $34,465,000 |
| Total Debt | $35,567,000 | $41,253,000 |
| Long Term Debt And Capital Lease Obligation | $35,567,000 | $41,253,000 |
| Long Term Debt | $35,567,000 | $41,253,000 |
| Liabilities | ||
| Total Liabilities Net Minority Interest | $279,363,000 | $257,081,000 |
| Equity | ||
| Common Stock Equity | $32,751,000 | $23,858,000 |
| Total Equity Gross Minority Interest | $32,751,000 | $23,858,000 |
| Stockholders Equity | $32,751,000 | $23,858,000 |
| Other Equity Interest | $-1,357,000 | $-605,000 |
| Gains Losses Not Affecting Retained Earnings | $-3,646,000 | $-4,484,000 |
| Other Equity Adjustments | $-3,646,000 | $-4,484,000 |
| Retained Earnings | $22,549,000 | $22,377,000 |
| Other | ||
| Treasury Shares Number | $0 | $164,645 |
| Ordinary Shares Number | $1,800,141 | $1,838,278 |
| Share Issued | $1,800,141 | $2,002,923 |
| Tangible Book Value | $31,911,000 | $22,862,000 |
| Invested Capital | $68,318,000 | $65,111,000 |
| Total Capitalization | $68,318,000 | $65,111,000 |
| Treasury Stock | $0 | $1,557,000 |
| Additional Paid In Capital | $15,187,000 | $8,118,000 |
| Capital Stock | $18,000 | $9,000 |
| Common Stock | $18,000 | $9,000 |
| Defined Pension Benefit | $8,005,000 | $7,245,000 |
| Investments And Advances | $20,835,000 | $24,284,000 |
| Goodwill | $412,000 | $412,000 |
| Net PPE | $13,190,000 | $8,797,000 |
| Accumulated Depreciation | $-4,621,000 | $-4,434,000 |
| Gross PPE | $17,811,000 | $13,231,000 |
| Construction In Progress | $4,604,000 | $3,346,000 |
| Machinery Furniture Equipment | $3,231,000 | $2,760,000 |
| Buildings And Improvements | $9,976,000 | $7,125,000 |
| Other Short Term Investments | $20,835,000 | $24,284,000 |
Fetched: 2026-04-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Free Cash Flow | ||
| Free Cash Flow | $-30,000 | $-1,602,000 |
| Operating Activities | ||
| Operating Cash Flow | $4,767,000 | $1,715,000 |
| Cash Flow From Continuing Operating Activities | $4,767,000 | $1,715,000 |
| Operating Gains Losses | $-136,000 | $-93,000 |
| Investing Activities | ||
| Capital Expenditure | $-4,797,000 | $-3,317,000 |
| Investing Cash Flow | $-32,018,000 | $-21,061,000 |
| Cash Flow From Continuing Investing Activities | $-32,018,000 | $-21,061,000 |
| Net Other Investing Changes | $-1,133,000 | $-363,000 |
| Financing Activities | ||
| Repurchase Of Capital Stock | $-836,000 | $-70,000 |
| Issuance Of Capital Stock | $8,574,000 | $0 |
| Financing Cash Flow | $25,791,000 | $22,214,000 |
| Cash Flow From Continuing Financing Activities | $25,791,000 | $22,214,000 |
| Net Other Financing Charges | $-116,000 | $-327,000 |
| Net Common Stock Issuance | $7,738,000 | $-70,000 |
| Common Stock Issuance | $8,574,000 | $0 |
| Other | ||
| Repayment Of Debt | $-63,000,000 | $-6,000,000 |
| Issuance Of Debt | $57,314,000 | $11,753,000 |
| Interest Paid Supplemental Data | $5,780,000 | $5,213,000 |
| Income Tax Paid Supplemental Data | $20,000 | $101,000 |
| End Cash Position | $5,328,000 | $6,788,000 |
| Beginning Cash Position | $6,788,000 | $3,920,000 |
| Changes In Cash | $-1,460,000 | $2,868,000 |
| Common Stock Payments | $-836,000 | $-70,000 |
| Net Issuance Payments Of Debt | $-5,686,000 | $5,753,000 |
| Net Long Term Debt Issuance | $-5,686,000 | $5,753,000 |
| Long Term Debt Payments | $-63,000,000 | $-6,000,000 |
| Long Term Debt Issuance | $57,314,000 | $11,753,000 |
| Net Investment Purchase And Sale | $-1,404,000 | $-11,484,000 |
| Sale Of Investment | $27,153,000 | $1,399,000 |
| Purchase Of Investment | $-28,557,000 | $-12,883,000 |
| Net PPE Purchase And Sale | $-4,797,000 | $-3,317,000 |
| Purchase Of PPE | $-4,797,000 | $-3,317,000 |
| Change In Working Capital | $3,011,000 | $-143,000 |
| Change In Other Current Liabilities | $4,033,000 | $513,000 |
| Change In Other Current Assets | $-790,000 | $-567,000 |
| Change In Receivables | $-232,000 | $-89,000 |
| Changes In Account Receivables | $-232,000 | $-89,000 |
| Other Non Cash Items | $31,000 | $61,000 |
| Stock Based Compensation | $145,000 | $98,000 |
| Deferred Tax | $-26,000 | $94,000 |
| Deferred Income Tax | $-26,000 | $94,000 |
| Depreciation Amortization Depletion | $560,000 | $530,000 |
| Depreciation And Amortization | $560,000 | $530,000 |
| Gain Loss On Sale Of PPE | $0 | $-6,000 |
| Net Income From Continuing Operations | $172,000 | $712,000 |
Fetched: 2026-04-18