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Seneca Financial Corp (SNNF) fair value: what the stock is really worth

As of Nov 11, 2026: fair value (intrinsic value) of Seneca Financial Corp stock $7.72, price $13.45, that is 42.6% below the price, quality 36 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US · ISIN US8170611045

SF Seneca Financial Corp logo Some data Nov 10, 2026

Seneca Financial Corp

SNNF · US
Very expensive, weak quality

Our calculation puts a fair price 43% below what the stock costs today.

Revenue last quarter +38% vs. a year ago.
Expensive Growth (revenue 5y +11.9 %/yr in USD)
Thin margins · 2.3% net margin (TTM)
Insiders bought $5,800 (6M)
Some data
Changed on Nov 4: $13.03 → $7.72
Fair value $7.72 · Strongly overvalued
Quality 36/100
Trails peers (3/12)
Narrow moat 24/100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$14.64 $6.00 Fair Value $7.72 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range $6.00 – $14.64 · fair‑value band $5.79 – $9.65 · the $13.45 price screens above the $7.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

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.

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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.

Stock analysis

Seneca Financial Corp (SNNF) currently trades at $13.45, while our model-based Fair Value estimate is $7.72, 43% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $11.88 per share, and 1 of the 4 models we run sit above the $13.45 price.

Bear case: the Multiples group reads lowest at $7.72, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $5.79 (bear) to $9.65 (bull), the price of $13.45 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Seneca Financial Corp reported revenue of $16.8M in FY2025 versus $9.7M in FY2021, a compound +14.9%/yr. Reported net income was $172K in FY2025, compounding −44.2%/yr from FY2021.

Key figures

Market cap $22.4M Micro · P/E ratio 89.7 · P/S ratio 1.94 · EPS (TTM) $0.1500 · Net margin 2.3% · Return on equity 0.9% · Return on assets (EBIT) 0.5% (5-year average) · Operating margin 5.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 24 out of 100 (medium confidence).

What moves the price

The share trades about 8% below its 52-week high and 39% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −43%, SNNF screens richer than that median.

Fair Value models

Bear $5.79 Fair Value $7.72 Bull $9.65
Price $13.45 · Downside -42.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.1295 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $11.02 $11.47 $12.43 71
P/E Multiple $0.9300 $1.24 $1.55 63
P/B Multiple $10.64 $14.19 $17.74 55
All 4 models by family
Multiples
P/E Multiple $0.9300 $1.24 $1.55 63
P/B Multiple $10.64 $14.19 $17.74 55
Asset-Based
NCAV (Graham) $8.86 $11.88 $17.72 54
Economic Profit
Residual Income $11.02 $11.47 $12.43 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 36/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 12
How much profit the company makes from its sales and capital
Quality Growth 43
Are margins and returns getting better?
Cashflow 53
Do the profits arrive as real cash?
Financial strength 6
Debt, balance sheet and risk of trouble
Investment 24
Does it invest with discipline instead of growing at any price?
Low Volatility 89
How calm the share price moves, does not count
Price momentum 57
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 74
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $5,800, on Sep 3, 2026.

  • BuyJoseph G VitalePresident and CEO, Director400 shares at $14.50$5,800Sep 3, 2026

Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 10, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 47/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+10.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.9%
Start year 2020 (pandemic). Over 10 years: +11.1% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−30.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−30.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−30.7% vs −8.5%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.11% → 1%
Pace: the 5-year rate starts in 2020 (pandemic)

SNNF screens overvalued: fair value 43% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 999 stocks

Beats the industry median on 3/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 36 · Bottom 25%
Fair Value upside −42.6% · Bottom 25%
Profitability
Return on equity (12 months) 0.9% · Bottom 25%
Return on assets 0.1% · Bottom 25%
Net margin (12 months) 2.3% · Bottom 25%
Operating margin (12 months) 5.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 38.3% · Top 25%
Balance sheet
Debt / equity 1.09× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 89.7× · Priciest 25%
P/B 0.68× · Cheapest 25%
P/S (12 months) 1.94× · Cheapest 25%
EV/EBITDA 71.1× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 9
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)4 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 52

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.63 ¥7.59 +35% vs SNNF
China Merchants Bank Co 600036 ¥42.56 ¥52.73 +24% vs SNNF
BNP Paribas SA BNP €95.77 €107.43 +12% vs SNNF
Intesa Sanpaolo S.p.A ISP €6.30 €4.91 −22% vs SNNF
UniCredit S.p.A UCG €84.24 €58.08 −31% vs SNNF
Oversea-Chinese Banking Corporation O39 28.82 SGD 18.20 SGD −37% vs SNNF
Mizuho Financial Group MFG $10.16 $5.87 −42% vs SNNF
DBS Group D05 70.97 SGD 40.39 SGD −43% vs SNNF
HDFC Bank Limited HDFCBANK ₹806.60 ₹406.39 −50% vs SNNF
ICICI Bank Limited ICICIBANK ₹1,572 ₹615.63 −61% vs SNNF

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Seneca Financial Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Seneca Financial Corp Fair Value". https://www.fairvalue-calculator.com/stock/SNNF

Frequently asked questions

Is Seneca Financial Corp (SNNF) overvalued or undervalued?
As of Nov 10, 2026, our model estimates a fair value of $7.72 versus a price of $13.45, about 43% lower (overvalued).
What is the fair value of SNNF?
Our model-based fair value for Seneca Financial Corp is $7.72 (as of Nov 10, 2026), built from audited fundamentals. The current price: $13.45.
What is the quality score of SNNF?
Seneca Financial Corp has a Quality Score of 36/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Seneca Financial Corp (SNNF)?
Our model-based price target is the fair value of $7.72 (as of Nov 10, 2026) from 4 valuation models. Cautious scenario $5.79, optimistic scenario $9.65. It is a calculation from audited fundamentals, not an analyst target.
What is the Seneca Financial Corp stock forecast for 2026?
Our models put fair value at $7.72, about 43% lower versus a price of $13.45 (overvalued). Cautious scenario $5.79, optimistic scenario $9.65. The calculation is refreshed regularly with new filings.
What is the revenue of Seneca Financial Corp (SNNF)?
Seneca Financial Corp reported trailing-twelve-month revenue of about $11.6M (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of Seneca Financial Corp (SNNF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Seneca Financial Corp it is $7.72 per share (as of Nov 10, 2026), against a price of $13.45. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Seneca Financial Corp stock overvalued or undervalued in 2026?
As of Nov 10, 2026, SNNF trades above its calculated fair value: price $13.45, fair value $7.72, a gap of about −43% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SNNF?
No. The price is what the market pays today ($13.45); the fair value is what the company's own numbers justify ($7.72). For Seneca Financial Corp the two are $5.73 per share apart. That gap is exactly why we show both numbers side by side.
How much is Seneca Financial Corp worth?
The market values Seneca Financial Corp at about $22.4M (market capitalisation, as of Nov 10, 2026). Per share that is $13.45; our models calculate a fair value of $7.72 per share.
What do the bullish and bearish scenarios say about SNNF?
Our models span a range for Seneca Financial Corp: cautious scenario $5.79, base $7.72, optimistic $9.65 per share (as of Nov 10, 2026, price $13.45). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SNNF?
Seneca Financial Corp trades at a price-to-earnings ratio of 89.7 (as of Nov 10, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.72 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 17.5. Other multiples: P/B 0.7, P/S 1.9, EV/EBITDA 71.1.
How solid is the balance sheet of Seneca Financial Corp (SNNF)?
Balance-sheet figures for Seneca Financial Corp (as of Nov 10, 2026): return on equity 0.9%, debt of 1.09 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is SNNF from its 52-week high?
Seneca Financial Corp trades at $13.45, about 8% below its 52-week high of $14.64 and 39% above the low of $9.66 (as of Nov 11, 2026). Distance from the high says nothing about value: that is what the fair value of $7.72 is for.
Which stocks are comparable to Seneca Financial Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Seneca Financial Corp stock attractive at the current price?
The data as of Nov 10, 2026: price $13.45, calculated fair value $7.72 (−43%), Quality Score 36/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SNNF calculated?
We run Seneca Financial Corp through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $7.72 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0% above its aggregate fair value. Seneca Financial Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Seneca Financial Corp (SNNF)?
The closing price on Nov 11, 2026 was $13.45. Our model-based fair value is $7.72, about 43% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Seneca Financial Corp right now?
The price sits above even our optimistic bull case ($9.65). The favourable scenario is already priced in. Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Seneca Financial Corp (SNNF) come from?
Earnings per share at Seneca Financial Corp grew +3.3 % a year from 2015 to 2025. Broken into its drivers: revenue per share +11.2 %, EBIT margin −8.2 %, tax rate −0.6 %, residual (interest, one-offs) +1.9 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Seneca Financial Corp

How large is the market capitalisation of Seneca Financial Corp (SNNF)?
The market capitalisation of Seneca Financial Corp is $22.4M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Seneca Financial Corp (SNNF)?
The price-to-sales ratio of Seneca Financial Corp is 1.94 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Seneca Financial Corp (SNNF)?
Earnings per share at Seneca Financial Corp are $0.1500 (price ÷ EPS = P/E 89.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Seneca Financial Corp (SNNF)?
The net margin of Seneca Financial Corp is 2.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Seneca Financial Corp (SNNF)?
The return on equity (ROE) of Seneca Financial Corp is 0.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Seneca Financial Corp (SNNF)?
On an EBIT basis the return on assets of Seneca Financial Corp is 0.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Seneca Financial Corp (SNNF)?
The operating margin of Seneca Financial Corp is 5.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Seneca Financial Corp (SNNF)?
Revenue at Seneca Financial Corp is growing +38.3% versus a year earlier (3y avg +17.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Seneca Financial Corp (SNNF)?
Earnings per share at Seneca Financial Corp are growing −70.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Seneca Financial Corp (SNNF) generate?
The free cash flow of Seneca Financial Corp is −$30.0K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Seneca Financial Corp (SNNF) carry?
The net debt of Seneca Financial Corp is $30.2M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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