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

As of Sep 25, 2026: fair value of Seneca Financial Corp $1.41, price $13.35, upside -89.4%, quality 33 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US8170611045

SF Seneca Financial Corp logo Thin data Sep 27, 2026

Seneca Financial Corp

SNNF · US

Structural break: The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.

Weakest SetupStrongly overvalued and low quality.

!Fair value $1.41 · Strongly overvalued (−89.4%)
!Quality 33/100
!Expensive Growth (revenue 5y +11.9 %/yr)
!Loss over the last twelve months · -0.2% net margin (TTM) · fiscal year 2025 1.0%
!Moderate debt · negative free cash flow
!Trails peers (3/11)
!Narrow moat 20/100
!Evidence only low, so the estimate is less certain
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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 $1.41 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range $6.00 – $14.64 · fair‑value band $1.06 – $1.77 · the $13.35 price screens above the $1.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 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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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.

Stock analysis

Seneca Financial Corp (SNNF) currently trades at $13.35, while our model-based Fair Value estimate is $1.41, implying the stock looks roughly 847.0% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $12.19 per share, and 0 of the 4 models we run sit above the $13.35 price.

Bear case: the Multiples group reads lowest at $1.24, and 4 of the 4 models stay below the price. Evidence for this calculation is low.

Scenario range: $1.06 (bear) to $1.77 (bull), the price of $13.35 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 33/100 (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 $24.0M · P/S ratio 2.06 · EPS (TTM) $−0.0200 · Net margin 1.0% · Return on equity −0.1% · Return on assets (EBIT) 0.5% · Operating margin 1.7% · Revenue (TTM) $10.7M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 9% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −89%, SNNF screens richer than that median.

Fair Value models

Bear $1.06 Fair Value $1.41 Bull $1.77
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income $12.05 $10.98 $10.44 71
P/E Multiple $0.9300 $1.24 $1.55 63
P/B Multiple $1.22 $1.62 $2.03 55
All 4 models by family
Multiples
P/E Multiple $0.9300 $1.24 $1.55 63
P/B Multiple $1.22 $1.62 $2.03 55
Asset-Based
NCAV (Graham) $9.09 $12.19 $18.19 54
Economic Profit
Residual Income $12.05 $10.98 $10.44 71

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Quality Score breakdown

Overall quality 33/100

Of which business quality 34 · Market factors (momentum, volatility) 69

Profitability 12
Margins and returns on capital today
Quality Growth 43
Are margins and returns improving?
Cashflow 53
Earnings quality: real cash, not paper profit
Fin. Strength 6
Balance sheet, leverage, solvency risk
Investment 24
Disciplined investing over empire-building
Low Volatility 86
Calm price path (market factor)
Momentum 60
Price trend over the last 3–12 months (market factor)
52W Momentum 64
Distance to the 52-week high (market factor)
Net Issuance 80
Share count: buybacks or dilution?

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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%
Start year 2020 (pandemic)

SNNF screens 847% overvalued. Compare with DBS Group →

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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 · 1039 stocks

Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 33 · Bottom 25%
Fair Value upside −89.4% · Bottom 25%
Profitability
Return on assets 0.0% · Bottom 25%
Net margin (TTM) −0.2% · Bottom 25%
Operating margin (TTM) 1.7% · Bottom 25%
Growth and dividend
Revenue growth 16.9% · Above median
Balance sheet
Debt / equity 1.09× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/B 0.73× · Cheapest 25%
P/S (TTM) 2.24× · Cheapest 25%
EV/EBITDA 73.1× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 10
FUTURE (revenue growth)85 · sector 47
PAST (return on equity)0 · sector 41
HEALTH (low debt)46 · sector 85
DIVIDEND (yield)0 · sector 52

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

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
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €83.95 €77.62 −8%
Intesa Sanpaolo S.p.A ISP €6.79 €4.02 −41%
Mizuho Financial Group MFG $11.07 $6.86 −38%
BNP Paribas SA BNP €99.30 €105.99 +7%
HDFC Bank Limited HDFCBANK ₹735.60 ₹406.44 −45%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
CaixaBank, S.A CABK €13.23 €8.46 −36%
ICICI Bank Limited ICICIBANK ₹1,327 ₹615.71 −54%

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Seneca Financial Corp · Fair Value
$1.41 −847%Fair Value
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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 Sep 27, 2026, our model estimates a fair value of $1.41 versus a price of $13.35, about −89% upside (overvalued).
What is the fair value of SNNF?
Our model-based fair value for Seneca Financial Corp is $1.41 (as of Sep 27, 2026), built from audited fundamentals. The current price: $13.35.
What is the quality score of SNNF?
Seneca Financial Corp has a Quality Score of 33/100. 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 $1.41 (as of Sep 27, 2026) from 4 valuation models. Cautious scenario $1.06, optimistic scenario $1.77. 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 $1.41, about −89% upside versus a price of $13.35 (overvalued). Cautious scenario $1.06, optimistic scenario $1.77. 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 $10.7M (latest available figure, as of Sep 27, 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 $1.41 per share (as of Sep 27, 2026), against a price of $13.35. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Seneca Financial Corp stock overvalued or undervalued in 2026?
As of Sep 27, 2026, SNNF trades above its calculated fair value: price $13.35, fair value $1.41, a gap of about −89% (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 ($13.35); the fair value is what the company's own numbers justify ($1.41). For Seneca Financial Corp the two are $11.94 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 $24.0M (market capitalisation, as of Sep 27, 2026). Per share that is $13.35; our models calculate a fair value of $1.41 per share.
What do the bullish and bearish scenarios say about SNNF?
Our models span a range for Seneca Financial Corp: cautious scenario $1.06, base $1.41, optimistic $1.77 per share (as of Sep 27, 2026, price $13.35). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Seneca Financial Corp (SNNF)?
Balance-sheet figures for Seneca Financial Corp (as of Sep 27, 2026): return on equity −0.1%, debt of 1.09 per unit of equity. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
How far is SNNF from its 52-week high?
Seneca Financial Corp trades at $13.35, about 9% below its 52-week high of $14.64 and 38% above the low of $9.66 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $1.41 is for.
Which stocks are comparable to Seneca Financial Corp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Sep 27, 2026: price $13.35, calculated fair value $1.41 (−89%), Quality Score 33/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $1.41, 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 16.1 % 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 Sep 25, 2026 was $13.35. Our model-based fair value is $1.41, about −89% upside (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 ($1.77). The favourable scenario is already priced in. Weak quality (33/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 $24.0M. 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 2.06 (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 $−0.0200. 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 1.0% (fiscal year 2025). 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 −0.1% (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 1.7% (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 +16.9% 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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