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Seneca Bancorp, Inc (SNNF) Fair Value & Analysis

Financial Services · US · Market cap $22.0M

Price$12.06
Fair Value$1.24
Upside-89.7%
Quality95/100
Evidence: Medium Range $0.9300 – $1.55

Fair value as of: Jun 26, 2026

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Analysis

Seneca Bancorp, Inc (SNNF) currently trades at $12.06, while our model-based Fair Value estimate is $1.24 — implying the stock looks roughly 89.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

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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Frequently asked questions

Is Seneca Bancorp, Inc (SNNF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $1.24 versus a price of $12.06 — about −90% (overvalued). Model-based estimate, not financial advice.
What is the fair value of SNNF?
Our 21-model fair value for Seneca Bancorp, Inc is $1.24 (as of Jun 26, 2026), built from audited fundamentals. The current price is $12.06.
What is the quality score of SNNF?
Seneca Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.