SNNF
Seneca Bancorp, Inc.
Next earnings ≈ Aug 12, 2026 · est. from filing cadence
$12.95
▲ +7.38%$12.95▲ +20.47%
over 1Y
L $9.66H $12.95
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+7.4%
1W+7.4%
1M+4.4%
3M+10.8%
YTD+22.7%
1Y+20.5%
Avoid
Conviction
Horizon
Medium (3–12mo)
High leverage (liabilities/equity 8.5x).
Return on equity 0.5% · latest
The read
Weak on both the fundamentals and the price — little to like at the current level.
Seneca Bancorp, Inc. shows limited reported revenue, and 0.5% ROE.
Weighing against it: high leverage (liabilities/equity 8.5x); very expensive (P/E 124.0).
Is SNNF a buy? The one-page verdict, explained →
The options angle
model · matches our verdictBear put spread (caution)~60d expiry
- Long put 13 @ ~0.60 est
- Short put 11.5 @ ~0.11 est
debit $49max +$101max −$49BE 12.51
AVOID means we wouldn't engage at all — if expressing the short side anyway, only with capped risk.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY24 | FY25 |
|---|---|---|
| Revenue | — | — |
| Gross profit | — | — |
| Operating income | — | — |
| Net income | $712K | $172K |
| Diluted EPS | $0.42 | $0.10 |
| Net margin | — | — |
10-year statements — income, cash flow, balance sheet & CSV export →
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)—
Earnings yield0.7%
FCF yield-0.1%
Quality & risk
ROIC (est.)—
Free cash flow-$30.0K
Total debt—
Net cash$5.33M
Capital returns
Buyback yield0.3%
Dividend yield (est.)—
Shareholder yield0.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-29open ↗8-KPeriod ending 2026-05-292026-06-04open ↗8-KPeriod ending 2026-05-192026-05-20open ↗10-QPeriod ending 2026-03-312026-05-14open ↗ARSPeriod ending 2025-12-312026-04-17open ↗DEF 14APeriod ending 2026-05-192026-04-17open ↗10-KPeriod ending 2025-12-312026-03-30open ↗SCHEDULE 13GFiling2026-03-02open ↗SCHEDULE 13G/AFiling2026-02-13open ↗EFFECTFiling2025-11-25open ↗4Period ending 2025-11-212025-11-25open ↗4Period ending 2025-11-212025-11-25open ↗
Frequently asked
- Is Seneca Bancorp, Inc. (SNNF) a buy?
- SNNF currently carries a Avoid rating with 4/5 conviction, derived from its latest SEC filings. High leverage (liabilities/equity 8.5x).
- What is SNNF's fair value?
- A Modified-Graham model based on SNNF's SEC fundamentals estimates a fair value of about $0.77. It is an estimate from reported earnings, not a price target.
- Is SNNF overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, SNNF currently appears overvalued relative to its SEC-grounded earnings power.
- What is Seneca Bancorp, Inc.'s quality score?
- SNNF scores 49.05696517412935/100 (grade D) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0002072421, latest 10-Q filed 2026-05-14) · EODHD · as of 6/18/2026, 1:10:59 PM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
Rule-based analysis, generated automatically from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 18, 2026, 9:10 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.