# Seneca Bancorp, Inc. (SNNF)

- SEC CIK: 0002072421 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0002072421))
- Full page: https://inspectstocks.com/stocks/snnf
- Data as of: newest filing used 2026-11-13; latest fiscal period ended 2026-09-30

## Grade

**D** on the balance-sheet rubric used for lenders, 1 of 4 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $164K |  |
| Earnings growing overall | failed | $164K | $712K |
| Earnings growing recently | failed | $164K | $172K |
| Earns well on its assets | failed | 0.1% |  |
| Book value per share growing | not answerable | $18.73 |  |

Business quality (the + / − mark): 3 of 7 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 1.3% |  |
| Healthy profit margin | failed | 1.3% |  |
| Good return on equity | failed | 0.5% |  |
| Turns sales into cash | failed | -67.6% |  |
| Earns a wide spread on lending | passed | 3.2% |  |
| Runs the bank efficiently | failed | 97.6% |  |
| Credit losses well covered | passed | 3.9% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $12.5M |
| Net income, trailing twelve months | $164K |
| Free cash flow, trailing twelve months | -$8.4M |
| Net margin | 1.3% |
| Return on equity | 0.5% |
| Diluted EPS, trailing twelve months | $0.10 |

## More on this company

- [Overview](https://inspectstocks.com/stocks/snnf)
- [Financial statements](https://inspectstocks.com/stocks/snnf/financials)
- [Competitors](https://inspectstocks.com/stocks/snnf/peers)
- [Earnings](https://inspectstocks.com/stocks/snnf/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.