SNNF Stock Overview

Operates as the holding company for Seneca Savings that operates as a community-oriented savings and loan institution. More details

SNNF fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 1.5% below our estimate of its fair value

Risk Analysis

Earnings have declined by 3.4% per year over past 5 years

Shares are highly illiquid

Does not have a meaningful market cap ($14M)

My Notes

Capture your thoughts, links and company narrative

Seneca Financial Corp. Competitors

First Community

OTCPK:FCCT

US$14.1m

Greenville Federal Financial

OTCPK:GVFF

US$14.6m

Gouverneur Bancorp

OTCPK:GOVB

US$13.7m

CNB Financial Services

OTCPK:CBFC

US$12.7m

Price History & Performance

Summary of share price highs, lows and changes for Seneca Financial
Historical stock prices
Current Share Price	US$7.50
52 Week High	US$8.95
52 Week Low	US$5.97
Beta	0.45
1 Month Change	4.75%
3 Month Change	14.50%
1 Year Change	-11.66%
3 Year Change	-33.92%
5 Year Change	-18.57%
Change since IPO	-36.44%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	SNNF	US Banks	US Market
7D	0%	2.1%	0.2%
1Y	-11.7%	46.5%	22.0%

Return vs Industry: SNNF underperformed the US Banks industry which returned 46.5% over the past year.

Return vs Market: SNNF underperformed the US Market which returned 22% over the past year.

Price Volatility

Is SNNF's price volatile compared to industry and market?
SNNF volatility
SNNF Average Weekly Movement	n/a
Banks Industry Average Movement	3.9%
Market Average Movement	6.1%
10% most volatile stocks in US Market	18.6%
10% least volatile stocks in US Market	3.1%

Stable Share Price: SNNF's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine SNNF's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1928	n/a	Joseph Vitale	www.senecasavings.com

Seneca Financial Corp. operates as the holding company for Seneca Savings that operates as a community-oriented savings and loan institution. It provides demand, NOW, savings, money market, and retirement accounts, as well as certificate of deposit accounts; and one-to-four family first lien residential mortgages, residential construction, home equity loans and lines of credit, and commercial loans, as well as consumer loans. The company also offers financial planning and investment advisory services; and sells various insurance and investment products through broker networks.

Seneca Financial Corp. Fundamentals Summary

How do Seneca Financial's earnings and revenue compare to its market cap?
SNNF fundamental statistics
Market cap	US$13.86m
Earnings (TTM)	US$815.00k
Revenue (TTM)	US$9.71m

17.0x

P/E Ratio

0.6x

P/B Ratio

Is SNNF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SNNF income statement (TTM)
Revenue	US$9.71m
Cost of Revenue	US$0
Gross Profit	US$9.71m
Other Expenses	US$8.89m
Earnings	US$815.00k

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.44
Gross Margin	100.00%
Net Profit Margin	8.40%
Debt/Equity Ratio	160.2%

How did SNNF perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/07 12:37
End of Day Share Price	2025/01/29 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Seneca Financial Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.