SNNF (Seneca Bancorp) Net Loan: $236.71 Mil (As of Jun. 2026)

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SNNF Seneca Bancorp Inc SNNF
65 GF Score
Price $14.00
GF Value $12.89
Valuation Fairly Valued
! 5 Warning Signs
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What is Seneca Bancorp Net Loan?

Seneca Bancorp SNNF -3.45% 65 Net Loan is $236.71 Mil as of Jun. 2026. GuruFocus rates SNNF with a GF Score™ of 65/100 and a GF Value™ of $12.89 (Fairly Valued). The stock has 5 warning signs investors should review.

Seneca Bancorp's quarterly net loan increased from Dec. 2025 ($226.03 Mil) to Mar. 2026 ($233.33 Mil) and increased from Mar. 2026 ($233.33 Mil) to Jun. 2026 ($236.71 Mil).

Seneca Bancorp's annual net loan increased from Dec. 2019 ($164.39 Mil) to Dec. 2024 ($233.33 Mil) and increased from Dec. 2024 ($233.33 Mil) to Dec. 2025 ($236.71 Mil).

Seneca Bancorp Net Loan Historical Data

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The historical data trend for Seneca Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Seneca Bancorp Net Loan Chart

Seneca Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial 141.15 154.65 164.39 202.43 226.03

Seneca Bancorp Quarterly Data
Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 214.81 226.03 233.33 236.71
SNNF
65GF Score
Seneca Bancorp Inc SNNF
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Seneca Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $236.71 Mil mean?
Seneca Bancorp (SNNF) has a Net Loan of $236.71 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Seneca Bancorp and its competitors.
Is Seneca Bancorp's Net Loan too high?
Seneca Bancorp's current Net Loan is $236.71 Mil. Overall, Seneca Bancorp has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Seneca Bancorp's Net Loan compare to APLO and GTPS?
Seneca Bancorp's Net Loan of $236.71 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Seneca Bancorp and its competitors. Seneca Bancorp's current Net Loan is $236.71 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seneca Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Seneca Bancorp (SNNF) is currently considered Fairly Valued. The stock's GF Value™ is $12.89, compared to a current price of $14.00 — trading 8.6% above its estimated fair value. The current Net Loan is $236.71 Mil. Seneca Bancorp's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current Net Loan is $236.71 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Seneca Bancorp (SNNF) Overvalued in 2026?

Based on GuruFocus' analysis, Seneca Bancorp stock appears to be overvalued. The current stock price of $14.00 is trading 8.6% above its estimated GF Value™ of $12.89. GuruFocus considers Seneca Bancorp to be Fairly Valued.

Key valuation signals for SNNF:

  • Net Loan: $236.71 Mil
  • GF Value™: $12.89 vs. price of $14.00 (8.6% above fair value)
  • GF Score™: 65/100 with 5 warning signs

No single metric tells the full story. See the SNNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Seneca Bancorp Business Description

Address 35 Oswego Street, Baldwinsville, NY, USA, 13027
Seneca Bancorp Inc is the bank holding company. Its services include loans, deposit accounts, wealth management, and online banking for individuals as well as businesses. The bank has full-service locations in Onondaga and Madison Counties in New York. The company operates business through two business segments: The banking business segment, which mainly involves the delivery of loan and deposit products to the customers through Seneca Savings and generates net interest income and service fees, and The wealth management business segment, which includes investment management services for individuals and institutions offered through Financial Quest and provides commission income from 401(k) plan management and brokered accounts.
65GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.00
Price
$12.89
GF Value