SNNF (Seneca Bancorp) Cyclically Adjusted PB Ratio: (As of Sep. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Cyclically Adjusted PB Ratio?

Seneca Bancorp does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.

Shiller PE for Stocks: The True Measure of Stock Valuation


Seneca Bancorp  (OTCPK:SNNF) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Seneca Bancorp Cyclically Adjusted PB Ratio Related Terms


Seneca Bancorp Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Seneca Bancorp's Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio Chart

Seneca Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec24 Dec25
Cyclically Adjusted PB Ratio
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Seneca Bancorp Quarterly Data
Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio 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 0.00 0.00 0.00 0.00

SNNF vs APLO, GTPS, GWBK: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Seneca Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Seneca Bancorp Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Seneca Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Seneca Bancorp's Cyclically Adjusted PB Ratio falls into.


SNNF
65GF Score
Seneca Bancorp Inc SNNF
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Seneca Bancorp Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Seneca Bancorp does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.

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:

  • Cyclically Adjusted PB Ratio:
  • 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

Get the complete analysis for SNNF

Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.00
Price
$12.89
GF Value