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Seneca BancorpSNNF -3.45%66 EV-to-OCF is 9.50 as of Sep. 15, 2026, which is 74% below its 10-year median of 36.53. GuruFocus rates SNNF with a GF Score™ of 66/100 and a GF Value™ of $12.89 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,487 Banks companies, Seneca Bancorp ranks worse than 68.73% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Seneca Bancorp's Enterprise Value is $51.69 Mil.
Seneca Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $5.44 Mil. Therefore, Seneca Bancorp's EV-to-OCF for today is 9.50.
The historical rank and industry rank for Seneca Bancorp's EV-to-OCF or its related term are showing as below:
SNNF'
s EV-to-OCF Range Over the Past 10 Years
Min: -32.58 Med: 36.53 Max: 193.08
Current: 9.5
During the past 6 years, the highest EV-to-OCF of Seneca Bancorp was 193.08. The lowest was -32.58. And the median was 36.53.
SNNF's EV-to-OCF is ranked worse than 68.73% of 1487
companies
in the Banks industry
Industry Median: 4.08
vs SNNF: 9.50
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Seneca Bancorp's PE Ratio (TTM) for today is calculated as:
Seneca Bancorp's share price for today is $14.00.
Seneca Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.150.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Seneca Bancorp EV-to-OCF Related Terms
Seneca Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Seneca Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, Seneca Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Seneca Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Seneca Bancorp's EV-to-OCF falls into.
Seneca Bancorp's current Enterprise Value is $51.69 Mil.
Seneca Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.44 Mil.
* 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 (SNNF) has a EV-to-OCF of 9.50 as of Sep. 15, 2026. This is 74% below median its historical median of 36.53. According to the industry distribution chart, Seneca Bancorp ranks #1022 out of 1487 companies in the Banks industry, placing it in the top 68.7%.
Is Seneca Bancorp's EV-to-OCF too high?
Seneca Bancorp's current EV-to-OCF of 9.50 is 74% below median its 10-year median of 36.53. The Banks industry median EV-to-OCF is 4.08. Seneca Bancorp's value of 9.50 is 132.8% above this industry median. Based on the distribution chart, Seneca Bancorp ranks #1022 out of 1487 companies in the Banks industry, which is below the industry midpoint. Overall, Seneca Bancorp has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Seneca Bancorp's EV-to-OCF compare to APLO and GTPS?
According to the Banks industry distribution chart, Seneca Bancorp ranks #1022 out of 1487 companies for EV-to-OCF. This places Seneca Bancorp in the lower half of its industry. The industry median EV-to-OCF is 4.08. Seneca Bancorp's value of 9.50 is 132.8% above this benchmark. While the company's 10-year median is 36.53 vs. the industry median of 4.08, Seneca Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.08, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seneca Bancorp's current EV-to-OCF of 9.50 is 132.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seneca Bancorp's current EV-to-OCF is 9.50, which is 74% below median its own 10-year median of 36.53. 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 EV-to-OCF is 9.50, which is 74% below median its 10-year median of 36.53 and 132.8% above the Banks industry median of 4.08. Seneca Bancorp's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current EV-to-OCF is 9.50 as of Sep. 15, 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:
EV-to-OCF: 9.50 (74% below median its 10-year median of 36.53)
GF Value™: $12.89 vs. price of $14.00 (8.6% above fair value)
Industry Position: 132.8% above the Banks median (#1022 of 1487)
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 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.
66GF Score
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