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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Seneca Bancorp's Enterprise Value is $49.87 Mil.
Seneca Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-6.15 Mil. Therefore, Seneca Bancorp's EV-to-FCF for today is -8.11.
The historical rank and industry rank for Seneca Bancorp's EV-to-FCF or its related term are showing as below:
SNNF'
s EV-to-FCF Range Over the Past 10 Years
Min: -171.55 Med: 86.28 Max: 255.15
Current: -8.11
During the past 6 years, the highest EV-to-FCF of Seneca Bancorp was 255.15. The lowest was -171.55. And the median was 86.28.
SNNF's EV-to-FCF is ranked worse than 100% of 1200
companies
in the Banks industry
Industry Median: 7.22
vs SNNF: -8.11
EV-to-FCF 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-FCF 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 $12.50.
Seneca Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.090.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Seneca Bancorp EV-to-FCF Related Terms
Seneca Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Seneca Bancorp's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Seneca Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Seneca Bancorp's EV-to-FCF falls into.
Seneca Bancorp's current Enterprise Value is $49.87 Mil.
Seneca Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-6.15 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-FCF of -8.11 as of Aug. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Seneca Bancorp and its competitors. According to the industry distribution chart, Seneca Bancorp ranks #999999 out of 1200 companies in the Banks industry.
Is Seneca Bancorp's EV-to-FCF too high?
Seneca Bancorp's current EV-to-FCF is -8.11. Based on the distribution chart, Seneca Bancorp ranks #999999 out of 1200 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Seneca Bancorp has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Seneca Bancorp's EV-to-FCF compare to MCHT and CIBN?
According to the Banks industry distribution chart, Seneca Bancorp ranks #999999 out of 1200 companies for EV-to-FCF. This places Seneca Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.22. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.22, based on 1,200 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Seneca Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seneca Bancorp's current EV-to-FCF is -8.11. 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 $13.08, compared to a current price of $12.50 — trading 4.4% below its estimated fair value. The current EV-to-FCF is -8.11. Seneca Bancorp's overall GF Score™ is 67/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current EV-to-FCF is -8.11 as of Aug. 02, 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 undervalued.
The current stock price of $12.50 is trading 4.4% below its estimated GF Value™ of $13.08.
GuruFocus considers Seneca Bancorp to be Fairly Valued.
Key valuation signals for SNNF:
EV-to-FCF: -8.11
GF Value™: $13.08 vs. price of $12.50 (4.4% below fair value)
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.
67GF Score
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