The historical rank and industry rank for Seneca Bancorp's FCF Margin % or its related term are showing as below:
SNNF'
s FCF Margin % Range Over the Past 10 Years
Min: -70.13 Med: -6.34 Max: 24.73
Current: -70.13
During the past 6 years, the highest FCF Margin % of Seneca Bancorp was 24.73%. The lowest was -70.13%. And the median was -6.34%.
SNNF's FCF Margin % is ranked worse than 88.9% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs SNNF: -70.13
Seneca Bancorp FCF Margin % Related Terms
Seneca Bancorp FCF Margin % Historical Data
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The historical data trend for Seneca Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Seneca Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Seneca Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of -25.51% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Seneca Bancorp and its competitors. According to the industry distribution chart, Seneca Bancorp ranks #1338 out of 1505 companies in the Banks industry, placing it in the top 88.9%.
Is Seneca Bancorp's FCF Margin % too high?
Seneca Bancorp's current FCF Margin % is -25.51%. Based on the distribution chart, Seneca Bancorp ranks #1338 out of 1505 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 FCF Margin % compare to UNIF and CNAF?
According to the Banks industry distribution chart, Seneca Bancorp ranks #1338 out of 1505 companies for FCF Margin %. This places Seneca Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.42. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Seneca Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seneca Bancorp's current FCF Margin % is -25.51%. 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 $12.83, compared to a current price of $12.24 — trading 4.6% below its estimated fair value. The current FCF Margin % is -25.51%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current FCF Margin % is -25.51% as of Mar. 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 $12.24 is trading 4.6% below its estimated GF Value™ of $12.83.
GuruFocus considers Seneca Bancorp to be Fairly Valued.
Key valuation signals for SNNF:
FCF Margin %: -25.51%
GF Value™: $12.83 vs. price of $12.24 (4.6% 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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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