SNNF (Seneca Bancorp) Interest Expense: $-4.44 Mil (TTM As of Mar. 2026)


SNNF Seneca Bancorp Inc SNNF
67 GF Score
Price $12.24
GF Value $12.83
Valuation Fairly Valued
! 5 Warning Signs
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What is Seneca Bancorp Interest Expense?

Seneca Bancorp SNNF +0.08% 67 Interest Expense is $-4.44 Mil as of Mar. 2026. GuruFocus rates SNNF with a GF Score™ of 67/100 and a GF Value™ of $12.83 (Fairly Valued). The stock has 5 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Seneca Bancorp's interest expense for the three months ended in Mar. 2026 was $ -1.38 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was $-4.44 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Seneca Bancorp's Operating Income for the three months ended in Mar. 2026 was $ Mil. Seneca Bancorp's Interest Expense for the three months ended in Mar. 2026 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Seneca Bancorp Interest Expense Historical Data

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The historical data trend for Seneca Bancorp's Interest Expense 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 Interest Expense Chart

Seneca Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial -1.44 -1.92 -2.57 -5.23 -5.73

Seneca Bancorp Quarterly Data
Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep24 Dec24 Mar25 Sep25 Dec25 Mar26
Interest Expense 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 -1.30 -1.31 -1.55 -1.51 -1.38
SNNF
67GF Score
Seneca Bancorp Inc SNNF
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Seneca Bancorp Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense 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 $-4.44 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-4.44 Mil mean?
Seneca Bancorp (SNNF) has a Interest Expense of $-4.44 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Seneca Bancorp and its competitors.
Is Seneca Bancorp's Interest Expense too high?
Seneca Bancorp's current Interest Expense is $-4.44 Mil. 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 Interest Expense compare to UNIF and CNAF?
Seneca Bancorp's Interest Expense of $-4.44 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 Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Seneca Bancorp and its competitors. Seneca Bancorp's current Interest Expense is $-4.44 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 $12.83, compared to a current price of $12.24 — trading 4.6% below its estimated fair value. The current Interest Expense is $-4.44 Mil. 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 Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current Interest Expense is $-4.44 Mil 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:

  • Interest Expense: $-4.44 Mil
  • GF Value™: $12.83 vs. price of $12.24 (4.6% below fair value)
  • GF Score™: 67/100 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.
67GF Score

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

$12.24
Price
$12.83
GF Value