SNNF (Seneca Bancorp) LT-Debt-to-Total-Asset: 0.11 (As of Mar. 2026)

What is Seneca Bancorp LT-Debt-to-Total-Asset?

Seneca Bancorp SNNF +0.57% 67 LT-Debt-to-Total-Asset is 0.11 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Seneca Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.11.

Seneca Bancorp's long-term debt to total assets ratio declined from Dec. 2024 (0.15) to Mar. 2026 (0.11). It may suggest that Seneca Bancorp is progressively becoming less dependent on debt to grow their business.

Seneca Bancorp (OTCPK:SNNF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Seneca Bancorp LT-Debt-to-Total-Asset Related Terms

Seneca Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Seneca Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Seneca Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.14

0.15

0.16

0.15

0.11

Seneca Bancorp Quarterly Data
	Mar17	Jun17	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep24	Dec24	Mar25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.15	0.00	0.13	0.11	0.11

67GF Score

Seneca Bancorp Inc SNNF

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Seneca Bancorp LT-Debt-to-Total-Asset Calculation

Seneca Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	35.567	/	312.114
	=	0.11

Seneca Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	34.567	/	315.862
	=	0.11

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.11 mean?

Seneca Bancorp (SNNF) has a LT-Debt-to-Total-Asset of 0.11 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Seneca Bancorp and its competitors.

Is Seneca Bancorp's LT-Debt-to-Total-Asset too high?

Seneca Bancorp's current LT-Debt-to-Total-Asset is 0.11. 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 LT-Debt-to-Total-Asset compare to UNIF and CNAF?

Seneca Bancorp's LT-Debt-to-Total-Asset of 0.11 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Seneca Bancorp and its competitors. Seneca Bancorp's current LT-Debt-to-Total-Asset is 0.11. 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 $12.83, compared to a current price of $12.30 — trading 4.1% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.11. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current LT-Debt-to-Total-Asset is 0.11 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 $12.30 is trading 4.1% below its estimated GF Value™ of $12.83. GuruFocus considers Seneca Bancorp to be Fairly Valued.

Key valuation signals for SNNF:

LT-Debt-to-Total-Asset: 0.11
GF Value™: $12.83 vs. price of $12.30 (4.1% 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

Industry Financial Services Banks

Comparable Companies UNIF CNAF BCCB WVFC FBPI FPBC MCHT GOVB UNTN MKIN SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 35 Oswego Street, Baldwinsville, NY, USA, 13027

Website https://www.senecasavings.com

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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$12.30

Price

$12.83

GF Value

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