SNNF (Seneca Bancorp) Moat Score: 3/10 (As of Jun. 24, 2026)


SNNF Seneca Bancorp Inc SNNF
67 GF Score
Price $12.30
GF Value $12.83
Valuation Fairly Valued
! 5 Warning Signs
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What is Seneca Bancorp Moat Score?

Seneca Bancorp SNNF +0.57% 67 Moat Score is 3 as of Jun. 24, 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. Among 1,610 Banks companies, Seneca Bancorp ranks better than 74.41% on this metric.

Seneca Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Seneca Bancorp has No Moat: Seneca Bancorp Inc has very weak competitive advantages. It operates in a competitive banking sector with limited brand strength, customer loyalty, or regulatory barriers to entry.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Seneca Bancorp might have No Moat - Very weak/transient advantages.

Seneca Bancorp  (OTCPK:SNNF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Seneca Bancorp Moat Score Related Terms

SNNF vs UNIF, CNAF, BCCB: Moat Score Comparison

For the Banks - Regional subindustry, Seneca Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Seneca Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Seneca Bancorp's Moat Score falls into.


SNNF
67GF Score
Seneca Bancorp Inc SNNF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Seneca Bancorp (SNNF) has a Moat Score of 3 as of Jun. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Seneca Bancorp ranks #412 out of 1610 companies in the Banks industry, placing it in the top 25.6%.
Is Seneca Bancorp's Moat Score too high?
Seneca Bancorp's current Moat Score is 3. Based on the distribution chart, Seneca Bancorp ranks #412 out of 1610 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to UNIF and CNAF?
According to the Banks industry distribution chart, Seneca Bancorp ranks #412 out of 1610 companies for Moat Score. This puts Seneca Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Seneca Bancorp's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current Moat Score is 3 as of Jun. 24, 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:

  • Moat Score: 3
  • 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

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

$12.30
Price
$12.83
GF Value