Net margin is calculated as Net Income divided by its Revenue. Seneca Bancorp's Net Income for the
three
months ended in Mar. 2026 was $-0.05 Mil. Seneca Bancorp's Revenue for the
three
months ended in Mar. 2026 was $3.04 Mil. Therefore, Seneca Bancorp's net margin for the quarter that ended in Mar. 2026 was -1.64%.
The historical rank and industry rank for Seneca Bancorp's Net Margin % or its related term are showing as below:
SNNF'
s Net Margin % Range Over the Past 10 Years
Min: 1.55 Med: 9.15 Max: 15.86
Current: 1.94
SNNF's Net Margin % is ranked worse than 94.37% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs SNNF: 1.94
Seneca Bancorp (OTCPK:SNNF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Seneca Bancorp Net Margin % Related Terms
Seneca Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Seneca Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Seneca Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Seneca Bancorp's Net 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 Net Margin % of -1.64% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Seneca Bancorp and its competitors. Over the past decade, Seneca Bancorp's Net Margin % has ranged from 1.55 to 15.86. According to the industry distribution chart, Seneca Bancorp ranks #1441 out of 1527 companies in the Banks industry, placing it in the top 94.4%.
Is Seneca Bancorp's Net Margin % too high?
Seneca Bancorp's current Net Margin % is -1.64%. Over the past 10 years, this metric has ranged from a low of 1.55 to a high of 15.86. Based on the distribution chart, Seneca Bancorp ranks #1441 out of 1527 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 Net Margin % compare to UNIF and CNAF?
According to the Banks industry distribution chart, Seneca Bancorp ranks #1441 out of 1527 companies for Net Margin %. This places Seneca Bancorp in the lower half of its industry. The industry median Net Margin % is 26.95. Historically, Seneca Bancorp's own Net Margin % has ranged from 1.55 to 15.86 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Seneca Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seneca Bancorp's current Net Margin % is -1.64%. 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 Net Margin % is -1.64%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current Net Margin % is -1.64% 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:
Net Margin %: -1.64%
GF Value™: $12.83 vs. price of $12.30 (4.1% 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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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