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Seneca BancorpSNNF -3.45%65 OCF Margin % is 42.68% as of Jun. 2026, which is 111% above its 10-year median of 20.22. GuruFocus rates SNNF with a GF Score™ of 65/100 and a GF Value™ of $12.88 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,485 Banks companies, Seneca Bancorp ranks better than 69.83% on this metric.
The historical data trend for Seneca Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Seneca Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Seneca Bancorp's OCF 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 OCF Margin % of 42.68% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Seneca Bancorp and its competitors. This is 111% above median its historical median of 20.22. Over the past decade, Seneca Bancorp's OCF Margin % has ranged from 3.36 to 42.93. According to the industry distribution chart, Seneca Bancorp ranks #448 out of 1485 companies in the Banks industry, placing it in the top 30.2%.
Is Seneca Bancorp's OCF Margin % too high?
Seneca Bancorp's current OCF Margin % of 42.68% is 111% above median its 10-year median of 20.22. Over the past 10 years, this metric has ranged from a low of 3.36 to a high of 42.93. The Banks industry median OCF Margin % is 31.02. Seneca Bancorp's value of 42.68% is 37.6% above this industry median. Based on the distribution chart, Seneca Bancorp ranks #448 out of 1485 companies in the Banks industry, which is above the industry midpoint. Overall, Seneca Bancorp has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Seneca Bancorp's OCF Margin % compare to APLO and GTPS?
According to the Banks industry distribution chart, Seneca Bancorp ranks #448 out of 1485 companies for OCF Margin %. This puts Seneca Bancorp in the upper half of its industry. The industry median OCF Margin % is 31.02. Seneca Bancorp's value of 42.68% is 37.6% above this benchmark. Historically, Seneca Bancorp's own OCF Margin % has ranged from 3.36 to 42.93 over the past decade. While the company's 10-year median is 20.22 vs. the industry median of 31.02, Seneca Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 31.02, based on 1,485 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seneca Bancorp's current OCF Margin % of 42.68% is 37.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Seneca Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 31.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seneca Bancorp's current OCF Margin % is 42.68%, which is 111% above median its own 10-year median of 20.22. 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 $12.88, compared to a current price of $14.00 — trading 8.7% above its estimated fair value. The current OCF Margin % is 42.68%, which is 111% above median its 10-year median of 20.22 and 37.6% above the Banks industry median of 31.02. Seneca Bancorp's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current OCF Margin % is 42.68% as of Jun. 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 overvalued.
The current stock price of $14.00 is trading 8.7% above its estimated GF Value™ of $12.88.
GuruFocus considers Seneca Bancorp to be Fairly Valued.
Key valuation signals for SNNF:
OCF Margin %: 42.68% (111% above median its 10-year median of 20.22)
GF Value™: $12.88 vs. price of $14.00 (8.7% above fair value)
Industry Position: 37.6% above the Banks median (#448 of 1485)
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.
65GF Score
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