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Seneca BancorpSNNF -0.79%67 PE Ratio (TTM) is 138.89 as of Aug. 02, 2026, which is 505% above its 10-year median of 22.95. GuruFocus rates SNNF with a GF Score™ of 67/100 and a GF Value™ of $13.08 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,445 Banks companies, Seneca Bancorp ranks worse than 98.89% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-08-02), Seneca Bancorp's share price is
$12.50.
Seneca Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.09. Therefore, Seneca Bancorp's PE Ratio (TTM) for today is 138.89.
Warning Sign:
Seneca Bancorp Inc stock PE Ratio (=138.22) is close to 10-year high of 143.89.
The historical rank and industry rank for Seneca Bancorp's PE Ratio (TTM) or its related term are showing as below:
SNNF'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 11.28 Med: 22.95 Max: 143.89
Current: 138.89
During the past 6 years, the highest PE Ratio (TTM) of Seneca Bancorp was 143.89. The lowest was 11.28. And the median was 22.95.
SNNF's PE Ratio (TTM) is ranked worse than 98.89% of 1445
companies
in the Banks industry
Industry Median: 11.75
vs SNNF: 138.89
During the past 12 months, Seneca Bancorp's average EPS without NRIGrowth Rate was -61.70% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -39.40% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was -4.40% per year.
During the past 6 years, Seneca Bancorp's highest 3-Year average EPS without NRI Growth Rate was 47.70% per year. The lowest was -39.40% per year. And the median was 14.30% per year.
Seneca Bancorp's EPS (Basic) for the
three
months ended in Mar. 2026 was $-0.03.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.09.
Seneca Bancorp (OTCPK:SNNF) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Seneca Bancorp PE Ratio (TTM) Related Terms
Seneca Bancorp PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Seneca Bancorp's PE Ratio (TTM) 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.
SNNF vs MCHT, CIBN, UNIF: PE Ratio (TTM) Comparison
For the Banks - Regional subindustry, Seneca Bancorp's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Banks Industry
For the Banks industry and Financial Services sector, Seneca Bancorp's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Seneca Bancorp's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Seneca Bancorp's PE Ratio (TTM) for today is calculated as
Seneca Bancorp's Share Price of today is $12.50.
Seneca Bancorp's Earnings per Share (Diluted) 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 $0.09.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Seneca Bancorp (SNNF) has a PE Ratio (TTM) of 138.89 as of Aug. 02, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Seneca Bancorp and its competitors. This is 505% above median its historical median of 22.95. Over the past decade, Seneca Bancorp's PE Ratio (TTM) has ranged from 11.28 to 143.89. According to the industry distribution chart, Seneca Bancorp ranks #1429 out of 1445 companies in the Banks industry, placing it in the top 98.9%.
Is Seneca Bancorp's PE Ratio (TTM) too high?
Seneca Bancorp's current PE Ratio (TTM) of 138.89 is 505% above median its 10-year median of 22.95. Over the past 10 years, this metric has ranged from a low of 11.28 to a high of 143.89. The Banks industry median PE Ratio (TTM) is 11.75. Seneca Bancorp's value of 138.89 is 1082% above this industry median. Based on the distribution chart, Seneca Bancorp ranks #1429 out of 1445 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 PE Ratio (TTM) compare to MCHT and CIBN?
According to the Banks industry distribution chart, Seneca Bancorp ranks #1429 out of 1445 companies for PE Ratio (TTM). This places Seneca Bancorp in the lower half of its industry. The industry median PE Ratio (TTM) is 11.75. Seneca Bancorp's value of 138.89 is 1082% above this benchmark. Historically, Seneca Bancorp's own PE Ratio (TTM) has ranged from 11.28 to 143.89 over the past decade. While the company's 10-year median is 22.95 vs. the industry median of 11.75, 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 PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.75, based on 1,445 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seneca Bancorp's current PE Ratio (TTM) of 138.89 is 1082% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Seneca Bancorp and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seneca Bancorp's current PE Ratio (TTM) is 138.89, which is 505% above median its own 10-year median of 22.95. 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 $13.08, compared to a current price of $12.50 — trading 4.4% below its estimated fair value. The current PE Ratio (TTM) is 138.89, which is 505% above median its 10-year median of 22.95 and 1082% above the Banks industry median of 11.75. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current PE Ratio (TTM) is 138.89 as of Aug. 02, 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 $12.50 is trading 4.4% below its estimated GF Value™ of $13.08.
GuruFocus considers Seneca Bancorp to be Fairly Valued.
Key valuation signals for SNNF:
PE Ratio (TTM): 138.89 (505% above median its 10-year median of 22.95)
GF Value™: $13.08 vs. price of $12.50 (4.4% below fair value)
Industry Position: 1082% above the Banks median (#1429 of 1445)
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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