The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Seneca Bancorp Pretax Margin % Related Terms
Seneca Bancorp Pretax Margin % Historical Data
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The historical data trend for Seneca Bancorp's Pretax 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.
SNNF vs UNIF, CNAF, BCCB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Seneca Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Seneca Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Seneca Bancorp's Pretax 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 Pretax Margin % of -1.41% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Seneca Bancorp and its competitors. Over the past decade, Seneca Bancorp's Pretax Margin % has ranged from 1.63 to 19.72. According to the industry distribution chart, Seneca Bancorp ranks #1450 out of 1527 companies in the Banks industry, placing it in the top 95%.
Is Seneca Bancorp's Pretax Margin % too high?
Seneca Bancorp's current Pretax Margin % is -1.41%. Over the past 10 years, this metric has ranged from a low of 1.63 to a high of 19.72. Based on the distribution chart, Seneca Bancorp ranks #1450 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 Pretax Margin % compare to UNIF and CNAF?
According to the Banks industry distribution chart, Seneca Bancorp ranks #1450 out of 1527 companies for Pretax Margin %. This places Seneca Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. Historically, Seneca Bancorp's own Pretax Margin % has ranged from 1.63 to 19.72 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Seneca Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seneca Bancorp's current Pretax Margin % is -1.41%. 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 $12.24 — trading 4.6% below its estimated fair value. The current Pretax Margin % is -1.41%. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current Pretax Margin % is -1.41% 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 $12.24 is trading 4.6% below its estimated GF Value™ of $12.83.
GuruFocus considers Seneca Bancorp to be Fairly Valued.
Key valuation signals for SNNF:
Pretax Margin %: -1.41%
GF Value™: $12.83 vs. price of $12.24 (4.6% 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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