SNNF (Seneca Bancorp) 5-Year ROIIC %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SNNF Seneca Bancorp Inc SNNF
67 GF Score
Price $12.50
GF Value $13.08
Valuation Fairly Valued
! 5 Warning Signs
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What is Seneca Bancorp 5-Year ROIIC %?

5-Year ROIIC % does not apply to banks.

SNNF
67GF Score
Seneca Bancorp Inc SNNF
5-Year ROIIC % is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • 5-Year ROIIC %:
  • GF Value™: $13.08 vs. price of $12.50 (4.4% 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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5-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.50
Price
$13.08
GF Value