Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Seneca Bancorp's 5-Year RORE % for the quarter that ended in Mar. 2026 was 0.00%.
The industry rank for Seneca Bancorp's 5-Year RORE % or its related term are showing as below:
SNNF's 5-Year RORE % is not ranked *
in the Banks industry.
Industry Median: 9.63 * Ranked among companies with meaningful 5-Year RORE % only.
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Seneca Bancorp 5-Year RORE % Related Terms
Seneca Bancorp 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for Seneca Bancorp's 5-Year RORE % 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: 5-Year RORE % Comparison
For the Banks - Regional subindustry, Seneca Bancorp's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Seneca Bancorp's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Seneca Bancorp's 5-Year RORE % 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.
In the calculation of 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 5-year before.
Seneca Bancorp (SNNF) has a 5-Year RORE % of 0.00 as of Mar. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Seneca Bancorp and its competitors. According to the industry distribution chart, Seneca Bancorp ranks #999999 out of 1413 companies in the Banks industry.
Is Seneca Bancorp's 5-Year RORE % too high?
Seneca Bancorp's current 5-Year RORE % is 0.00. Based on the distribution chart, Seneca Bancorp ranks #999999 out of 1413 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 5-Year RORE % compare to UNIF and CNAF?
According to the Banks industry distribution chart, Seneca Bancorp ranks #999999 out of 1413 companies for 5-Year RORE %. This places Seneca Bancorp in the lower half of its industry. The industry median 5-Year RORE % is 9.63. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 9.63, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Seneca Bancorp and its competitors. For the Banks industry, the median 5-Year RORE % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seneca Bancorp's current 5-Year RORE % is 0.00. 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 5-Year RORE % is 0.00. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Seneca Bancorp (SNNF), the current 5-Year RORE % is 0.00 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:
5-Year RORE %: 0.00
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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