What is Seneca Bancorp, Inc.'s earnings per share (EPS)?

Seneca Bancorp, Inc. (SNNF) reported diluted earnings per share of $0.10 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Seneca Bancorp, Inc. Financials

SNNF

Source SEC Filings (10-K/10-Q) Updated Mar 30, 2026 Currency USD FYE March

This page shows Seneca Bancorp, Inc. (SNNF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Earnings Quality Cash-Backed

27.72x

For every $1 of reported earnings, Seneca Bancorp, Inc. generates $27.72 in operating cash flow ($4.8M OCF vs $172K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$134K

Seneca Bancorp, Inc. generated $134K in revenue in fiscal year 2025.

EBITDA

N/A

Net Income

$172K

Seneca Bancorp, Inc. reported $172K in net income in fiscal year 2025.

EPS (Diluted)

$0.10

Seneca Bancorp, Inc. earned $0.10 per diluted share (EPS) in fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

-$30K

Seneca Bancorp, Inc. generated -$30K in free cash flow in fiscal year 2025, representing cash available after capex.

Cash & Debt

$5.3M

Seneca Bancorp, Inc. held $5.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

Seneca Bancorp, Inc. had 2M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

128.4%

Seneca Bancorp, Inc.'s net profit margin was 128.4% in fiscal year 2025, showing the share of revenue converted to profit.

Return on Equity

0.5%

Seneca Bancorp, Inc.'s ROE was 0.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$70K

Seneca Bancorp, Inc. spent $70K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$4.8M

Seneca Bancorp, Inc. invested $4.8M in capex in fiscal year 2025, funding long-term assets and infrastructure.

SNNF Income Statement

Metric	FY25
Revenue	$134K
Cost of Revenue	N/A
Gross Profit	N/A
R&D Expenses	N/A
SG&A Expenses	$5.4M
Operating Income	N/A
Interest Expense	$5.7M
Income Tax	$9K
Net Income	$172K
EPS (Diluted)	$0.10

Metric	Q2'26	Q1'26	Q3'25	Q2'25	Q1'25
Revenue	$3.8M+5.1%	$3.6M	N/A	$3.4M+2.3%	$3.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.6M+13.9%	$1.4M	N/A	$1.3M-2.9%	$1.4M
Income Tax	$39K+211.4%	-$35K	N/A	$44K+18.9%	$37K
Net Income	$185K+194.4%	-$196K	N/A	$328K+86.4%	$176K
EPS (Diluted)	$0.10+190.9%	$-0.11	N/A	$0.19+90.0%	$0.10

SNNF Balance Sheet

Metric	FY25
Total Assets	$312.1M
Current Assets	N/A
Cash & Equivalents	$5.3M
Inventory	N/A
Accounts Receivable	N/A
Goodwill	$412K
Total Liabilities	$279.4M
Current Liabilities	N/A
Long-Term Debt	N/A
Total Equity	$32.8M
Retained Earnings	$22.5M

Metric	Q2'26	Q1'26	Q3'25	Q2'25	Q1'25
Total Assets	$316.5M+5.8%	$299.1M+6.5%	$280.9M	N/A	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$14.3M+11.4%	$12.8M+89.0%	$6.8M-5.0%	$7.1M+12.8%	$6.3M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	$412K0.0%	$412K0.0%	$412K	N/A	N/A
Total Liabilities	$292.0M+6.1%	$275.3M+7.1%	$257.1M	N/A	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$24.4M+2.8%	$23.8M-0.4%	$23.9M+0.1%	$23.8M+4.6%	$22.8M
Retained Earnings	$22.5M+0.8%	$22.3M-0.2%	$22.4M	N/A	N/A

SNNF Cash Flow Statement

Metric	FY25
Operating Cash Flow	$4.8M
Capital Expenditures	$4.8M
Free Cash Flow	-$30K
Investing Cash Flow	-$32.0M
Financing Cash Flow	$25.8M
Dividends Paid	N/A
Share Buybacks	$70K

Metric	Q2'26	Q1'26	Q3'25	Q2'25	Q1'25
Operating Cash Flow	$8.0M	N/A	N/A	$5K	N/A
Capital Expenditures	$699K	N/A	N/A	$2.0M	N/A
Free Cash Flow	$7.3M	N/A	N/A	-$2.0M	N/A
Investing Cash Flow	-$14.0M	N/A	N/A	-$64K	N/A
Financing Cash Flow	$7.5M	N/A	N/A	$868K	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	$0	N/A

SNNF Financial Ratios

Metric	FY25
Gross Margin	N/A
Operating Margin	N/A
Net Margin	128.4%
Return on Equity	0.5%
Return on Assets	0.1%
Current Ratio	N/A
Debt-to-Equity	8.53
FCF Margin	-22.4%

Metric	Q2'26	Q1'26	Q3'25	Q2'25	Q1'25
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	4.9%+10.4pp	-5.5%	N/A	9.6%+4.3pp	5.3%
Return on Equity	0.8%+1.6pp	-0.8%	N/A	1.4%+0.6pp	0.8%
Return on Assets	0.1%+0.1pp	-0.1%	N/A	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.96+0.4	11.59+0.8	10.78	N/A	N/A
FCF Margin	192.2%	N/A	N/A	-59.0%	N/A

Frequently Asked Questions

What is Seneca Bancorp, Inc.'s annual revenue?

Seneca Bancorp, Inc. (SNNF) reported $134K in total revenue for fiscal year 2025. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Is Seneca Bancorp, Inc. profitable?

Yes, Seneca Bancorp, Inc. (SNNF) reported a net income of $172K in fiscal year 2025, with a net profit margin of 128.4%.

What is Seneca Bancorp, Inc.'s net profit margin?

Seneca Bancorp, Inc. (SNNF) had a net profit margin of 128.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Seneca Bancorp, Inc.'s return on equity (ROE)?

Seneca Bancorp, Inc. (SNNF) has a return on equity of 0.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Seneca Bancorp, Inc.'s free cash flow?

Seneca Bancorp, Inc. (SNNF) generated -$30K in free cash flow during fiscal year 2025. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Seneca Bancorp, Inc.'s operating cash flow?

Seneca Bancorp, Inc. (SNNF) generated $4.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Seneca Bancorp, Inc.'s total assets?

Seneca Bancorp, Inc. (SNNF) had $312.1M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Seneca Bancorp, Inc.'s capital expenditures?

Seneca Bancorp, Inc. (SNNF) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Seneca Bancorp, Inc. buy back shares?

Yes, Seneca Bancorp, Inc. (SNNF) spent $70K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Seneca Bancorp, Inc. have outstanding?

Seneca Bancorp, Inc. (SNNF) had 2M shares outstanding as of fiscal year 2025.

What is Seneca Bancorp, Inc.'s debt-to-equity ratio?

Seneca Bancorp, Inc. (SNNF) had a debt-to-equity ratio of 8.53 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Seneca Bancorp, Inc.'s return on assets (ROA)?

Seneca Bancorp, Inc. (SNNF) had a return on assets of 0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Are Seneca Bancorp, Inc.'s earnings high quality?

Seneca Bancorp, Inc. (SNNF) has an earnings quality ratio of 27.72x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.