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Seneca Bancorp, Inc. Financials

SNNF
Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Seneca Bancorp, Inc. (SNNF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SNNF FY2025

Balance-sheet growth is improving cash generation, but thin earnings show added revenue is being absorbed by costs.

FY2025 operating cash flow reached $4.8M even though net income shrank to $172K, the opposite of a clean earnings-led improvement. Paired with ROA of just 0.1% on a $312.1M asset base, that says the business is moving more cash through the balance sheet than it is converting into accounting profit.

Leverage remains the core operating constraint: liabilities stood at $279.4M against equity of $32.8M, so small shifts in funding or overhead can materially change shareholder returns. The reported debt-to-equity ratio improved to 8.5x from 10.8x even while liabilities increased, meaning the ratio got better because equity expanded faster than the balance sheet, not because the company became meaningfully smaller.

Revenue growth did not drop through to profit: FY2025 added only $1.3M of revenue, while interest expense and SG&A rose by roughly the same amount. That is why net margin compressed to 1.2% from 5.3%; the business got larger, but the extra scale was largely absorbed before it reached the bottom line.

Generated by Rhea from SEC filings [ NOT FINANCIAL ADVICE ]

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 13 / 100
Financial Profile 13/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Seneca Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth
49

Seneca Bancorp, Inc.'s revenue grew 9.5% year-over-year to $14.6M, a solid pace of expansion. This earns a growth score of 49/100.

Leverage
0

Seneca Bancorp, Inc. has elevated debt relative to equity (D/E of 8.53), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow
13

While Seneca Bancorp, Inc. generated $4.8M in operating cash flow, capex of $4.8M consumed most of it, leaving -$30K in free cash flow. This results in a low score of 13/100, reflecting heavy capital investment rather than weak cash generation.

Returns
14

Seneca Bancorp, Inc. generates a 0.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 14/100. This is down from 3.0% the prior year.

Piotroski F-Score Weak
3/9

Seneca Bancorp, Inc. passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

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
$14.6M
YoY+9.5%

Seneca Bancorp, Inc. generated $14.6M in revenue in fiscal year 2025. This represents an increase of 9.5% from the prior year.

EBITDA
N/A
Net Income
$172K
YoY-75.8%

Seneca Bancorp, Inc. reported $172K in net income in fiscal year 2025. This represents a decrease of 75.8% from the prior year.

EPS (Diluted)
$0.10
YoY-76.2%

Seneca Bancorp, Inc. earned $0.10 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 76.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow
-$30K
YoY+98.1%

Seneca Bancorp, Inc. generated -$30K in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 98.1% from the prior year.

Cash & Debt
$5.3M
YoY-21.5%

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
2M
YoY+1.1%

Seneca Bancorp, Inc. had 2M shares outstanding in fiscal year 2025. This represents an increase of 1.1% from the prior year.

Margins & Returns

Gross Margin
N/A
Operating Margin
N/A
Net Margin
1.2%
YoY-4.2pp

Seneca Bancorp, Inc.'s net profit margin was 1.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 4.2 percentage points from the prior year.

Return on Equity
0.5%
YoY-2.5pp

Seneca Bancorp, Inc.'s ROE was 0.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.5 percentage points from the prior year.

Capital Allocation

R&D Spending
N/A
Share Buybacks
N/A
Capital Expenditures
$4.8M
YoY+44.6%

Seneca Bancorp, Inc. invested $4.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 44.6% from the prior year.

SNNF Income Statement

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
Revenue $3.8M+0.3% $3.8M+1.0% $3.8M+5.1% $3.6M+4.6% $3.4M N/A $3.4M+2.3% $3.3M
Cost of Revenue N/A N/A N/A N/A N/A N/A N/A N/A
Gross Profit N/A N/A N/A N/A N/A N/A N/A N/A
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses $1.6M+15.3% $1.4M+0.4% $1.4M-1.6% $1.4M+7.9% $1.3M N/A $1.2M+4.0% $1.2M
Operating Income N/A N/A N/A N/A N/A N/A N/A N/A
Interest Expense $1.4M-8.0% $1.5M-3.1% $1.6M+13.9% $1.4M+4.2% $1.3M N/A $1.3M-2.9% $1.4M
Income Tax $7K+129.2% -$24K-161.5% $39K+211.4% -$35K-220.7% $29K N/A $44K+18.9% $37K
Net Income -$50K-242.9% $35K-81.1% $185K+194.4% -$196K-232.4% $148K N/A $328K+86.4% $176K
EPS (Diluted) $-0.03 N/A $0.10+190.9% $-0.11-222.2% $0.09 N/A $0.19+90.0% $0.10

SNNF Balance Sheet

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
Total Assets $315.9M+1.2% $312.1M-1.4% $316.5M+5.8% $299.1M N/A $280.9M N/A N/A
Current Assets N/A N/A N/A N/A N/A N/A N/A N/A
Cash & Equivalents $7.2M+35.2% $5.3M-62.7% $14.3M+11.4% $12.8M+96.9% $6.5M-4.0% $6.8M-5.0% $7.1M+12.8% $6.3M
Inventory N/A N/A N/A N/A N/A N/A N/A N/A
Accounts Receivable N/A N/A N/A N/A N/A N/A N/A N/A
Goodwill $412K0.0% $412K0.0% $412K0.0% $412K N/A $412K N/A N/A
Total Liabilities $283.3M+1.4% $279.4M-4.3% $292.0M+6.1% $275.3M N/A $257.1M N/A N/A
Current Liabilities N/A N/A N/A N/A N/A N/A N/A N/A
Long-Term Debt N/A N/A N/A N/A N/A N/A N/A N/A
Total Equity $32.6M-0.6% $32.8M+34.1% $24.4M+2.8% $23.8M-0.9% $24.0M+0.5% $23.9M+0.1% $23.8M+4.6% $22.8M
Retained Earnings $22.5M-0.2% $22.5M+0.2% $22.5M+0.8% $22.3M N/A $22.4M N/A N/A

SNNF Cash Flow Statement

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
Operating Cash Flow -$600K+81.5% -$3.2M-140.6% $8.0M+1661.3% $452K+210.0% -$411K-153.0% $775K+15400.0% $5K N/A
Capital Expenditures $176K-91.8% $2.1M+206.2% $699K-33.4% $1.1M+15.6% $908K+6.0% $857K-57.6% $2.0M N/A
Free Cash Flow -$776K+85.6% -$5.4M-174.0% $7.3M+1314.4% -$598K+54.7% -$1.3M-1508.5% -$82K+95.9% -$2.0M N/A
Investing Cash Flow -$2.5M+58.1% -$6.0M+57.5% -$14.0M-10.8% -$12.6M-2283.2% $579K+104.5% -$12.9M-20071.9% -$64K N/A
Financing Cash Flow $5.0M+2111.6% $225K-97.0% $7.5M-59.4% $18.5M+4314.6% -$439K-103.7% $11.8M+1256.7% $868K N/A
Dividends Paid N/A N/A N/A N/A N/A N/A N/A N/A
Share Buybacks N/A N/A N/A N/A N/A $0 $0 N/A

SNNF Financial Ratios

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
Gross Margin N/A N/A N/A N/A N/A N/A N/A N/A
Operating Margin N/A N/A N/A N/A N/A N/A N/A N/A
Net Margin -1.3%-2.2pp 0.9%-4.0pp 4.9%+10.4pp -5.5%-9.8pp 4.3% N/A 9.6%+4.3pp 5.3%
Return on Equity -0.1%-0.3pp 0.1%-0.7pp 0.8%+1.6pp -0.8%-1.4pp 0.6% N/A 1.4%+0.6pp 0.8%
Return on Assets -0.0%-0.0pp 0.0%-0.0pp 0.1%+0.1pp -0.1% N/A N/A N/A N/A
Current Ratio N/A N/A N/A N/A N/A N/A N/A N/A
Debt-to-Equity 8.70+0.2 8.53-3.4 11.96+0.4 11.59 N/A 10.78 N/A N/A
FCF Margin -20.3%+120.6pp -140.9%-333.0pp 192.2%+208.8pp -16.6%+21.7pp -38.4% N/A -59.0% N/A

Frequently Asked Questions

Seneca Bancorp, Inc. (SNNF) reported $14.6M in total revenue for fiscal year 2025. This represents a 9.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Seneca Bancorp, Inc. (SNNF) revenue grew by 9.5% year-over-year, from $13.4M to $14.6M in fiscal year 2025.

Yes, Seneca Bancorp, Inc. (SNNF) reported a net income of $172K in fiscal year 2025, with a net profit margin of 1.2%.

Seneca Bancorp, Inc. (SNNF) reported diluted earnings per share of $0.10 for fiscal year 2025. This represents a -76.2% change compared to the previous fiscal year. 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. (SNNF) had a net profit margin of 1.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

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.

Seneca Bancorp, Inc. (SNNF) generated -$30K in free cash flow during fiscal year 2025. This represents a 98.1% change compared to the previous fiscal year. 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.

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

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

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

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

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.

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.

Seneca Bancorp, Inc. (SNNF) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

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.

Seneca Bancorp, Inc. (SNNF) scores 13 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.

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