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Seneca Bancorp, Inc. operates as the holding company for Seneca Savings that provides various financial services to individual and corporate customers in the United States. It operates through two business segments: Banking and Wealth Management. The company offers demand, NOW, checking, savings, clubs, money market, and retirement accounts, as well as certificate of deposit accounts and non-interest-bearing deposits. It also provides one-to-four family first lien residential mortgages, residential construction, commercial real estate, home equity loans and lines of credit, and commercial loans, as well as industrial and consumer loans. In addition, the company offers financial planning and investment advisory services, as well as sells various insurance and investment products through broker networks. Further, it engages in online banking business. Seneca Bancorp, Inc. was founded in 1928 and is headquartered in Baldwinsville, New York.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Seneca Financial Corp is a Pink‑listed financial services company that appears to operate as a small bank holding company with limited public disclosures. Long-term growth drivers may include loan and deposit expansion, net interest margin management and fee-income diversification, which could support modest franchise value.
Key risks include thin trading and illiquidity on the Pink market, limited scale with loan or deposit concentration, and regulatory or capital shortfalls that could constrain operations.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 0.18M | 0.82M | 0.89M | - | - |
| Net income | 0.17M | 0.71M | 0.76M | - | - |
| Selling general administrative | 5.72M | 0.57M | 0.55M | - | - |
| Selling and marketing expenses | 0.31M | 0.35M | 0.34M | - | - |
| Gross profit | 10.26M | 9.69M | 12.80M | - | - |
| Reconciled depreciation | 0.56M | 0.53M | - | - | - |
| Ebit | 0.18M | 0.28M | 0.89M | - | - |
| Ebitda | 0.74M | 0.81M | 1.32M | - | - |
| Depreciation and amortization | 0.56M | 0.53M | 0.42M | - | - |
| Operating income | 0.18M | 0.81M | 0.89M | - | - |
| Other operating expenses | 16.66M | 14.41M | 5.91M | 1.66M | 1.19M |
| Interest expense | 5.73M | 5.23M | 1.03M | - | - |
| Tax provision | 0.01M | 0.10M | - | - | - |
| Interest income | 14.63M | 13.36M | - | - | - |
| Net interest income | 8.90M | 8.13M | - | - | - |
| Income tax expense | 0.01M | 0.10M | 0.14M | 0.33M | 0.37M |
| Total revenue | 16.84M | 15.22M | 8.94M | - | - |
| Total operating expenses | 10.08M | 6.59M | 5.91M | - | - |
| Cost of revenue | 6.57M | 15.22M | -3.87M | - | - |
| Total other income expense net | - | 0.01M | -2.13M | - | - |
| Net income from continuing ops | 0.17M | 0.71M | - | - | - |
| Net income applicable to common shares | - | - | - | 1.62M | 1.78M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 312.11M | 283.31M | 258.98M | - | - |
| Intangible assets | 0.43M | 0.58M | 1.15M | - | - |
| Other current assets | - | 8.04M | 5.08M | 1.04M | 0.92M |
| Total liab | 279.36M | 259.45M | 236.33M | - | - |
| Total stockholder equity | 32.75M | 23.86M | 22.65M | - | - |
| Other current liab | 234.43M | 190.71M | 165.72M | - | - |
| Common stock | 0.02M | 0.01M | 0.01M | 0.01M | 0.01M |
| Capital stock | 0.02M | 0.01M | - | - | - |
| Retained earnings | 22.55M | 22.38M | 21.66M | 20.91M | 19.29M |
| Other liab | - | - | - | 4.19M | 5.79M |
| Good will | 0.41M | 0.41M | 231.90M | - | - |
| Other assets | - | 275.27M | 1.16M | 181.69M | 158.46M |
| Cash | 5.33M | 6.79M | 3.92M | - | - |
| Total current liabilities | 234.43M | 200.21M | 165.72M | 191.75M | 161.37M |
| Net debt | 30.24M | 41.25M | 23.58M | - | - |
| Short term debt | - | 9.50M | 8.00M | - | - |
| Short long term debt total | 35.57M | 41.25M | 27.50M | - | - |
| Other stockholder equity | 13.83M | 6.56M | 6.56M | -6.82M | -1.89M |
| Property plant equipment | - | - | - | 5.64M | 5.80M |
| Total current assets | 27.64M | 8.04M | 3.92M | 5.59M | 4.49M |
| Long term investments | 20.84M | 24.28M | - | - | - |
| Net tangible assets | - | - | - | 21.03M | 24.36M |
| Short term investments | 20.84M | 24.28M | - | - | - |
| Net receivables | 1.48M | 1.25M | - | - | - |
| Long term debt | 35.57M | 41.25M | - | - | - |
| Inventory | - | - | - | 0.12M | 0.04M |
| Accounts payable | - | - | - | 184.25M | 160.07M |
| Accumulated other comprehensive income | -3.65M | -5.09M | -5.58M | - | - |
| Non currrent assets other | 44.41M | 268.78M | 241.65M | - | - |
| Non current assets total | 284.47M | 280.94M | 253.90M | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -1.40M | -11.48M | - | -1.20M | -3.54M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -32.02M | -20.97M | -20.52M | -23.40M | 5.58M |
| Net borrowings | -5.69M | 5.75M | - | 0.05M | -13.15M |
| Total cash from financing activities | 25.79M | 22.21M | 19.49M | 24.39M | -9.23M |
| Change to operating activities | - | - | - | -1.83M | -0.18M |
| Net income | 0.17M | 0.71M | 0.76M | 1.62M | 1.78M |
| Change in cash | -1.46M | 2.87M | -0.51M | 0.90M | -0.45M |
| Begin period cash flow | 6.79M | 3.92M | 4.43M | - | - |
| End period cash flow | 5.33M | 6.79M | 3.92M | - | - |
| Total cash from operating activities | 4.77M | 1.63M | 0.52M | -0.08M | 3.20M |
| Issuance of capital stock | 8.57M | 0.00M | - | - | - |
| Depreciation | 0.56M | 0.53M | 0.42M | 0.43M | 0.39M |
| Other cashflows from investing activities | -25.82M | -6.17M | -19.21M | 0.26M | 0.63M |
| Change to account receivables | -0.23M | -0.09M | -0.12M | - | - |
| Sale purchase of stock | -0.84M | -0.07M | -0.45M | - | - |
| Other cashflows from financing activities | 23.74M | 16.53M | 11.44M | 24.41M | 4.31M |
| Change to netincome | - | - | - | -0.18M | 1.14M |
| Capital expenditures | 4.80M | 3.32M | 0.59M | 0.27M | 0.68M |
| Change in working capital | 3.01M | -0.14M | -0.88M | - | - |
| Stock based compensation | 0.14M | 0.10M | 0.10M | - | - |
| Other non cash items | 0.91M | 1.06M | 0.12M | - | - |
| Free cash flow | -0.03M | -1.68M | -0.07M | - | - |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| SNNF Seneca Financial Corp |
0.05 0.37% |
13.60 | 87.50 | - | 2.18 | 0.77 | 5.04 |
| DBSDY DBS Group Holdings Ltd ADR |
2.64 1.19% |
223.88 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.63% |
34.25 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
1.29 1.58% |
82.76 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Seneca Bancorp, Inc. operates as the holding company for Seneca Savings that provides various financial services to individual and corporate customers in the United States. It operates through two business segments: Banking and Wealth Management. The company offers demand, NOW, checking, savings, clubs, money market, and retirement accounts, as well as certificate of deposit accounts and non-interest-bearing deposits. It also provides one-to-four family first lien residential mortgages, residential construction, commercial real estate, home equity loans and lines of credit, and commercial loans, as well as industrial and consumer loans. In addition, the company offers financial planning and investment advisory services, as well as sells various insurance and investment products through broker networks. Further, it engages in online banking business. Seneca Bancorp, Inc. was founded in 1928 and is headquartered in Baldwinsville, New York.
35 Oswego Street, Baldwinsville, NY, United States, 13027
315 638 0233
57
| Name | Title | Year Born |
|---|---|---|
| Mr. Joseph G. Vitale | Pres, CEO & Director | 1972 |
| Mr. Vincent J. Fazio | Exec. VP, CFO & Director | 1961 |
| Mr. Angelo Testani | Sr. VP of Commercial Lending | NA |
| Ms. Laurie Ucher | Sr. VP of Retail Banking | NA |
| Mr. Gregory Boshart | Sr. VP of Financial Quest | NA |
| Mr. Thomas Mavretish | VP & Controller | NA |
| Ms. Jamie Nastri | Corp. Sec. | NA |
| Rebecca Smith | Assistant VP of Lending | NA |
| Mr. Joseph G. Vitale | President, CEO & Director | 1972 |
| Mr. Angelo Testani | Executive VP & Chief Banking Officer | 1966 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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