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Seneca Bancorp, Inc. (SNNF)
USD12.10
-0.30 (-2.42%)
US OTC Financial Services Banks - Regional
Address
35 Oswego Street 13027
New York, NY, US
New York, NY, US
CEO
Joseph G. Vitale
Website
senecasavings.com
IPO
2017-10-12
CIK 1708715 ISIN US8169451098
Description
Seneca Bancorp, Inc. functions as a parent entity, primarily focused on delivering community-oriented banking services. The company's financial offerings include various account types, such as checking, savings, retirement, and certificate accounts. Furthermore, it extends diverse lending solutions, encompassing mortgages, construction financing, business loans, and personal credit. Beyond traditional banking, Seneca Bancorp provides clients with financial planning and investment advisory services, and it facilitates the sale of insurance and investment products through external brokers. This institution was established on June 6, 2025, with its main operational base located in New York, NY.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD12.10
-0.30 (-2.42%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.4K
Beta
0.25
Float Shares
1.41M
Free Float %
78.4%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +2.80% | +8.70% | +17.81% | +25.25% | +19.05% | +15.21% | +56.25% | +13.74% | +5.93% | +5.93% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
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Revenue composition
From
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By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
12.10
Quality scores
Altman Z-Score
0.18
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
4 / 5
High
Operational MOAT
-
Revenue growth+10.6% Q1'26: +69.5% (vs Q1'25)
-
EPS growth-76.1% Q1'26: -121.7% (vs Q1'25)
-
FCF margin— Q1'26: -17.5% (vs Q1'25)
-
EBIT margin— Q1'26: -1.0% (vs Q1'25)
-
ROIC— Q1'26: -0.3% (vs Q1'25)
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Share dilution+2.0% Q1'26: -6.7% (vs Q1'25)
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Debt / EBITDA— Q1'26: 63.08× (vs Q1'25)
Valuation Multiples
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Price Forecast (3Y)
From
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Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-15 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-14 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-13 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-12 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-11 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-08 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-06 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-05 | C+ | 2/5 | 3/5 | 1/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-04 | C+ | 2/5 | 3/5 | 1/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-01 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-30 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-28 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-22 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-17 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-5.65M
OE per share TTM
-3.16
Owner's Yield
-26.34%
Maintenance CapEx ratio
5,264.14%
Maint CapEx / Avg PPE
62.2%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
4
Beneficial owners (>5%)
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Seneca Financial MHC | 1.07M | 54.00% | 1.07M | — | 1.07M | 10.00 | HC | United States of America | 2017-10-11 | ↗ |
| 2 | Joseph Stilwell | 113.9K | 5.96% | — | 113.9K | — | 113.9K | IN | Delaware | 2022-02-01 | ↗ |
| 3 | Stilwell Partners, L.P. | 113.9K | 5.96% | — | 113.9K | — | 113.9K | PN | Delaware | 2022-02-01 | ↗ |
| 4 | Stilwell Value LLC | 113.9K | 5.96% | — | 113.9K | — | 113.9K | OO | Delaware | 2022-02-01 | ↗ |
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
2
Sells
0
Shares acquired
1.7K
Shares disposed
—
Cash buys
1.00
Cash sales
—
Net activity
+1,665
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2020-11-09 | Zames Mark | Director | L-Small | A | Common Stock | 665 | 7.73 | 5.1K | 2,895 | — | ↗ |
| 2020-11-09 | Le Beau William | Director | P-Purchase | A | Common Stock | 1,000 | 7.74 | 7.7K | 16,000 | — | ↗ |
| 2020-07-15 | Zames Mark | Director | L-Small | A | Common Stock | 380 | 7.50 | 2.9K | 2,230 | — | ↗ |
| 2020-05-20 | Fazio Vincent J | Director / Officer | P-Purchase | A | Common Stock | 500 | 7.00 | 3.5K | 1,500 | — | ↗ |
| 2020-05-19 | Vitale Joseph G | Director / Officer | A-Award | A | Stock Options | 1,750 | 6.52 | 11.4K | 1,750 | — | ↗ |
| 2020-05-19 | Fazio Vincent J | Director / Officer | A-Award | A | Stock Options | 1,750 | 6.52 | 11.4K | 1,750 | — | ↗ |
| 2019-08-16 | Vitale Joseph G | Director / Officer | A-Award | A | Stock Options | 5,000 | 9.20 | 46.0K | 5,000 | — | ↗ |
| 2019-08-16 | Savicki Robert | Director | A-Award | A | Stock Options | 4,000 | 9.20 | 36.8K | 4,000 | — | ↗ |
| 2019-08-16 | Marlowe Francis R | Director | A-Award | A | Stock Options | 4,000 | 9.20 | 36.8K | 4,000 | — | ↗ |
| 2019-08-16 | Major Ken | Director | A-Award | A | Stock Options | 4,000 | 9.20 | 36.8K | 4,000 | — | ↗ |
| 2019-08-16 | Le Beau William | Director | A-Award | A | Stock Options | 4,000 | 9.20 | 36.8K | 4,000 | — | ↗ |
| 2019-08-16 | Hickey James M | Director | A-Award | A | Stock Options | 4,000 | 9.20 | 36.8K | 4,000 | — | ↗ |
| 2019-08-16 | Fazio Vincent J | Director / Officer | A-Award | A | Stock Options | 5,000 | 9.20 | 46.0K | 5,000 | — | ↗ |
| 2019-05-23 | Vitale Joseph G | Director / Officer | P-Purchase | A | Common Stock | 783 | 8.60 | 6.7K | 11,883 | — | ↗ |
| 2019-05-22 | Major Ken | Director | P-Purchase | A | Common Stock | 100 | 8.60 | 860.00 | 100 | — | ↗ |
| 2018-12-03 | Vitale Joseph G | Director / Officer | P-Purchase | A | Common Stock | 1,000 | 8.83 | 8.8K | 11,100 | — | ↗ |
| 2018-08-30 | Savicki Robert | Director | L-Small | A | Common Stock | 100 | 9.12 | 912.10 | 200 | — | ↗ |
| 2018-08-29 | Savicki Robert | Director | L-Small | A | Common Stock | 100 | 8.95 | 895.00 | 100 | — | ↗ |
| 2018-08-24 | Major Ken | Director | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2018-05-25 | Savicki Robert | Director | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2017-12-04 | Vitale Joseph G | Director / Officer | P-Purchase | A | Common Stock | 100 | 9.05 | 905.00 | 10,100 | — | ↗ |
| 2017-10-12 | Le Beau William | Director | P-Purchase | A | Common Stock | 5,000 | 11.00 | 55.0K | 5,000 | — | ↗ |
| 2017-10-11 | Vitale Joseph G | Director / Officer | — | I | Common Stock | 0 | 0.00 | — | 10,000 | — | ↗ |
| 2017-10-11 | Sageer George J | Officer | — | D | Common Stock | 0 | 0.00 | — | 500 | — | ↗ |
| 2017-10-11 | Marlowe Francis R | Director | — | D | Common Stock | 0 | 0.00 | — | 1,000 | — | ↗ |
| 2017-10-11 | Le Beau William | Director | — | I | Common Stock | 0 | 0.00 | — | 15,000 | — | ↗ |
| 2017-10-11 | Johnson Joan M | Director | — | I | Common Stock | 0 | 0.00 | — | 15,000 | — | ↗ |
| 2017-10-11 | Hickey James M | Director | — | D | Common Stock | 0 | 0.00 | — | 1,500 | — | ↗ |
| 2017-10-11 | Gould William J | Director | — | D | Common Stock | 0 | 0.00 | — | 2,000 | — | ↗ |
| 2017-10-11 | Fazio Vincent J | Director / Officer | — | D | Common Stock | 0 | 0.00 | — | 1,000 | — | ↗ |
Executive team
Top executives
EBIT / Employee
3.7K
Shares Outstanding
1.80M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2019 | Joseph G. Vitale, President and Chief Executive Officer | 183.6K | 47.8K | — | 12.6K | — | 2.4K | 246.4K | 5.11% | ↗ |
| 2 | 2019 | Vincent J. Fazio, Executive Vice President and Chief Financial Officer | 119.8K | 28.6K | — | 12.6K | — | 1.7K | 162.6K | 7.75% | ↗ |
| 3 | 2018 | Joseph G. Vitale, President and Chief Executive Officer | 170.5K | 28.4K | — | — | — | 2.2K | 201.1K | 0.00% | ↗ |
| 4 | 2018 | Vincent J. Fazio, Executive Vice President and Chief Financial Officer | 111.7K | 19.0K | — | — | — | 1.6K | 132.3K | 0.00% | ↗ |
| 5 | 2018 | George J. Sageer, Executive Vice President and Director of Retail Banking | 103.6K | — | — | — | — | 1.5K | 105.1K | 0.00% | ↗ |
| 6 | 2017 | Joseph G. Vitale, President and Chief Executive Officer | 164.1K | 34.4K | — | — | — | 531.00 | 199.1K | 0.00% | ↗ |
| 7 | 2017 | Vincent J. Fazio, Executive Vice President and Chief Financial Officer | 107.3K | 20.6K | — | — | — | 441.00 | 128.4K | 0.00% | ↗ |
| 8 | 2017 | George J. Sageer, Executive Vice President and Director of Retail Banking | 99.8K | 11.7K | — | — | — | 457.00 | 100.9K | 0.00% | ↗ |
| 9 | 2016 | Joseph G. Vitale, President and Chief Executive Officer | 155.8K | 25.0K | — | — | — | 46.00 | 180.8K | 0.00% | ↗ |
| 10 | 2016 | Vincent J. Fazio, Executive Vice President and Chief Financial Officer | 106.1K | 15.0K | — | — | — | 87.00 | 121.2K | 0.00% | ↗ |
| 11 | 2016 | George J. Sageer, Executive Vice President and Director of Retail Banking | 93.2K | 15.0K | — | — | — | 108.00 | 108.3K | 0.00% | ↗ |
CEO compensation breakdown
Proxy statements
Proxy statements (DEF 14A)
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Joseph G. Vitale | President, Chief Executive Officer & Director | 382.2K | male |
| Angelo Testani | Senior Vice President of Commercial Lending | 237.0K | male |
| Vincent J. Fazio | Executive Vice President, Chief Financial Officer & Director | 219.4K | male |
| Gregory Boshart | Senior Vice President of Financial Quest | — | male |
| Jamie Nastri | Corporate Secretary & Senior Vice President of Operations | — | female |
| Laurie Ucher | Senior Vice President of Retail Banking | — | female |
| Thomas Mavretish | Vice President & Controller | — | male |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for SNNF
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
