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Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Seneca Bancorp, Inc. ( Seneca Bancorp ; the Company ; we ; our ) is a Maryland corporation that was incorporated in June 2025 to become the registered bank holding company for Seneca Savings Bank, National Association ( Seneca Savings Bank or the Bank ) upon the conversion of Seneca Financial MHC (the Mutual Holding Company ), a federally chartered mutual holding company, from the mutual-to-sto…
$14.00
+$0.00 (+0.00%)
EOD Sep 15, 2026
At 88x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles. Net income declined 76% YoY, profitability momentum has weakened.
87.5x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue
N/A
Net Income (TTM)
$263K
▼ -75.8% YoY
Net Margin
—
P/E
87.5x
Balance Sheet
Total Assets
$312M
Equity
$33M
Total Debt
$0.00
Cash & Equiv.
$8M
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SourceComputed from the 10-Q filed 12 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 13 Aug 2026. How this is calculated.
Price from market data, last close as of 15 Sept 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
At a P/E of 87.5 and a price-to-free-cash-flow of 10.6, Seneca Financial (SNNF) trades below a two-stage DCF intrinsic value of about $37.92 per share, so at $14.00 the stock looks undervalued (170.9% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Seneca Financial scores 52/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $37.92 per share for SNNF, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $28.44. At today's $14.00, that puts the stock about 170.9% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Seneca Financial scores 52 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. SNNF currently trades below its estimated intrinsic value and scores 52/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.