Seneca Bancorp, Inc.

SNNFOTC

Financials · National Commercial Banks · MD · SEC filings ↗ · Compare ⊕

Financials

SEC XBRL · annual

	FY25	FY24
Revenue	—	—
Operating income	—	—
Net income	$172,000	$712,000
Total assets	$312.1M	$280.9M
Total liabilities	$279.4M	$257.1M
Equity	$32.8M	$23.9M
EPS (diluted)	$0.10	$0.42
Shares out.	1.8M	1.8M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025

Operating margin: —
Net margin: —
Return on equity: 0.5%
Return on assets: 0.1%
Return on capital (ROCE): —
Liabilities / assets: 89.5%
Debt / equity: 8.53×
Book value / share: $18.19
Revenue growth (YoY): —
Net income growth (YoY): −75.8%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025

Accruals / assets: −1.5%clean
Piotroski F-Score: 4/6mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score

/ 100

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 warning● 2 good

High leverage (liabilities > 70% of assets)
Positive operating cash flow
Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Amended & Restated Seneca Savings Bank, National Association Employee Stock Ownership Plan TrustPassive (13G)Mar 2, 2026
Minerva Advisors LlcPassive (13G)Feb 13, 2026
Zames MarkActivist (13D)Oct 21, 2025

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly

Settlement	Shares short	Days to cover	Δ vs prior
Apr 30, 2026	212	1.0	-0.5%
Apr 15, 2026	213	1.0	+110.9%
Mar 31, 2026	101	1.0	+10000.0%
Mar 13, 2026	1	1.0	0.0%
Feb 27, 2026	1	1.0	0.0%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

8-KMay 20, 2026
10-QMay 14, 2026
ARSApr 17, 2026
DEF 14AApr 17, 2026
10-KMar 30, 2026
SCHEDULE 13GMar 2, 2026
SCHEDULE 13G/AFeb 13, 2026
EFFECTNov 25, 2025
4FORM 4Nov 25, 2025
4FORM 4Nov 25, 2025
4FORM 4Nov 25, 2025
4FORM 4Nov 25, 2025
POS AMNov 25, 2025
S-8FORM S-8Nov 21, 2025
SCHEDULE 13GNov 20, 2025

Event-driven situations (2)

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