Income statement, balance sheet and cash flow statement for the last 2 fiscal years, taken from the XBRL data Seneca Bancorp, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2025
FY2025
Interest income
0.26
0.28
Pre-tax income
0.82
0.18
Income tax
0.1
0.01
Net income
0.71
0.17
EPS, basic
0.42
0.10
EPS, diluted
0.42
0.10
Shares, basic (weighted)
1.7
1.74
Shares, diluted (weighted)
1.7
1.75
Balance sheet
FY2025
FY2025
Cash and equivalents
6.79
5.33
Property, plant and equipment
8.8
13.2
Goodwill
0.41
0.41
Intangible assets
0.58
0.43
Total assets
281
312
Total liabilities
257
279
Paid-in capital
8.12
15.2
Retained earnings
22.4
22.5
Treasury stock
-1.56
Other comprehensive income
-4.48
-3.65
Shareholders' equity
23.9
32.8
Total equity
23.9
32.8
Total liabilities and equity
281
312
Shares outstanding
1.78
1.8
Cash flow statement
FY2025
FY2025
Net income
0.71
0.17
Depreciation and amortization
0.53
0.56
Stock-based compensation
0.07
0.06
Deferred income tax
0.09
-0.03
Cash from operations
1.72
4.77
Capital expenditures
-3.32
-4.8
Purchases of investments
-12.9
-28.6
Sales and maturities of investments
0.56
25
Cash from investing
-21.1
-32
Share buybacks
-0.07
Cash from financing
22.2
25.8
Net change in cash
2.87
-1.46
Free cash flow
-1.6
-0.03
Interest paid
5.21
5.78
Income taxes paid
0.1
0.02
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $13.45 on November 10, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
3.0%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
0.8%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.1%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
-75.8%
Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y
-76.2%
EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
178.0%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
37.3%
Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y
11.1%
Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y
2.6%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
59.4%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$0.16
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$1.33
Free cash flow / diluted weighted shares.
Operating cash flow per share
$3.27
Cash from operations / diluted weighted shares.
Book value per share
$18.20
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/E
92.1x
Market cap / net income. Only when net income is positive.
P/B
0.74x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.76x
Market cap / tangible book value, when positive.
P/FCF
11.0x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
4.45x
Market cap / cash from operations, when positive.
EV/FCF
7.27x
Enterprise value / free cash flow, when both are positive.
FCF yield
9.1%
Free cash flow / market cap.
Earnings yield
1.1%
Net income / market cap (the inverse of P/E).
Was Seneca Bancorp, Inc. profitable in fiscal 2025?
Yes. Net income was $172.0K, a net margin of -.
How much free cash flow did Seneca Bancorp, Inc. generate in fiscal 2025?
Cash from operations of $4.8M minus capital expenditures of $4.8M left free cash flow of -$30.0K.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.