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Seneca Financial Corp (SNNF)
OTHER OTC:SNNF
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SNNF
Seneca Financial
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Seneca Financial (SNNF) Ratios

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Seneca Financial Ratios

SNNF's free cash flow for Q2 2026 was $0.68. For the 2026 fiscal year, SNNF's free cash flow was decreased by $ and operating cash flow was $0.02. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.81 0.12 0.04 0.02 0.04
Quick Ratio
 0.81 0.12 0.04 0.02 0.04
Cash Ratio
 0.43 0.02 0.03 0.02 0.03
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 1.36 0.02 <0.01 <0.01 >-0.01
Short-Term Operating Cash Flow Coverage
 1.36 0.00 0.17 0.00 -0.01
Net Current Asset Value
$ -276.35M$ -251.72M$ -251.41M$ -232.41M$ -207.63M
Leverage Ratios
Debt-to-Assets Ratio
 0.11 0.11 0.15 0.11 0.11
Debt-to-Equity Ratio
 1.06 1.09 1.73 1.21 1.19
Debt-to-Capital Ratio
 0.51 0.52 0.63 0.55 0.54
Long-Term Debt-to-Capital Ratio
 0.48 0.52 0.57 0.55 0.45
Financial Leverage Ratio
 9.53 9.53 11.87 11.43 11.25
Debt Service Coverage Ratio
 0.06 0.13 0.07 1.15 0.26
Interest Coverage Ratio
 0.05 0.03 0.00 0.87 4.24
Debt to Market Cap
 1.37 1.92 3.23 2.07 1.20
Interest Debt Per Share
 24.55 23.38 23.46 15.87 13.50
Net Debt to EBITDA
 53.83 40.81 42.55 17.90 8.72
Profitability Margins
Gross Profit Margin
64.85%60.96%63.68%143.31%89.92%
EBIT Margin
1.52%1.08%5.32%10.01%18.75%
EBITDA Margin
3.43%4.40%5.32%14.74%22.93%
Operating Profit Margin
1.52%1.08%5.32%10.01%18.75%
Pretax Profit Margin
1.52%1.08%5.36%10.01%18.94%
Net Profit Margin
1.48%1.02%4.68%8.45%15.77%
Continuous Operations Profit Margin
1.48%1.02%4.68%8.45%15.77%
Net Income Per EBT
97.05%95.03%87.25%84.45%83.23%
EBT Per EBIT
100.00%100.00%100.74%100.00%101.04%
Return on Assets (ROA)
0.08%0.06%0.25%0.29%0.69%
Return on Equity (ROE)
0.86%0.53%2.98%3.33%7.72%
Return on Capital Employed (ROCE)
0.09%0.23%0.97%0.96%2.00%
Return on Invested Capital (ROIC)
0.08%0.22%0.72%0.82%1.54%
Return on Tangible Assets
0.08%0.06%0.25%0.29%6.52%
Earnings Yield
1.14%0.93%5.58%5.68%7.79%
Efficiency Ratios
Receivables Turnover
 11.78 11.38 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 1.34 1.28 1.73 1.53 1.82
Asset Turnover
 0.06 0.05 0.05 0.03 0.04
Working Capital Turnover Ratio
 -5.24 -0.08 -0.09 -0.06 -0.08
Cash Conversion Cycle
 30.99 32.06 0.00 0.00 0.00
Days of Sales Outstanding
 30.99 32.06 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 30.99 32.06 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 3.31 2.70 0.93 0.29 -0.04
Free Cash Flow Per Share
 1.34 -0.02 -0.96 -0.04 -0.19
CapEx Per Share
 1.96 2.72 1.89 0.33 0.15
Free Cash Flow to Operating Cash Flow
 0.41 >-0.01 -1.03 -0.13 4.34
Dividend Paid and CapEx Coverage Ratio
 1.68 0.99 0.49 0.89 -0.30
Capital Expenditure Coverage Ratio
 1.68 0.99 0.49 0.89 -0.30
Operating Cash Flow Coverage Ratio
 0.16 0.13 0.04 0.02 >-0.01
Operating Cash Flow to Sales Ratio
 0.31 0.28 0.11 0.06 >-0.01
Free Cash Flow Yield
8.77%-0.16%-13.18%-0.50%-1.71%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 96.22 107.80 18.15 17.62 12.84
Price-to-Sales (P/S) Ratio
 1.42 1.10 0.84 1.49 2.02
Price-to-Book (P/B) Ratio
 0.70 0.57 0.54 0.59 0.99
Price-to-Free Cash Flow (P/FCF) Ratio
 11.41 -618.33 -7.59 -198.54 -58.54
Price-to-Operating Cash Flow Ratio
 4.24 3.89 7.81 25.53 -254.15
Price-to-Earnings Growth (PEG) Ratio
 -0.56 -1.43 -3.81 -0.34 -1.13
Price-to-Fair Value
 0.70 0.57 0.54 0.59 0.99
Enterprise Value Multiple
 95.09 65.84 58.31 28.00 17.55
Enterprise Value
 58.10M 48.79M 47.23M 36.88M 41.41M
EV to EBITDA
 95.09 65.84 58.31 28.00 17.55
EV to Sales
 3.26 2.90 3.10 4.13 4.02
EV to Free Cash Flow
 26.29 -1.63K -28.06 -550.48 -116.33
EV to Operating Cash Flow
 10.67 10.23 28.91 70.79 -505.04
Tangible Book Value Per Share
 19.44 18.06 13.00 11.96 12.44
Shareholders’ Equity Per Share
 19.90 18.54 13.57 12.60 11.15
Tax and Other Ratios
Effective Tax Rate
 0.03 0.05 0.13 0.16 0.17
Revenue Per Share
 10.82 9.53 8.66 4.97 5.46
Net Income Per Share
 0.16 0.10 0.40 0.42 0.86
Tax Burden
 0.97 0.95 0.87 0.84 0.83
Interest Burden
 1.00 1.00 1.01 1.00 1.01
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.38 0.36 0.43 0.06 0.05
Stock-Based Compensation to Revenue
 <0.01 <0.01 0.00 0.01 <0.01
Income Quality
 20.70 27.72 2.29 0.69 -0.05
Currency in USD