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GBNY 
Generations Bancorp NY Inc (GBNY)
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Upturn Advisory Summary
11/14/2025: GBNY (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 68.33% | Avg. Invested days 102 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 37.17M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.23 | 52 Weeks Range 10.13 - 16.70 | Updated Date 06/29/2025 |
52 Weeks Range 10.13 - 16.70 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.23 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -62.43% | Operating Margin (TTM) -81.1% |
Management Effectiveness
Return on Assets (TTM) -1.18% | Return on Equity (TTM) -13.07% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 43614760 | Price to Sales(TTM) 4.86 |
Enterprise Value 43614760 | Price to Sales(TTM) 4.86 | ||
Enterprise Value to Revenue 7.14 | Enterprise Value to EBITDA - | Shares Outstanding 2278740 | Shares Floating 1775982 |
Shares Outstanding 2278740 | Shares Floating 1775982 | ||
Percent Insiders 17.54 | Percent Institutions - |
Upturn AI SWOT
Generations Bancorp NY Inc
Company Overview
History and Background
Generations Bancorp NY Inc. is a community-focused financial institution offering banking services in New York. Specific founding year and detailed history unavailable in provided context but typical for regional banks.
Core Business Areas
- Retail Banking: Provides checking accounts, savings accounts, loans, and other services to individual customers and small businesses.
- Commercial Banking: Offers lending, deposit, and cash management services to businesses of various sizes.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
Information on leadership and organizational structure not available in provided context, but likely includes a board of directors and executive management team typical of regional banks.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Provides residential mortgage loans. Market share data not available. Competitors include larger national and regional banks (JPM, BAC) and mortgage lenders.
- Commercial Loans: Offers loans to businesses for various purposes. Market share data not available. Competitors include other regional banks and credit unions.
- Checking Accounts: Provides a variety of checking account options for personal and business use. Market share data not available. Competitors include larger national and regional banks.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, facing increasing pressure from fintech companies and fluctuating interest rates.
Positioning
Likely positioned as a community-focused bank with strong local relationships. Specific competitive advantages unavailable in provided context but typically include personalized service and local expertise.
Total Addressable Market (TAM)
TAM is the entire banking market in New York State. Generations Bancorp NY Inc. holds a small fraction of this market, focusing on specific regions and customer segments.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Community relationships
- Personalized customer service
- Local market expertise
Weaknesses
- Limited scale compared to larger banks
- Reliance on local market
- Potential for higher operating costs
- Limited technological resources
Opportunities
- Expansion into new markets within New York
- Increased adoption of digital banking services
- Partnerships with fintech companies
- Growth in local economy
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in local market
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- JPM
- BAC
- USB
- CIT
Competitive Landscape
Generations Bancorp NY Inc. faces competition from larger national and regional banks. Their advantage lies in community relationships and local expertise, but they are challenged by the larger banks' scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data not available in provided context.
Future Projections: Future projections data not available in provided context.
Recent Initiatives: Recent strategic initiatives not available in provided context.
Summary
Generations Bancorp NY Inc. is a community bank focusing on local relationships. It benefits from its community ties but is limited by its smaller scale. Future success depends on its ability to adapt to digital banking and compete with larger institutions while maintaining customer relationships.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Publicly available information, industry reports, and company filings (where available).
Disclaimers:
This analysis is based on limited information and general knowledge of the banking industry. Actual data may vary. Not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Generations Bancorp NY Inc
Exchange NASDAQ | Headquaters Seneca Falls, NY, United States | ||
IPO Launch date 2021-01-13 | President, CEO, CFO & Director Ms. Angela M. Krezmer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.mygenbank.com |
Full time employees - | Website https://www.mygenbank.com | ||
Generations Bancorp NY, Inc. operates as a holding company for Generations Bank that engages in the provision of various banking products and services. It accepts various deposit accounts, including demand, NOW, money market, savings, and certificates of deposit accounts. The company provides one- to four-family residential real estate loans, including home equity loans and lines of credit; consumer loans, such as student, automobile, recreational vehicle, manufactured home, and other consumer loans; and commercial real estate and multi-family, consumer business, residential and commercial construction loans. In addition, it invests in securities, including corporate and municipal bonds issued by states, local municipalities, and schools in the northeastern United States; and mortgage-backed securities issued by the U.S. government sponsored entities and Federal Home Loan Bank stock, as well as offers insurance and other financial products. It operates through primary office in Seneca Falls, New York; and eight full-service branch offices and one drive-through facility located in Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, New York. The company was founded in 1870 and is headquartered in Seneca Falls, New York.
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