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Upturn AI SWOT - About
GBNY 
Generations Bancorp NY Inc (GBNY)
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Upturn Advisory Summary
07/01/2025: GBNY (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 39.6% | Avg. Invested days 57 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/01/2025 |
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 - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Generations Bancorp NY Inc
Company Overview
History and Background
Generations Bancorp NY Inc. is a community-focused financial institution offering a range of banking services. While precise founding year and historical milestones are not publicly available, the bank operates with a commitment to serving the local community.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, personal loans, mortgages, and other consumer banking services to individuals and families.
- Commercial Banking: Provides business loans, commercial real estate financing, and other financial solutions to local businesses and organizations.
- Wealth Management: Offers investment advisory services, retirement planning, and trust services to individuals and businesses.
Leadership and Structure
Information on the specific leadership team and detailed organizational structure is not publicly available.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages form a key part of their lending portfolio. Market share data is not publicly accessible, but regional and national banks compete for these customers. Competitors include larger national banks and mortgage companies.
- Business Loans: Loans to small and medium-sized businesses are a key revenue driver. Specific market share data is not published. Key competitors are other regional banks and credit unions.
- Checking Accounts: Various checking account options. Unable to find public market share data. Competitors include other banks and online financial institutions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, rising interest rates, and evolving customer expectations. Community banks face competition from larger national banks, online lenders, and fintech companies.
Positioning
Generations Bancorp NY Inc positions itself as a local community bank focusing on personalized service and local relationships. Its competitive advantage lies in its deep understanding of the local market and its ability to provide tailored financial solutions.
Total Addressable Market (TAM)
TAM for community banking in NY is estimated to be in the billions, encompassing all banking needs of individuals and businesses within its service area. Generations Bancorp NY Inc's TAM is based on its service region. Without specific data, the position can not be accurately described.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Community focus
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Limited brand recognition
Opportunities
- Expanding into new markets within the region
- Developing new digital banking services
- Acquiring smaller community banks
- Leveraging technology to improve efficiency
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in the region
- Regulatory changes
Competitors and Market Share
Key Competitors
- CNB (CCBG)
- Community Bank System (CBU)
- Five Star Bancorp (FSBC)
Competitive Landscape
Generations Bancorp NY Inc competes with larger regional banks and smaller community banks for customers. It relies on customer relationships to compete for market share.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is unavailable without access to financial records.
Future Projections: Future growth projections cannot be generated due to lack of financial data.
Recent Initiatives: Specific strategic initiatives undertaken by Generations Bancorp NY Inc are not publicly disclosed.
Summary
Generations Bancorp NY Inc. operates as a community bank focused on local relationships and service. Limited market data availability affects the ability to give a definitive analysis. They face strong competition and need to adapt to industry changes. Improving access to information regarding financials and strategic initiatives is needed. They need to focus on how to grow and what initiatives to use.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information, including company websites and industry reports.
Disclaimers:
The data provided is based on publicly available information and may not be entirely comprehensive. Market share data is estimated and may not reflect actual figures.
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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