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GBNY 
Generations Bancorp NY Inc (GBNY)
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Upturn Advisory Summary
01/09/2026: GBNY (3-star) is a REGULAR-BUY. BUY since 14 days. Simulated Profits (-0.67%). Updated daily EoD!
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 67.19% | Avg. Invested days 80 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/09/2026 |
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. (GBCI) is a bank holding company headquartered in Seneca Falls, New York. It was established to serve as the parent company for Generations Bank, a community-focused bank with a history dating back to 1921. The company has grown through organic expansion and a commitment to its local communities, expanding its branch network and service offerings over the decades.
Core Business Areas
- Community Banking: Generations Bank offers a comprehensive range of banking products and services to individuals, families, and businesses. This includes deposit accounts (checking, savings, money market, CDs), loans (mortgages, home equity, personal, commercial, small business), and credit cards.
- Wealth Management and Financial Services: The company provides wealth management services through its subsidiary, Generations Financial Services. This includes investment advisory, retirement planning, estate planning, and insurance products.
Leadership and Structure
Generations Bancorp NY Inc. operates as a holding company with Generations Bank as its primary subsidiary. The leadership team includes a Board of Directors and executive officers overseeing strategy, operations, and financial performance. Specific details on individuals would require accessing their latest SEC filings.
Top Products and Market Share
Key Offerings
- Community Banking Services: Offers a full suite of deposit and lending products tailored for individuals and small to medium-sized businesses in its service area. Market share data specific to individual products is not publicly disclosed, but its success is tied to its strong local presence and customer relationships. Competitors include other regional and national banks operating in Upstate New York.
- Mortgage Lending: A significant offering for both residential and commercial properties, contributing to loan portfolio growth. Specific market share is not readily available, but it competes with national mortgage lenders and other local financial institutions.
- Wealth Management: Provides personalized financial planning and investment services to help clients achieve their financial goals. This segment competes with independent financial advisors, larger wealth management firms, and other banks' investment divisions.
Market Dynamics
Industry Overview
The US banking industry is characterized by intense competition, evolving regulatory landscapes, and a growing demand for digital banking solutions. Community banks like Generations Bancorp NY Inc. often focus on personalized service and deep local ties to differentiate themselves from larger institutions. Interest rate movements significantly impact profitability.
Positioning
Generations Bancorp NY Inc. positions itself as a community-focused financial institution, emphasizing personalized service, local decision-making, and commitment to the economic well-being of its operating regions. Its competitive advantage lies in its strong customer relationships, deep understanding of local markets, and agility compared to larger banks.
Total Addressable Market (TAM)
The TAM for community banking in its operating regions is substantial, encompassing individuals and businesses requiring deposit, lending, and financial advisory services. Generations Bancorp NY Inc. is a significant player in its specific geographic markets but represents a small fraction of the broader national banking TAM.
Upturn SWOT Analysis
Strengths
- Strong community ties and brand loyalty
- Personalized customer service
- Experienced management team
- Stable deposit base
Weaknesses
- Limited geographic diversification
- Potential challenges in competing with larger banks on technology investment
- Reliance on traditional banking products
Opportunities
- Expansion into new, underserved geographic areas within New York
- Leveraging technology to enhance digital banking offerings
- Growing demand for specialized lending products
- Acquisition of smaller community banks
Threats
- Increasing competition from FinTech companies and larger banks
- Rising interest rate environment impacting loan demand and funding costs
- Economic downturns affecting loan performance and demand
- Stringent regulatory compliance
Competitors and Market Share
Key Competitors
- Community Bank System, Inc. (CBS)
- KeyCorp (KEY)
- HSBC Holdings plc (HSBC)
Competitive Landscape
Generations Bancorp NY Inc. competes by leveraging its strong local relationships and personalized service. Its disadvantages may include a smaller scale for technology investment and broader product breadth compared to larger national competitors. Its advantages lie in its agility and deep understanding of its specific market niches.
Growth Trajectory and Initiatives
Historical Growth: Generations Bancorp NY Inc. has exhibited steady growth in its asset base, loan portfolio, and deposit levels, largely driven by its expansion within its established service areas and a focus on customer acquisition.
Future Projections: Future growth projections would depend on broader economic conditions, interest rate trends, competitive pressures, and the company's strategic initiatives. Analyst reports, if available, would offer insights into expected future performance.
Recent Initiatives: Recent initiatives likely include enhancing digital banking capabilities, expanding product offerings, and potentially exploring strategic partnerships or acquisitions to broaden its reach and service offerings.
Summary
Generations Bancorp NY Inc. is a solid community bank with deep local roots and a focus on personalized service. Its strengths lie in its loyal customer base and experienced management, but it faces challenges from larger competitors and evolving digital demands. Capitalizing on digital transformation and strategic geographic expansion will be key to its continued success and mitigating threats.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Generations Bancorp NY Inc. Investor Relations
- U.S. Securities and Exchange Commission (SEC) filings
Disclaimers:
This analysis is based on publicly available information and may not be exhaustive. Financial data and market share estimates are subject to change and interpretation. This JSON output is for informational purposes only and should not be considered 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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