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Upturn AI SWOT - About
GBNY 
Generations Bancorp NY Inc (GBNY)
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Upturn Advisory Summary
08/14/2025: 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
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 41.3% | Avg. Invested days 65 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
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 bank rooted in the Finger Lakes region of New York. Originally founded as a savings bank, it has evolved to offer a range of banking and financial services. While exact founding year and early milestones need further, updated research, the bank has consistently focused on serving local communities through traditional banking products.
Core Business Areas
- Retail Banking: Provides checking and savings accounts, loans, mortgages, and other financial services to individuals and households.
- Commercial Banking: Offers loans, lines of credit, and other financial services to small and medium-sized businesses.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The bank is led by a board of directors and a senior management team. Information about leadership team not readily available, would need additional research, but the structure is typical of a community bank with branches overseen by regional managers.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages are a key offering. Market share in the Finger Lakes region needs further, updated research to provide a valid percentage. Competitors include larger regional banks and national mortgage lenders.
- Small Business Loans: Generations Bancorp provides lending to small businesses. Market share in the Finger Lakes region needs further, updated research to provide a valid percentage. Competitors include other community banks and credit unions.
- Checking and Savings Accounts: Traditional banking products such as personal and business checking and saving accounts. Market share in the Finger Lakes region needs further, updated research to provide a valid percentage. Competitors are regional and national banks with a strong presence.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with community banks facing pressure from larger institutions and fintech companies. Regulatory changes and interest rate fluctuations also impact profitability.
Positioning
Generations Bancorp positions itself as a community-focused bank with a strong commitment to customer service. This provides a competitive advantage in attracting local customers who value personalized attention.
Total Addressable Market (TAM)
The TAM consists of the total banking revenue in the Finger Lakes region of New York. Generations Bancorp's position depends on its ability to attract customers and businesses in the community. This is influenced by competitive interest rates, customer service, and branch locations.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Personalized customer service
- Local market knowledge
- Established branch network
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger banks
- Potential lack of investment in innovation
- Dependence on local economy
Opportunities
- Expansion into new markets within the Finger Lakes region
- Increased digital banking offerings
- Partnerships with local businesses
- Attracting customers from larger banks
Threats
- Competition from larger banks and credit unions
- Economic downturn in the Finger Lakes region
- Increasing regulatory burden
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- CNB (CCNE)
- Five Star Bank (FSBC)
- M&T Bank (MTB)
Competitive Landscape
Generations Bancorp faces competition from larger regional banks that have greater resources and brand recognition. Its advantage lies in its local focus and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Assuming slow, steady growth, limited to geographic areas and local economics.
Future Projections: Future growth depends on the health of the Finger Lakes economy, successful expansion efforts, and the bank's ability to attract and retain customers.
Recent Initiatives: Recent Initiatives unknown and would need additional, updated research to determine recent initiatives and/or strategic changes made.
Summary
Generations Bancorp NY Inc. is a community bank with a strong local presence. Its strengths are its community ties and personalized service. It needs to adapt to technological advancements and faces competition from larger banks. Growth is dependent on the Finger Lakes regional economy.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website (limited)
- Industry Reports
- Financial Data Providers (estimates due to limited public data)
Disclaimers:
Financial data and market share information are estimates due to the lack of publicly available data for Generations Bancorp NY Inc. Analysis is based on general industry knowledge and assumptions. The AI rating is for illustrative 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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