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Company Analysis

Generations Bancorp NY, Inc. GBNY

A comprehensive view of key metrics, scores, and financial health for Generations Bancorp NY, Inc.

Overview of Generations Bancorp NY, Inc.

GBNY OQX
Financial Services Banks - Regional Micro Cap
Generations Bancorp NY, Inc. (GBNY), is a Micro Cap company, in the Banks - Regional industry, last closed at $14.70, about 6.4% undervalued vs fair value, -4.9% 1Y return, ranked 507/1004 in sector.
$14.70
-0.07%
As of March 13, 2026
Previous close • Vol 90d: 29.9%
52-Week Range
Market Cap
$33.03M
Enterprise Value
$35.97M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.mygenbank.com
HQ Seneca Falls, NY
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$9
$16
$29
Current: $14.70 +6% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$16.3M
22.6%%
Interest Expense
$7.6M
Net Interest Income
$8.7M
-23.1%%
Total Revenue
$18.8M
98.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-4.2%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Generations Bancorp NY, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
17
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
13
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing GBNY's balance between Growth (81.3%), Profitability (8.5%), and Safety (10.3%). Growth 81% Safety 10% Profitability 8%

Click axes to expand details. Marker shows current allocation.

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Growth

42th percentile vs peers
42
Key Signals
Rev Growth YoY 98.6% 81p Revenue CAGR 3Y 14.2% 34p Asset Growth YoY -8.8% 2p
Strengths
  • Rev Growth Yoy in top 20% of peers (98.6%, 81th percentile)
Risks
  • Asset Growth Yoy in bottom 20% of peers (-8.8%)

Profitability

4th percentile vs peers
4
Key Signals
Strengths
Risks
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Safety

5th percentile vs peers
5
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Generations Bancorp NY, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$15.64
- - -
+6.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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