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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 Framework: Banks & Lenders Micro Cap
Generations Bancorp NY, Inc. (GBNY), is a Micro Cap company, in the Banks - Regional industry, last closed at $15.08, about 3.7% undervalued vs fair value, -8.3% 1Y return, ranked 510/1037 in sector.
USD 15.08
0.00%
(Delayed)
• Vol 90d: 28.8%
52-Week Range
Market Cap
$34.35M
Enterprise Value
$37.29M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 76%
Confidence: 80%
Updated: Mar 8
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: $15.08 +4% 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.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
20
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
17
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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 90% Coverage
Trade-Off Triangle Visualization A ternary plot showing GBNY's balance between Growth (8.1%), Profitability (43.4%), and Safety (48.5%). Growth 8% Safety 49% Profitability 43%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

6th percentile vs peers
6
Key Signals
Equity Growth YoY 1.0% 16p NII Growth YoY -23.1% 4p Asset Growth YoY -8.8% 2p EPS Growth YoY -2.52 3p
Strengths
  • Efficiency Ratio in top 20% of peers (1.11, 95th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 6)
  • Equity Growth YoY in bottom 20% of peers (1.0%)
  • NII Growth YoY in bottom 20% of peers (-23.1%)
  • Asset Growth YoY in bottom 20% of peers (-8.8%)
  • EPS Growth YoY in bottom 20% of peers (-2.52)

Profitability

32th percentile vs peers
33
Key Signals
Strengths
Risks
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Safety

36th percentile vs peers
37
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$15.64
- - -
+3.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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