GBNY - Generations Bancorp NY, Inc. Stock Price, Fair Value and News

10.10USD0.00 (0.00%)Market Closed

Market Summary

USD10.100.00

Market Closed

0.00%

GBNY Stock Price

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GBNY RSI Chart

GBNY Valuation

Market Cap

22.6M

Price/Earnings (Trailing)

-11.55

Price/Sales (Trailing)

1.33

EV/EBITDA

2.56

Price/Free Cashflow

20.75

GBNY Price/Sales (Trailing)

GBNY Profitability

EBT Margin

-14.77%

Return on Equity

-5.31%

Return on Assets

-0.48%

Free Cashflow Yield

4.82%

GBNY Fundamentals

GBNY Revenue

Revenue (TTM)

17.0M

Rev. Growth (Yr)

18.64%

Rev. Growth (Qtr)

-1.1%

GBNY Earnings

Earnings (TTM)

-2.0M

Earnings Growth (Yr)

-258.55%

Earnings Growth (Qtr)

10.07%

Breaking Down GBNY Revenue

Last 7 days

-7.9%

Last 30 days

1.4%

Last 90 days

-5.6%

Trailing 12 Months

21.0%

How does GBNY drawdown profile look like?

GBNY Financial Health

GBNY Investor Care

Buy Backs (1Y)

4.24%

Diluted EPS (TTM)

-0.91

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	17.0M	0	0	0
2023	13.8M	14.5M	15.4M	16.3M
2022	13.5M	13.3M	13.1M	13.3M
2021	13.4M	13.4M	13.6M	13.6M
2020	12.9M	13.1M	13.3M	13.4M
2019	0	0	0	12.8M

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Tracking the Latest Insider Buys and Sells of Generations Bancorp NY, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Aug 22, 2023	pender alicia h	acquired	9,534	9.5342	1,000	-
Jun 13, 2023	dyson derek m	bought	2,601	9.0347	288	svp, chief information officer
Jun 13, 2023	aikman cynthia s	bought	4,427	9.0347	490	-
Jun 13, 2023	case menzo d	bought	29,552	9.0347	3,271	president and ceo
Jun 13, 2023	nicchi frank	bought	3,279	9.0347	363	-
Jun 13, 2023	jones bradford m	bought	3,695	9.0347	409	-
Aug 10, 2022	krezmer angela m	bought	1,150	11.5	100	svp and cfo
Jun 14, 2022	case menzo d	acquired	-	-	14,775	president and ceo
Jun 14, 2022	krezmer angela m	acquired	-	-	11,821	svp and cfo
May 23, 2022	case menzo d	bought	28,968	11.6809	2,480	president and ceo

Which funds bought or sold GBNY recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 10, 2024	VANGUARD GROUP INC	reduced	-1.14	-15,231	618,418	-%
May 10, 2024	WELLS FARGO & COMPANY/MN	added	6.67	8.00	160	-%
May 08, 2024	Stilwell Value LLC	unchanged	-	-28,971	2,230,720	1.16%
May 07, 2024	SUSQUEHANNA INTERNATIONAL GROUP, LLP	sold off	-100	-131,995	-	-%
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 18, 2024	Capital Advisors, Ltd. LLC	new	-	-	-	-%
Apr 15, 2024	Prentice Wealth Management LLC	added	85.78	342,463	753,082	0.26%
Apr 09, 2024	Rise Advisors, LLC	unchanged	-	-1,048	80,711	0.04%
Feb 14, 2024	ALLIANCEBERNSTEIN L.P.	reduced	-1.56	335,940	2,203,090	-%
Feb 14, 2024	Royal Bank of Canada	new	-	1,000	1,000	-%

Are Funds Buying or Selling GBNY?

Are funds buying GBNY calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own GBNY

No. of Funds

Unveiling Generations Bancorp NY, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Apr 29, 2024	case susan irene	6.14%	139,938	SC 13G
Feb 14, 2024	alliancebernstein l.p.	9.7%	217,267	SC 13G/A
Feb 14, 2024	m3 partners lp	0%	10	SC 13G/A
Feb 12, 2024	principal financial group inc	10.40%	232,531	SC 13G/A
Feb 14, 2023	alliancebernstein l.p.	9.9%	234,038	SC 13G/A
Feb 10, 2023	m3 partners lp	5.58%	131,907	SC 13G/A
Feb 06, 2023	principal financial group inc	9.81%	230,401	SC 13G/A
Feb 14, 2022	alliancebernstein l.p.	8.0%	196,665	SC 13G
Feb 14, 2022	m3 partners lp	9.77%	240,268	SC 13G/A

Recent SEC filings of Generations Bancorp NY, Inc.

View All Filings

Date Filed	Form Type	Document
May 13, 2024	10-Q	Quarterly Report
Apr 29, 2024	SC 13G	Major Ownership Report
Apr 12, 2024	DEF 14A	DEF 14A
Apr 01, 2024	10-K	Annual Report
Mar 27, 2024	4	Insider Trading
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 12, 2024	SC 13G/A	Major Ownership Report

Peers (Alternatives to Generations Bancorp NY, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	570.5B	174.7B	8.69%	48.16%	11.33	3.27	53.11%	19.83%
BAC	299.1B	137.9B	6.85%	41.16%	11.95	2.17	56.12%	-12.56%
WFC	213.6B	85.8B	8.52%	63.46%	11.38	2.49	35.02%	26.14%
C	120.9B	125.0B	6.23%	39.49%	15.13	0.97	37.85%	-
CFG	16.4B	10.4B	8.48%	44.96%	11.43	1.57	26.22%	-33.87%
KEY	14.0B	8.1B	1.78%	65.41%	16.04	1.72	32.15%	-50.93%
MID-CAP
CMA	7.1B	4.2B	3.79%	66.34%	10.15	1.66	34.68%	-45.96%
ZION	6.5B	4.1B	8.06%	95.94%	10.32	1.59	32.93%	-30.73%
ABCB	3.4B	1.3B	9.68%	70.56%	12.1	2.6	30.60%	-12.99%
ASB	3.3B	2.0B	8.96%	50.51%	20.76	1.64	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	406.0M	152.4M	2.65%	46.43%	40.84	2.66	16.94%	-73.84%
AROW	395.4M	173.1M	7.98%	20.88%	13.55	2.28	26.54%	-34.86%
ACNB	294.5M	98.7M	5.64%	21.02%	10.01	2.98	6.27%	-22.90%
ASRV	46.0M	62.5M	12.13%	-6.62%	-15.54	0.74	18.83%	-145.18%

Generations Bancorp NY, Inc. News

Latest updates

Generations Bancorp NY, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																			(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3
Revenue	-1.1%	4,475	4,525	4,164	3,856	3,772	3,572	3,314	3,169	3,249	3,389	3,531	3,362	3,321	3,359	3,392	3,373	3,292	3,213	3,133
EBITDA Margin	-18.4%	0.38*	0.47*	0.61*	0.78*	0.91*	1.02*	1.10*	1.09*	1.09*	1.08*	1.05*	1.06*	1.06*	0.98*	-	-	-	-	-
Interest Expenses	-2.0%	1,896	1,935	2,042	2,239	2,524	2,722	2,931	2,822	2,895	3,012	3,135	2,929	2,843	2,742	2,665	2,617	2,467	-	2,360
Income Taxes	-0.6%	-169	-168	-171	-46.00	-40.00	8.00	66.00	67.00	75.00	92.00	33.00	79.00	79.00	97.00	23.00	52.00	-276	-	-10.00
Earnings Before Taxes	7.8%	-714	-774	-814	-212	-192	54.00	366	412	471	610	206	448	432	506	663	733	-266	-	173
EBT Margin	-21.0%	-0.15*	-0.12*	-0.08*	0.00*	0.05*	0.10*	0.14*	0.13*	0.13*	0.12*	0.12*	0.15*	0.17*	0.12*	-	-	-	-	-
Net Income	10.1%	-545	-606	-643	-166	-152	46.00	300	345	396	518	173	369	353	409	640	681	10.00	-	173
Net Income Margin	-19.9%	-0.12*	-0.10*	-0.06*	0.00*	0.04*	0.08*	0.12*	0.11*	0.11*	0.10*	0.10*	0.13*	0.15*	0.13*	-	-	-	-	-
Free Cashflow	-191.2%	-1,103	1,210	-2,026	3,010	-524	1,292	1,326	1,939	-668	1,921	-889	2,127	-182	969	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																	(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2019Q4	2019Q3
Assets	-3.2%	411	424	409	395	389	386	374	370	377	379	377	380	382	374	368	348	366
Cash Equivalents	-59.7%	6.00	15.00	6.00	5.00	6.00	8.00	7.00	13.00	24.00	21.00	12.00	15.00	25.00	27.00	12.00	13.00	8.00
Net PPE	-1.4%	14.00	14.00	14.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	16.00	16.00	17.00	17.00	17.00	18.00	-
Goodwill	-	-	-	-	-	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	-
Liabilities	-3.3%	374	387	374	358	352	349	336	331	335	335	335	338	340	344	338	319	-
Short Term Borrowings	-	3.00	-	-	9.00	2.00	16.00	14.00	-	-	-	-	-	-	-	-	-	-
Shareholder's Equity	-2.1%	37.00	38.00	35.00	37.00	38.00	37.00	38.00	39.00	42.00	43.00	42.00	43.00	42.00	30.00	30.00	28.00	28.00
Retained Earnings	-2.6%	20.00	21.00	22.00	22.00	22.00	23.00	22.00	22.00	22.00	22.00	21.00	21.00	21.00	20.00	20.00	19.00	-
Additional Paid-In Capital	0.2%	22.00	22.00	22.00	23.00	23.00	23.00	23.00	24.00	24.00	24.00	24.00	24.00	24.00	12.00	12.00	12.00	-
Shares Outstanding	0.3%	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	-	-	-
Float	-	-	-	-	17.00	-	-	-	24.00	-	-	-	22.00	-	26.00	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																			(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3
Cashflow From Operations	-179.1%	-1,097	1,386	-2,003	3,031	-377	1,534	1,343	2,069	-596	1,971	-723	2,180	-26.00	1,022	-810	675	111	-	-
Share Based Compensation	-84.4%	40.00	256	54.00	54.00	53.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cashflow From Investing	199.4%	4,365	-4,390	-14,319	-8,422	-4,623	-12,502	-12,824	-6,690	2,186	8,425	-1,188	-8,194	-11,698	9,880	2,847	-18,806	-4,321	-	-
Cashflow From Financing	-199.3%	-11,935	12,015	16,567	4,619	3,037	11,574	5,924	-6,091	1,080	-1,584	-1,173	-3,689	9,866	3,680	-3,320	21,165	1,259	-	-
Buy Backs	-100.0%	-	2.00	645	346	81.00	234	698	940	-	-	-1,228	-	614	-1.00	-	-	42.00	-	2.00

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GBNY Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Interest and dividend income:
Loans, including fees	$ 14,464	$ 12,023
Debt and equity securities:
Taxable	1,040	722
Tax-exempt	407	414
Interest-earning deposits	274	84
Other	132	61
Total interest income	16,317	13,304
Interest expense:
Deposits	6,794	1,474
Short-term borrowings	355	216
Long-term borrowings	428	244
Total interest expense	7,577	1,934
Net interest income	8,740	11,370
Provision for loan losses	927	631
Provision for unfunded commitments	6
Provision for available-for-sale securities
Provision for Loan, Lease, and Other Losses, Total	933	631
Net interest income after provision for credit losses	7,807	10,739
Noninterest income:
Banking fees and service charges	1,426	1,588
Mortgage banking income, net	22	44
Insurance commissions	156	451
Earnings (loss) on bank-owned life insurance	62	(28)
Death benefit proceeds from surrender of bank-owned life insurance	733
Change in fair value on equity securities	51	(45)
Net gain on sale of Generations Agency	312
Other charges, commissions & fees	219	107
Total noninterest income	2,981	2,117
Noninterest expense:
Compensation and benefits	6,081	4,891
Occupancy and equipment	2,012	2,005
Service charges	1,958	2,100
Regulatory assessments	362	208
Professional and other services	740	743
Advertising	204	428
Other expenses	1,423	1,178
Total noninterest expenses	12,780	11,553
(Loss) Income before income tax (benefit) expense	(1,992)	1,303
Income tax (benefit) expense	(425)	216
Net (loss) income	(1,567)	1,087
Net (loss) income available to common shareholders	$ (1,567)	$ 1,087
Basic (losses) earnings per common share	$ (0.72)	$ 0.47
Diluted (losses) earnings per common share	$ (0.72)	$ 0.47

About Generations Bancorp NY, Inc.

Generations Bancorp NY, Inc. operates as a holding company for Generations Bank that provides various banking products and services. The company accepts various deposit accounts, including demand, NOW, money market, savings, and certificates of deposit accounts. It also provides one- to four-family residential real estate, commercial real estate and multi-family, consumer business, manufactured home, automobile, student, recreational vehicle, construction, and other consumer loans, as well as home equity loans and lines of credit. 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.

CEO	Mr. Menzo D. Case
WEBSITE	mygenbank.com
INDUSTRY	Banks Diversified
EMPLOYEES	79

Generations Bancorp NY, Inc. Frequently Asked Questions

What is the ticker symbol for Generations Bancorp NY, Inc.? What does GBNY stand for in stocks?

GBNY is the stock ticker symbol of Generations Bancorp NY, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Generations Bancorp NY, Inc. (GBNY)?

As of Fri May 10 2024, market cap of Generations Bancorp NY, Inc. is 22.64 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of GBNY stock?

You can check GBNY's fair value in chart for subscribers.

What is the fair value of GBNY stock?

You can check GBNY's fair value in chart for subscribers. The fair value of Generations Bancorp NY, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Generations Bancorp NY, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for GBNY so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Generations Bancorp NY, Inc. a good stock to buy?

The fair value guage provides a quick view whether GBNY is over valued or under valued. Whether Generations Bancorp NY, Inc. is cheap or expensive depends on the assumptions which impact Generations Bancorp NY, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for GBNY.

What is Generations Bancorp NY, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 10 2024, GBNY's PE ratio (Price to Earnings) is -14.45 and Price to Sales (PS) ratio is 1.39. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. GBNY PE ratio will change depending on the future growth rate expectations of investors.