Generations Bancorp NY, Inc.
The Company s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. Generations Bancorp NY, Inc. ( Generations Bancorp ) is a Maryland corporation that was organized in August 2020 to become the holding company of Generations Bank (sometimes, the Bank ) as part of the Seneca-Cayuga Bancorp, Inc. ( Seneca-Cayuga ) conversion from the mutual holding …
$16.23
+$0.02 (+0.12%)
Price from 38 days ago
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue declined 32.2% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Net income declined 244% YoY, profitability momentum has weakened.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$173K
▼ -32.2% YoY
Net Income (TTM)
-$3M
▼ -244.2% YoY
Net Margin
-1523.12%
P/E
—
Balance Sheet
Total Assets
$402M
Equity
$36M
Total Debt
$0.00
Cash & Equiv.
$10M
3Y CAGR: -19.8%
Continue Research
SourceComputed from the 10-Q filed 8 Aug 2024, covering the period ending 30 Jun 2024, as reported to the SEC. Data last refreshed 11 Jun 2026. How this is calculated.
Price from market data, last close as of 14 Sept 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
Is Generations Bancorp NY (GBNY) overvalued?
Generations Bancorp NY (GBNY)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Generations Bancorp NY scores 47/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
Is Generations Bancorp NY a high-quality business?+
Generations Bancorp NY scores 47 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Is Generations Bancorp NY a good stock to buy right now?+
That depends on valuation and quality together, not either alone. you should weigh GBNY's valuation and scores 47/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.
Related stocks: Savings Institution, Federally Chartered
Spot a number that looks wrong? Check it in GBNY's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Keep analysing GBNY
Create a free account and get 14 days of Premium: every stock and every tool.
- Unlimited stocks
- Stock screener
- Portfolio tracker
- Editable DCF
- Compare side by side
- Unlimited alerts
No card. Moves to Free after, unless you upgrade.
Already have an account?
Or come back tomorrow. Stocks on your watchlist are always free to view.