Generations Bancorp NY Inc(GBNY)
USD --+0.00%
Reward43Moderate
Risk59Medium-High
📊75%Data
Thin -62% profit margin · Revenue down 34% YoY
GBNY
+0.0 · +0.00%
USD · NASDAQ
Generations Bancorp NY Inc | Financial Services
Earnings Deterioration
Market Cap:33.57M
ℹ️
Reward Rating
43
Moderate
Bottom 25% (model universe)
75% data coverage
ℹ️
Risk Rating
59
Medium-High
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on GBNY to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
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Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Generations Bancorp NY Inc?

operates as a holding company for Generations Bank that engages in the provision of various banking products and services.

GBNY · Verdict

Moderate reward · elevated risk

GBNY's standout is volatility; profitability and cash flow weigh on the picture.

Based on 88% data coverage

GBNY · Verdict

What’s working & what to watch

Strengths 1

  • Volatility95/100

    Top decile vs peers

Watchouts 3

  • Profitability8/100

    -25% net margin · -13% ROE

  • Cash flow9/100

    -6% free-cash-flow margin

  • Balance sheet36/100

    Current ratio 0.06

Model-based scoring. For information only — not financial advice.

What is 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 is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 33.57M.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Thin or inconsistent margins weigh on earnings quality.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Valuation is less clear with a negative earnings base.

OpenBook Logo Analysis

Reward: Moderate (43)

The scoring profile indicates limited reward potential at this time, with valuation and growth offering the most support. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap33.57M
P/E RatioN/A
Dividend YieldN/A
52 Week High17.95
52 Week Low14.72
Last AnnualDecember
IPO Date1/13/2021
IncorporatedUSA
Shares Outstanding2M
No. of EmployeesN/A
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.207
CurrencyUSD