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NASDAQ: GBNY
Generations Bancorp Ny Inc Stock

$10.51-0.09 (-0.85%)
Updated Mar 1, 2024
GBNY Price
$10.51
Fair Value Price
$4.95
Market Cap
$23.50M
52 Week Low
$8.04
52 Week High
$11.62
P/E
-25.02x
P/B
0.67x
P/S
1.71x
PEG
N/A
Dividend Yield
N/A
Revenue
$11.09M
Earnings
-$915.00k
Gross Margin
100%
Operating Margin
-10.49%
Profit Margin
-8.2%
Debt to Equity
10.69
Operating Cash Flow
$2M
Beta
-0.07
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

GBNY Overview

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.

Zen Score

Industry Average (34)
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Due Diligence Checks

GBNY ($10.51) is overvalued by 112.5% relative to our estimate of its Fair Value price of $4.95 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
GBNY ($10.51) is not significantly undervalued (112.5%) relative to our estimate of its Fair Value price of $4.95 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
GBNY is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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Valuation

GBNY fair value

Fair Value of GBNY stock based on Discounted Cash Flow (DCF)
Price
$10.51
Fair Value
$4.95
Overvalued by
112.50%
GBNY ($10.51) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
GBNY ($10.51) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
GBNY is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

GBNY price to earnings (PE)

For valuing profitable companies with steady earnings
Company
-25.02x
Industry
-9.95x
Market
36.17x

GBNY price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.67x
Industry
0.98x
GBNY is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

GBNY's financial health

Profit margin

Revenue
$2.3M
Net Income
-$643.0k
Profit Margin
-28.2%
GBNY's Earnings (EBIT) of -$1.16M... subscribe to Premium to read more.
Interest Coverage Financials
GBNY's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$408.7M
Liabilities
$373.8M
Debt to equity
10.69
GBNY's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
-$2.0M
Investing
-$14.3M
Financing
$16.6M
GBNY's operating cash flow ($2.20M)... subscribe to Premium to read more.
Debt Coverage Financials

GBNY vs Bank Stocks

TickerMarket Cap1d %P/EP/B
GBNY$23.50M-0.85%-25.02x0.67x
GLBZ$18.96M+6.29%9.03x1.44x
KFFB$31.72M-0.43%-78.46x0.65x
OPHC$31.90M0.00%5.79x0.48x
PNBK$15.03M-4.29%-4.51x0.38x

Generations Bancorp Ny Stock FAQ

What is Generations Bancorp Ny's quote symbol?

(NASDAQ: GBNY) Generations Bancorp Ny trades on the NASDAQ under the ticker symbol GBNY. Generations Bancorp Ny stock quotes can also be displayed as NASDAQ: GBNY.

If you're new to stock investing, here's how to buy Generations Bancorp Ny stock.

What is the 52 week high and low for Generations Bancorp Ny (NASDAQ: GBNY)?

(NASDAQ: GBNY) Generations Bancorp Ny's 52-week high was $11.62, and its 52-week low was $8.04. It is currently -9.54% from its 52-week high and 30.72% from its 52-week low.

How much is Generations Bancorp Ny stock worth today?

(NASDAQ: GBNY) Generations Bancorp Ny currently has 2,235,889 outstanding shares. With Generations Bancorp Ny stock trading at $10.51 per share, the total value of Generations Bancorp Ny stock (market capitalization) is $23.50M.

Generations Bancorp Ny stock was originally listed at a price of $10.05 in Jan 13, 2021. If you had invested in Generations Bancorp Ny stock at $10.05, your return over the last 3 years would have been 4.58%, for an annualized return of 1.5% (not including any dividends or dividend reinvestments).

How much is Generations Bancorp Ny's stock price per share?

(NASDAQ: GBNY) Generations Bancorp Ny stock price per share is $10.51 today (as of Mar 1, 2024).

What is Generations Bancorp Ny's Market Cap?

(NASDAQ: GBNY) Generations Bancorp Ny's market cap is $23.50M, as of Mar 3, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Generations Bancorp Ny's market cap is calculated by multiplying GBNY's current stock price of $10.51 by GBNY's total outstanding shares of 2,235,889.
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