GBNY
Generations Bancorp NY, Inc.
Price Chart
Latest Quote
$15.08
+0.00 (+0.00%)
Current Price
| Previous Close | $15.08 |
| Open | $15.06 |
| Day High | $15.06 |
| Day Low | $15.06 |
| Volume | 4,900 |
Stock Information
| Shares Outstanding | 2.28M |
| Total Debt | $19.90M |
| Cash Equivalents | $13.61M |
| Revenue | $7.65M |
| Net Income | $-4.78M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $34.35M |
| EPS (TTM) | $-2.06 |
| Exchange | PNK |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $40.65M |
| Sales | $7.65M |
| Income | $-4.78M |
| Book/sh | $15.53 |
| Cash/sh | $5.97 |
Financial Ratios
Returns & Margins
| ROA | -1.18% |
| ROE | -13.06% |
| Operating Margin | -81.10% |
| Profit Margin | -62.43% |
Ownership
| Insider Ownership | 8.33% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 4.49 |
| P/B | 0.97 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $15.05 |
| SMA50 | $14.95 |
| SMA200 | $16.27 |
| RSI | 62.50 |
| ATR | 0.0114 |
| Shares Float | 2.08M |
| Short Float | 0.83% |
| Short Ratio | 0.53 |
| Volatility | 0.20 |
Performance History
| Week | +0.00% |
| Month | +0.90% |
| Quarter | +0.87% |
| 6 Months | -15.28% |
| YTD | -15.99% |
| Year | -7.54% |
| 3 Years | +68.87% |
| 5 Years | +50.97% |
| 10 Years | +49.45% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $15.08 | 0 |
| 2026-06-18 | $15.08 | 300 |
| 2026-06-17 | $15.06 | 0 |
| 2026-06-16 | $15.06 | 5,000 |
| 2026-06-15 | $15.08 | 0 |
| 2026-06-12 | $15.08 | 0 |
| 2026-06-11 | $15.08 | 0 |
| 2026-06-10 | $15.08 | 0 |
| 2026-06-09 | $15.08 | 7,600 |
| 2026-06-08 | $15.07 | 5,800 |
| 2026-06-05 | $15.02 | 3,500 |
| 2026-06-04 | $15.06 | 5,700 |
| 2026-06-03 | $15.06 | 1,000 |
| 2026-06-02 | $15.05 | 5,900 |
| 2026-06-01 | $15.04 | 0 |
| 2026-05-29 | $15.04 | 5,100 |
| 2026-05-28 | $15.04 | 0 |
| 2026-05-27 | $15.04 | 2,300 |
| 2026-05-26 | $15.03 | 1,300 |
About Generations Bancorp NY, Inc.
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 provides one- to four-family residential real estate loans, including home equity loans and lines of credit; consumer loans, such as student, automobile, recreational vehicle, manufactured home, and other consumer loans; and commercial real estate and multi-family, consumer business, residential and commercial construction loans. 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.
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Income Statement (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Revenue | |||
| Total Revenue | $9,451,000 | $11,387,000 | $12,610,000 |
| Operating Revenue | $9,451,000 | $11,387,000 | $12,610,000 |
| Expenses | |||
| Interest Expense | $7,577,000 | $1,934,000 | $1,684,000 |
| Selling And Marketing Expense | $204,000 | $428,000 | $433,000 |
| General And Administrative Expense | $6,081,000 | $4,891,000 | $5,299,000 |
| Professional Expense And Contract Services Expense | $740,000 | $743,000 | $643,000 |
| Other Non Interest Expense | $1,785,000 | $1,386,000 | $1,612,000 |
| Income & Earnings | |||
| Net Income From Continuing Operation Net Minority Interest | $-1,567,000 | $1,087,000 | $1,413,000 |
| Net Interest Income | $8,740,000 | $11,370,000 | $11,919,000 |
| Interest Income | $16,317,000 | $13,304,000 | $13,603,000 |
| Normalized Income | $-1,812,544 | $1,087,000 | $1,662,900 |
| Net Income From Continuing And Discontinued Operation | $-1,567,000 | $1,087,000 | $1,413,000 |
| Net Income Common Stockholders | $-1,567,000 | $1,087,000 | $1,413,000 |
| Net Income | $-1,567,000 | $1,087,000 | $1,413,000 |
| Net Income Including Noncontrolling Interests | $-1,567,000 | $1,087,000 | $1,413,000 |
| Net Income Continuous Operations | $-1,567,000 | $1,087,000 | $1,413,000 |
| Pretax Income | $-1,992,000 | $1,303,000 | $1,696,000 |
| Special Income Charges | $312,000 | $0 | $-300,000 |
| Per Share | |||
| Diluted EPS | $-0.72 | $0.47 | $0.60 |
| Basic EPS | $-0.72 | $0.47 | $0.60 |
| Other | |||
| Tax Effect Of Unusual Items | $66,456 | $0 | $-50,100 |
| Tax Rate For Calcs | $0 | $0 | $0 |
| Total Unusual Items | $312,000 | $0 | $-300,000 |
| Total Unusual Items Excluding Goodwill | $312,000 | $0 | $-300,000 |
| Reconciled Depreciation | $1,018,000 | $1,008,000 | $1,092,000 |
| Diluted Average Shares | $2,191,000 | $2,310,000 | $2,352,000 |
| Basic Average Shares | $2,191,000 | $2,310,000 | $2,352,000 |
| Diluted NI Availto Com Stockholders | $-1,567,000 | $1,087,000 | $1,413,000 |
| Tax Provision | $-425,000 | $216,000 | $283,000 |
| Gain On Sale Of Business | $312,000 | $0 | - |
| Gain On Sale Of Security | $51,000 | $-45,000 | $37,000 |
| Selling General And Administration | $6,285,000 | $5,319,000 | $5,732,000 |
| Salaries And Wages | $6,081,000 | $4,891,000 | $5,299,000 |
| Occupancy And Equipment | $2,012,000 | $2,005,000 | $2,087,000 |
| Impairment Of Capital Assets | - | $0 | $300,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $37,044,000 | $35,818,000 | $41,904,000 |
| Total Assets | $424,496,000 | $386,293,000 | $378,949,000 |
| Goodwill And Other Intangible Assets | $654,000 | $1,510,000 | $1,575,000 |
| Other Intangible Assets | $654,000 | $718,000 | $783,000 |
| Receivables | $2,481,000 | $1,304,000 | $1,249,000 |
| Accounts Receivable | $2,481,000 | $1,304,000 | $1,249,000 |
| Cash And Cash Equivalents | $18,887,000 | $8,004,000 | $20,997,000 |
| Cash Financial | $3,991,000 | $3,955,000 | $4,051,000 |
| Cash Cash Equivalents And Federal Funds Sold | $18,887,000 | $8,004,000 | $20,997,000 |
| Debt | |||
| Net Debt | $4,690,000 | $18,530,000 | - |
| Total Debt | $23,577,000 | $26,534,000 | $17,760,000 |
| Long Term Debt And Capital Lease Obligation | $23,577,000 | $10,334,000 | $17,760,000 |
| Long Term Debt | $23,577,000 | $10,334,000 | $17,760,000 |
| Current Debt And Capital Lease Obligation | $0 | $16,200,000 | $0 |
| Current Debt | $0 | $16,200,000 | $0 |
| Other Current Borrowings | $0 | $16,200,000 | $0 |
| Liabilities | |||
| Total Liabilities Net Minority Interest | $386,798,000 | $348,965,000 | $335,470,000 |
| Non Current Deferred Liabilities | - | - | $1,118,000 |
| Non Current Deferred Taxes Liabilities | - | - | $1,118,000 |
| Equity | |||
| Common Stock Equity | $37,698,000 | $37,328,000 | $43,479,000 |
| Total Equity Gross Minority Interest | $37,698,000 | $37,328,000 | $43,479,000 |
| Stockholders Equity | $37,698,000 | $37,328,000 | $43,479,000 |
| Other Equity Interest | $-1,356,000 | $-1,743,000 | $-1,744,000 |
| Gains Losses Not Affecting Retained Earnings | $-4,257,000 | $-6,467,000 | $-966,000 |
| Retained Earnings | $21,000,000 | $22,512,000 | $21,669,000 |
| Other | |||
| Ordinary Shares Number | $2,235,889 | $2,348,748 | $2,458,401 |
| Share Issued | $2,235,889 | $2,348,748 | $2,458,401 |
| Tangible Book Value | $37,044,000 | $35,818,000 | $41,904,000 |
| Invested Capital | $61,275,000 | $63,862,000 | $61,239,000 |
| Total Capitalization | $61,275,000 | $47,662,000 | $61,239,000 |
| Additional Paid In Capital | $22,289,000 | $23,002,000 | $24,494,000 |
| Capital Stock | $22,000 | $24,000 | $26,000 |
| Common Stock | $22,000 | $24,000 | $26,000 |
| Preferred Stock | $0 | $0 | $0 |
| Defined Pension Benefit | $13,027,000 | $10,697,000 | $11,107,000 |
| Investments And Advances | $33,117,000 | $34,944,000 | $39,103,000 |
| Held To Maturity Securities | $1,454,000 | $1,587,000 | $1,778,000 |
| Available For Sale Securities | $361,000 | $307,000 | $350,000 |
| Goodwill | $0 | $792,000 | $792,000 |
| Net PPE | $14,195,000 | $14,863,000 | $15,345,000 |
| Accumulated Depreciation | $-14,932,000 | $-14,801,000 | $-13,858,000 |
| Gross PPE | $29,127,000 | $29,664,000 | $29,203,000 |
| Construction In Progress | $205,000 | $39,000 | $31,000 |
| Other Properties | $7,332,000 | $7,493,000 | $7,256,000 |
| Buildings And Improvements | $17,763,000 | $18,265,000 | $18,049,000 |
| Land And Improvements | $3,827,000 | $3,867,000 | $3,867,000 |
| Other Short Term Investments | $31,302,000 | $33,050,000 | $36,975,000 |
| Treasury Stock | - | - | $0 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Free Cash Flow | |||
| Free Cash Flow | $1,670,000 | $3,889,000 | $2,977,000 |
| Operating Activities | |||
| Operating Cash Flow | $2,037,000 | $4,350,000 | $3,402,000 |
| Cash Flow From Continuing Operating Activities | $2,037,000 | $4,350,000 | $3,402,000 |
| Operating Gains Losses | - | - | $-69,000 |
| Investing Activities | |||
| Capital Expenditure | $-367,000 | $-461,000 | $-425,000 |
| Investing Cash Flow | $-31,754,000 | $-29,830,000 | $-12,655,000 |
| Cash Flow From Continuing Investing Activities | $-31,754,000 | $-29,830,000 | $-12,655,000 |
| Net Other Investing Changes | $2,360,000 | $221,000 | $542,000 |
| Financing Activities | |||
| Repurchase Of Capital Stock | $-1,074,000 | $-1,872,000 | $0 |
| Financing Cash Flow | $36,238,000 | $12,487,000 | $3,420,000 |
| Cash Flow From Continuing Financing Activities | $36,238,000 | $12,487,000 | $3,420,000 |
| Net Other Financing Charges | $382,000 | - | - |
| Net Common Stock Issuance | $-1,074,000 | $-1,872,000 | $13,151,000 |
| Issuance Of Capital Stock | - | $0 | $13,151,000 |
| Common Stock Issuance | - | $0 | $13,151,000 |
| Other | |||
| Repayment Of Debt | $-4,757,000 | $-8,407,000 | $-11,103,000 |
| Issuance Of Debt | $18,000,000 | $981,000 | $0 |
| Interest Paid Supplemental Data | $7,101,000 | $1,807,000 | $1,700,000 |
| End Cash Position | $14,525,000 | $8,004,000 | $20,997,000 |
| Beginning Cash Position | $8,004,000 | $20,997,000 | $26,830,000 |
| Changes In Cash | $6,521,000 | $-12,993,000 | $-5,833,000 |
| Proceeds From Stock Option Exercised | $-41,000 | $-44,000 | $-1,131,000 |
| Common Stock Payments | $-1,074,000 | $-1,872,000 | $0 |
| Net Issuance Payments Of Debt | $-2,957,000 | $8,774,000 | $-11,103,000 |
| Net Short Term Debt Issuance | $-16,200,000 | $16,200,000 | $0 |
| Net Long Term Debt Issuance | $13,243,000 | $-7,426,000 | $-11,103,000 |
| Long Term Debt Payments | $-4,757,000 | $-8,407,000 | $-11,103,000 |
| Long Term Debt Issuance | $18,000,000 | $981,000 | $0 |
| Net Investment Purchase And Sale | $3,219,000 | $-1,259,000 | $-19,655,000 |
| Sale Of Investment | $5,457,000 | $2,426,000 | $7,467,000 |
| Purchase Of Investment | $-2,238,000 | $-3,685,000 | $-27,122,000 |
| Net Investment Properties Purchase And Sale | $265,000 | $84,000 | $105,000 |
| Sale Of Investment Properties | $265,000 | $84,000 | $105,000 |
| Net PPE Purchase And Sale | $-286,000 | $-461,000 | $130,000 |
| Sale Of PPE | $81,000 | $0 | $555,000 |
| Purchase Of PPE | $-367,000 | $-461,000 | $-425,000 |
| Change In Working Capital | $-407,000 | $-942,000 | $-310,000 |
| Change In Other Working Capital | $1,088,000 | $451,000 | $935,000 |
| Change In Other Current Assets | $-1,188,000 | $-1,338,000 | $-1,175,000 |
| Change In Receivables | $-307,000 | $-55,000 | $-70,000 |
| Changes In Account Receivables | $-307,000 | $-55,000 | $-70,000 |
| Other Non Cash Items | $-867,000 | $-41,000 | $-182,000 |
| Stock Based Compensation | $460,000 | $179,000 | $48,000 |
| Unrealized Gain Loss On Investment Securities | $-51,000 | $45,000 | $-27,000 |
| Asset Impairment Charge | $792,000 | $0 | $300,000 |
| Deferred Tax | $-444,000 | $200,000 | $184,000 |
| Deferred Income Tax | $-444,000 | $200,000 | $184,000 |
| Depreciation Amortization Depletion | $1,018,000 | $1,008,000 | $1,092,000 |
| Depreciation And Amortization | $1,018,000 | $1,008,000 | $1,092,000 |
| Amortization Cash Flow | $64,000 | $65,000 | $65,000 |
| Amortization Of Intangibles | $64,000 | $65,000 | $65,000 |
| Depreciation | $954,000 | $943,000 | $1,027,000 |
| Net Income From Continuing Operations | $-1,567,000 | $1,087,000 | $1,413,000 |
| Gain Loss On Investment Securities | - | $0 | $-10,000 |
| Gain Loss On Sale Of PPE | - | $0 | $-59,000 |
Fetched: 2026-02-02