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Upturn AI SWOT - About
GBNY 
Generations Bancorp NY Inc (GBNY)
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Upturn Advisory Summary
03/27/2025: GBNY (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 28.53% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 36.85M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 3067 | Beta 0.47 | 52 Weeks Range 9.56 - 16.20 | Updated Date 03/30/2025 |
52 Weeks Range 9.56 - 16.20 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.23 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -29.09% | Operating Margin (TTM) -56.32% |
Management Effectiveness
Return on Assets (TTM) -0.66% | Return on Equity (TTM) -7.27% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 43926924 | Price to Sales(TTM) 4.07 |
Enterprise Value 43926924 | Price to Sales(TTM) 4.07 | ||
Enterprise Value to Revenue 7.08 | Enterprise Value to EBITDA - | Shares Outstanding 2278740 | Shares Floating 1747192 |
Shares Outstanding 2278740 | Shares Floating 1747192 | ||
Percent Insiders 17.54 | Percent Institutions 9.23 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Generations Bancorp NY Inc
Company Overview
History and Background
Generations Bancorp NY Inc. is a community-focused financial institution rooted in New York State. Founded on traditional banking values, it has evolved to meet the changing needs of its customers and communities over several generations.
Core Business Areas
- Retail Banking: Offers a range of personal banking services, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Commercial Banking: Provides financial solutions for businesses, such as commercial loans, lines of credit, treasury management services, and business checking accounts.
- Wealth Management: Offers investment advisory services, retirement planning, and trust services to individuals and families.
Leadership and Structure
Information on Generations Bancorp NY Inc.'s leadership team and organizational structure is not readily available in public sources.
Top Products and Market Share
Key Offerings
- Mortgages: Generations Bancorp NY Inc. provides mortgage products to its customer base, and it competes with larger regional and national players in this category. Market share data not readily available.
- Commercial Loans: They also offer commercial loans to business owners. Market share data not readily available. Competitors are other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, technological advancements, and changing customer expectations. Community banks face competition from larger institutions and fintech companies.
Positioning
Generations Bancorp NY Inc. is positioned as a community bank that focuses on building relationships with its customers and providing personalized service. Its competitive advantage lies in its local presence and customer-centric approach.
Total Addressable Market (TAM)
The TAM includes retail and commercial banking in their operating areas. Generations Bancorp NY Inc is a small player in this large fragmented market.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Personalized customer service
- Local market expertise
- Established brand reputation
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Dependence on local economy
- Limited investment in technology
Opportunities
- Expansion into new markets
- Development of digital banking services
- Partnerships with fintech companies
- Increased demand for local banking services
Threats
- Competition from larger banks and fintech companies
- Economic downturn in local markets
- Increasing regulatory burden
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Larger regional and national banks with a presence in New York State, as well as credit unions.
Competitive Landscape
Generations Bancorp NY Inc faces competition from larger banks with greater resources and wider product offerings. Its advantage lies in its local focus and personalized service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Information on Generations Bancorp NY Inc's historical growth trends is not readily available.
Future Projections: Future growth projections are not available from standard analyst estimates.
Recent Initiatives: Information on recent strategic initiatives is not readily available.
Summary
Generations Bancorp NY Inc is a community bank focused on serving local customers. It may face challenges from larger competitors and the evolving banking landscape. A focus on customer relationships and local market expertise may help it maintain its position. Limited public data makes a thorough financial assessment difficult.
Similar Companies
- N/A
Sources and Disclaimers
Data Sources:
- Publicly available information and industry reports.
Disclaimers:
The information provided is based on limited publicly available data and may not be entirely accurate or complete. Market share data is estimated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Generations Bancorp NY Inc
Exchange NASDAQ | Headquaters Seneca Falls, NY, United States | ||
IPO Launch date 2021-01-13 | President, CEO, CFO & Director Ms. Angela M. Krezmer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 71 | Website https://www.mygenbank.com |
Full time employees 71 | Website https://www.mygenbank.com | ||
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 also 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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