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Generations Bancorp Ny(OTC) GBNY

Market Cap$34.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2006)+58%
5 Year+47%
1 Year-8%
1 Month+1%
$15.28
-0.59%
-0.09Today
Generations Bancorp Ny last closing stock price
MetricPriceDate
Last closeUSD 15.282026-08-14
Generations Bancorp Ny stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%USD 15.282026-08-05
1 month+0.86%USD 15.152026-07-10
3 month+2.41%USD 14.922026-05-15
Year to date-14.87%USD 17.952025-12-31
1 year-7.95%USD 16.602025-08-14
3 year+56.24%USD 9.782023-08-15
5 year+46.78%USD 10.412021-08-13
Since inception+58.09%USD 9.672006-07-11

Generations Bancorp Ny Financials at a Glance

Market Cap

$34.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$15.98M

Net Income (TTM)

-$4.68M

EPS (TTM)

-$2.06

P/E Ratio

-7.44

Dividend

$0.00

Beta (Volatility)

-0.01 (Low)

Price

$15.28

Volume

32

Open

$15.28

Previous Close

$15.28

Daily Range

$15.28 - $15.28

52-Week Range

$14.68 - $17.95

Estimated Earnings Date

N/A

GBNY News

No articles available.

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About Generations Bancorp Ny

Generations Bancorp NY, Inc. operates as the parent organization for Generations Bank, providing a comprehensive range of banking and financial services. Established in 1870, the company is headquartered in Seneca Falls, New York, and has multiple branch locations across the region.

Products and Services
  • Diverse deposit options including checking, savings, and certificates of deposit
  • Extensive lending portfolio covering mortgages, commercial real estate, and personal loans
  • Investment in corporate and municipal bonds, along with insurance products
Growth Outlook
  • Recent quarterly revenue of $3.28 million indicates potential for recovery
  • Strong interest income growth, reaching $3.39 million in Q4 2025
  • Strategic investments in municipal bonds may enhance future earnings
Financial Highlights
  • Trailing twelve months (TTM) revenue of $16.5 million reflects steady performance
  • Net income for Q4 2025 reported at -$2.48 million, showing challenges
  • Current market capitalization stands at approximately $34.8 million
Generations Bancorp NY, Inc. has a long-standing history in the regional banking sector, offering a variety of financial products tailored to meet customer needs. The company’s diverse deposit options and extensive lending portfolio position it well within the competitive landscape. Recent financial data indicates a revenue of $3.28 million for the fourth quarter of 2025, suggesting a potential for recovery despite challenges reflected in the net income figures. The strategic focus on municipal bonds and other investments may provide avenues for future growth, making Generations Bancorp an intriguing option for investors interested in regional banking opportunities.
AI Generated • Aug 7, 2026

Industry

Banks

Sector

Financials

Employees

74

CEO

Angela M. Krezmer

Website

www.generationsbancorpny.com

Headquarters

Seneca Falls, NY 13148, US

GBNY Financials

Key Financial Metrics (TTM)

Gross Margin

41.54%

Operating Margin

-29.09%

Net Income Margin

-29.30%

Return on Equity

-13.76%

Return on Capital

-9.18%

Return on Assets

-1.34%

Earnings Yield

-13.44%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$34.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.24M

Volume

32

Avg. Volume

1.21K

Financials (TTM)

Gross Profit

$6.64M

Operating Income

-$4.65M

EBITDA

-$4.65M

Operating Cash Flow

-$136.00K

Capital Expenditure

-$225.00K

Free Cash Flow

-$361.00K

Cash & ST Invst.

$2.84M

Total Debt

$17.33M

Generations Bancorp Ny Performance Analysis

Generations Bancorp Ny annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 15,466,000-5.1%
20232023-12-31USD 19,247,00024.4%
20242024-12-31USD 18,765,000-2.5%
20252025-12-31USD 16,471,000-12.2%
Generations Bancorp Ny sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-03-31-10.3%
Q22025-06-309.6%
Q32025-09-30-2.1%
Q42025-12-31-23.7%
Generations Bancorp Ny annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.47-21.7%
20232023-12-31USD -0.72N/A
20242024-12-31USD -2.21209.7%
20252025-12-31USD -2.06-7.2%
Generations Bancorp Ny sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-03-3158.1%
Q22025-06-3031.8%
Q32025-09-3023.3%
Q42025-12-31-373.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$3.28M

-26.7%

Gross Profit

$1.22M

-24.9%

Gross Margin

37.11%

N/A

Market Cap

$34.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$482.46K

N/A

Employees

71

N/A

Net Income

-$2.48M

-3.2%

EBITDA

-$2.47M

-49.4%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Total Cash

$2.84M

-24.2%

Total Debt

$17.33M

-12.9%

Accounts Receivable

$1.19M

-30.1%

Inventory

$0.00

N/A

Long Term Debt

$17.33M

-0.7%

Short Term Debt

$0.00

-100.0%

Return on Assets

-1.34%

N/A

Return on Invested Capital

-1.33%

N/A

Free Cash Flow

$1.56M

-39.4%

Operating Cash Flow

$1.58M

-39.1%

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Questions About GBNY

What is the current price of Generations Bancorp Ny?

Generations Bancorp Ny is trading at $15.28 per share.

What is the 52-week range for Generations Bancorp Ny?

Over the past 52 weeks, Generations Bancorp Ny has traded between $14.68 and $17.95.

How much debt does Generations Bancorp Ny have?

As of the most recent reporting period, Generations Bancorp Ny reported total debt of $17.33M.

How much cash does Generations Bancorp Ny have on hand?

Generations Bancorp Ny does not have cash on hand data available.

What is Generations Bancorp Ny’s dividend yield?

Generations Bancorp Ny does not currently have a dividend yield.

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