Saturday 17 October 2026
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Generations Bancorp NY, Inc.
GBNY Financial Banks Regional
Generations Bancorp NY, Inc.’s revenue for fiscal 2023 (year ended December 2023) was $19.3 million, up 25.1% from fiscal 2022. Revenue growth for three consecutive years.
16.23
0.02
+0.12%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Trend | 2024e | 2025e | 2026e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | — | — | — | — | — | — | — | 9.35 | 10.51 | 8.04 |
Analyst estimates 2024–2026 Powerpack |
|||
| High | — | — | — | — | — | — | — | 13.50 | 12.11 | 11.05 | |||||
| People | |||||||||||||||
| People | Employees | — | — | — | — | — | — | 96 | 88 | 85 | 74 | ||||
| Revenue/emp, $m | — | — | — | — | 0.00 | 0.00 | 0.18 | 0.19 | 0.18 | 0.26 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | — | — | — | — | 13 | 16 | 17 | 16 | 15 | 19 | ||||
| Gross margin, % | — | — | — | — | 0.00 | 80.59 | 83.17 | 89.69 | 87.46 | 60.74 | |||||
| EBT | — | — | — | — | 0 | 0 | 2 | 2 | 1 | (2) | |||||
| EBT margin, % | — | — | — | — | (2.86) | (0.42) | 9.46 | 10.39 | 8.45 | (10.32) | |||||
| Net income | — | — | — | — | 0 | 0 | 2 | 1 | 1 | (2) | |||||
| Depreciation | — | — | — | — | — | 1 | 1 | 1 | 3 | 4 | |||||
| Per share, $ | |||||||||||||||
| Per share, $ | Revenue | — | — | — | — | 5.10 | 6.64 | 7.08 | 6.94 | 6.68 | 8.81 | ||||
| Earnings | — | — | — | — | (0.09) | 0.04 | 0.71 | 0.57 | 0.45 | (0.72) | |||||
| Cash flow | — | — | — | — | (0.19) | 0.56 | 0.41 | 1.45 | 1.88 | 0.93 | |||||
| Capex | — | — | — | — | 0.00 | (0.27) | (0.05) | 0.10 | (0.16) | (0.01) | |||||
| Free cash flow | — | — | — | — | (0.19) | 0.29 | 0.36 | 1.55 | 1.72 | 0.92 | |||||
| Book value | — | — | — | — | 11.11 | 11.49 | 12.18 | 18.49 | 16.16 | 17.21 | |||||
| Shares, m | — | — | — | — | 2 | 2 | 2 | 2 | 2 | 2 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | — | — | — | — | 14.16 | 14.16 | 14.16 | 19.87 | 22.79 | 0.00 | ||||
| P/S | — | — | — | — | 1.42 | 1.42 | 1.42 | 1.72 | 1.62 | 1.17 | |||||
| P/B | — | — | — | — | 0.83 | 0.83 | 0.83 | 0.64 | 0.67 | 0.60 | |||||
| EV/Sales | — | — | — | — | 1.54 | 1.54 | 1.54 | 1.52 | 1.77 | 1.42 | |||||
| EV/FCF | — | — | — | — | 34.92 | 34.92 | 34.92 | 6.82 | 6.87 | 13.56 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | 0 | 1 | 1 | 3 | 4 | 2 | ||||
| Capex | — | — | — | — | (1) | (1) | 0 | 0 | 0 | 0 | |||||
| Free cash flow | — | — | — | — | 0 | 1 | 1 | 4 | 4 | 2 | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | (9) | 4 | (12) | (21) | (4) | ||||
| Total debt | — | — | — | — | 26 | 32 | 29 | 18 | 10 | 24 | |||||
| Net debt | — | — | — | — | 26 | 19 | 2 | (3) | 2 | 5 | |||||
| Shareholders’ equity | — | — | — | — | 27 | 28 | 30 | 43 | 37 | 38 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | — | — | — | — | (0.06) | 0.03 | 0.48 | 0.38 | 0.28 | (0.39) | ||||
| ROIC | — | — | — | — | 0.00 | (0.09) | 3.22 | 3.10 | 2.05 | (2.94) | |||||
| ROE | — | — | — | — | (0.77) | 0.31 | 6.02 | 3.85 | 2.69 | (4.18) | |||||
Negative figures in brackets.
Fiscal years to Dec 2023 · latest quarter Jun 2024
Charts ten years each
Generations Bancorp NY, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| ASRV AmeriServ Financial Inc. | $75.7M | 8.9× | — (loss-making) | +4.04% (above 0%: growing) | n/m | −756.91% (below 0%: shrinking) | 70.16% | 0.00% | Compare |
| HFBL Home Federal Bancorp, Inc. of Louisiana | $73.1M | 11.8× | — | +10.29% (above 0%: growing) | +23.08% (above 0%: growing) | +210.53% (above 0%: growing) | 70.94% | 0.00% | Compare |
| CLST Catalyst Bancorp, Inc. | $68.0M | 29.8× | — | +3.68% (above 0%: growing) | +7.14% (above 0%: growing) | −14.23% (below 0%: shrinking) | 74.83% | 0.00% | Compare |
| CULL Cullman Bancorp, Inc. | $65.2M | 32.5× | 19.5× | +8.86% (above 0%: growing) | −26.67% (below 0%: shrinking) | −90.89% (below 0%: shrinking) | 71.49% | 0.00% | Compare |
| BCOW 1895 Bancorp of Wisconsin Inc. | $57.9M | 88.0× | — (loss-making) | +1.53% (above 0%: growing) | n/m | +993.81% (above 0%: growing) | 64.21% | 0.00% | Compare |
| TCBS Texas Community Bancshares, Inc. | $49.6M | 13.4× | 26.5× | +8.29% (above 0%: growing) | +54.17% (above 0%: growing) | −4.04% (below 0%: shrinking) | 67.29% | 0.00% | Compare |
| MBBC Marathon Bancorp, Inc. | $44.1M | 21.3× | — | +17.92% (above 0%: growing) | n/m | +110.20% (above 0%: growing) | 70.72% | 0.00% | Compare |
| KFFB Kentucky First Federal Bancorp | $43.8M | 23.1× | — | +7.22% (above 0%: growing) | +320.50% (above 0%: growing) | +650.00% (above 0%: growing) | 59.33% | 0.00% | Compare |
| GBNY Generations Bancorp NY, Inc. | $35.1M | — (loss-making) | 23.0× | +3.79% (above 0%: growing) | n/m | −40.08% (below 0%: shrinking) | 48.38% | 0.00% | |
| Median of peers | $61.5M | 22.2× | — | +7.76% | +23.08% | +53.08% | 70.44% | 0.00% |
Generations Bancorp NY, Inc. (GBNY) key facts
- Concern: Generations Bancorp NY, Inc. reported a net loss of $1.6 million, or a loss of $0.72 per share, for fiscal 2023.
- Strength: Generations Bancorp NY, Inc.’s revenue for fiscal 2023 (year ended December 2023) was $19.3 million, up 25.1% from fiscal 2022.
- Generations Bancorp NY, Inc. (GBNY) is a Banks Regional company in the Financial sector.
- As of September 14, 2026, GBNY traded at $16.23, a market capitalization of $35.1 million.
- Trailing earnings are negative, so a P/E ratio is not meaningful; the stock trades at 1.7× sales.
- Return on equity was −4.18% and debt-to-equity 0.60.
- Its Piotroski F-score is 5 out of 9 for fiscal 2023.
Generations Bancorp NY, Inc. (GBNY) Latest News
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