1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Generations Bancorp NY, Inc.

Generations Bancorp NY, Inc.

GBNY
Generations Bancorp NY, Inc.US flagOther OTC
15.06
USD
+0.01
- -
34.31MMarket Cap
Generations Bancorp NY, Inc.
GBNY
(Other OTC)

Recent

price

15.06

P/E

ratio

- -

div

yld

- -

ROIC.AI

2004
2005
2006
2007
2008
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
- -
- -
3.35
2.65
2.25
4.43
5.08
5.36
4.93
4.31
3.03
- -
3.77
Revenue per Share
- -
- -
0.05
0.07
-0.21
0.04
0.71
0.6
0.47
-0.72
-2.1
- -
-1.21
Basic EPS, GAAP
- -
- -
0.41
15.65
0.76
0.23
0.31
1.27
1.68
0.76
-0.49
- -
-0.17
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
5.99
4.33
4.1
7.57
8.25
9.22
9.76
9.59
7.13
- -
9.01
Book Value per Share
- -
- -
10.32
7.93
7.17
10.8
11.49
17.82
15.51
16.91
15.28
- -
16.02
Tangible Book Value per Share
- -
- -
2
2
2
2
2
2
2
2
2
- -
2
Basic Weighted Avg Shares
6
6
6
6
5
11
12
13
11
9
7
6
8
Sales/Revenue/Turnover
0.39
1.43
2.03
4.09
-8.48
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
- -
- -
- -
1
1
1
1
1
1
1
1
Depreciation Expense
- -
- -
- -
- -
- -
- -
2
1
1
-2
-5
-5
-3
Net Income, GAAP
- -
12.05
33.06
31.45
- -
- -
- -
16.69
16.58
- -
- -
- -
- -
Effective Tax Rate (%)
0.53
1.26
1.36
2.8
-9.43
0.8
13.99
11.21
9.55
-16.58
-69.25
-75.63
-32.09
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
22
18
18
10
18
32
29
18
10
24
20
17
21
LT Debt
11
10
19
19
17
28
30
43
37
38
35
33
36
Total Equity
- -
0.19
0.22
0.51
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
0.7
0.77
1.65
-5.04
0.62
8.99
6.73
4.92
-7.2
-25.62
-33.67
-12.96
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'23
Mar'24
Jun'24
ST Debt
- -
3
- -
LT Borrowings
24
23
21
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
22
22
22

Working Capital

FRC

•

in mil. unless spec.
Dec'23
Mar'24
Jun'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
50
41
39
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
3
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.88%
4.05%
-5.98%
Free Cash Flow
450.06%
-25.53%
-222.6%
Net Income, GAAP
144.15%
-16.72%
-1.95%
Sales/Revenue/Turnover
5.18%
-12.6%
-10.21%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
3
2
2
3
9
2024
2
2
- -
- -
7
2025
2
- -
- -
- -
6

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
-0.07
-0.07
-0.3
- -
-0.72
2024
-0.24
-0.39
- -
- -
-2.1
2025
-0.44
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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Business
Generations Bancorp NY, Inc. Generations Bancorp NY, Inc. (OTCQX: GBNY) serves as the holding company for Generations Bank, a New York-chartered community bank focused on retail and commercial banking services in the Finger Lakes region and surrounding areas of upstate New York; it offers deposit products including demand, NOW, money market, savings, and certificate of deposit accounts; provides one- to four-family residential real estate loans, home equity loans and lines of credit, consumer loans such as automobile, recreational vehicle, manufactured home, student, and other personal loans, commercial real estate loans, multi-family residential loans, commercial business loans, and residential and commercial construction loans; invests in U.S. government-sponsored mortgage-backed securities, corporate and municipal bonds from northeastern states and localities, and Federal Home Loan Bank stock; and delivers online and mobile banking platforms with features like bill pay, mobile check deposit, and digital statements, alongside insurance products through Generations Agency. Founded in 1870 as Seneca Falls Savings Bank and renamed Generations Bank in 2012, the company maintains its headquarters at 20 East Bayard Street in Seneca Falls, New York, with eight full-service branches and one drive-through facility in Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo. In September 2024, Generations Bancorp NY, Inc. and Generations Bank entered a definitive purchase and assumption agreement with Rochester-based ESL Federal Credit Union for ESL to acquire substantially all assets and liabilities of Generations Bank in an all-cash transaction valued at $26.2 million; shareholders approved the agreement and a plan of liquidation in February 2025, followed by regulatory approvals from the OCC, FDIC, and NCUA throughout 2025, with closing scheduled for January 1, 2026, subject to customary conditions; the company also voluntarily delisted from Nasdaq and plans SEC deregistration as part of this strategic shift.

Company News

APIChat

  • prnewswire.com

    Generations Bancorp NY, Inc. Announces Voluntary Nasdaq Delisting and SEC Deregistration

  • prnewswire.com

    GENERATIONS BANCORP NY, INC. APPOINTS ANGELA KREZMER AS PRESIDENT & CEO

  • investorplace.com

    3 Under-the-Radar Stocks Insiders Are Loading Up On Before They Skyrocket

  • seekingalpha.com

    Generations Bancorp: Trading Below Liquidation Value And Our Favorite Activist On-Board

  • prnewswire.com

    Generations Bancorp NY, Inc. Announces Planned Retirement of Kenneth Winn, SVP of Credit Administration