📊 GBNY Key Takeaways
Is GBNY a Good Investment? Thesis Analysis
Generations Bancorp NY is in severe financial distress with massive operating losses (-$1.8M), collapsing revenue (-88.5% YoY), and deeply negative profitability margins (-265% operating, -203% net). The company is burning cash operationally despite showing positive FCF, indicating unsustainable fundamentals and potential solvency concerns for a federally chartered savings institution.
Why Buy GBNY? Key Strengths
- Positive free cash flow of $455K suggests some operational efficiency in capital deployment
- Adequate equity cushion of $35.5M relative to asset base provides some balance sheet support
- Low leverage with zero long-term debt provides flexibility for restructuring or capital raises
GBNY Investment Risks to Consider
- Severe profitability crisis with $1.4M net loss and negative net margin of -203% indicates core business failure
- Revenue collapse of 88.5% YoY signals fundamental problems in banking operations or customer base erosion
- Negative interest coverage (-0.4x) indicates inability to service debt obligations from operations; as a federally chartered savings institution, this poses regulatory risk
Key Metrics to Watch
- Quarterly revenue trend - must stabilize to avoid continued deterioration
- Operating income return to profitability - currently operating at massive losses
- Regulatory capital ratios and compliance status - critical for federally chartered savings institutions
GBNY Financial Metrics
💡 AI Analyst Insight
The 66.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
GBNY Profitability Ratios
GBNY vs Default Sector
How Generations Bancorp NY, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is GBNY Overvalued or Undervalued?
Based on fundamental analysis, Generations Bancorp NY, Inc. has mixed fundamental signals relative to the Default sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
GBNY Balance Sheet & Liquidity
GBNY 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: Generations Bancorp NY, Inc.'s revenue has declined by 26% over the 5-year period, indicating business contraction. The most recent EPS of $0.47 reflects profitable operations.
GBNY Growth Metrics (YoY)
GBNY Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2024 | $367.0K | -$166.0K | $-0.07 |
| Q1 2024 | $317.0K | -$152.0K | $-0.07 |
| Q3 2023 | $358.0K | $300.0K | $0.13 |
| Q2 2023 | $525.0K | -$166.0K | $-0.07 |
| Q1 2023 | $491.0K | -$152.0K | $-0.07 |
| Q3 2022 | $459.0K | $173.0K | $0.07 |
| Q2 2022 | $525.0K | $345.0K | $0.15 |
| Q1 2022 | $546.0K | $353.0K | $0.15 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
GBNY Capital Allocation
GBNY SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for Generations Bancorp NY, Inc. (CIK: 0001823365)
📋 Recent SEC Filings
❓ Frequently Asked Questions about GBNY
What is the AI rating for GBNY?
Generations Bancorp NY, Inc. (GBNY) has an AI rating of STRONG SELL with 92% confidence, based on fundamental analysis of SEC EDGAR filings.
What are GBNY's key strengths?
Claude: Positive free cash flow of $455K suggests some operational efficiency in capital deployment. Adequate equity cushion of $35.5M relative to asset base provides some balance sheet support.
What are the risks of investing in GBNY?
Claude: Severe profitability crisis with $1.4M net loss and negative net margin of -203% indicates core business failure. Revenue collapse of 88.5% YoY signals fundamental problems in banking operations or customer base erosion.
What is GBNY's revenue and growth?
Generations Bancorp NY, Inc. reported revenue of $684.0K.
Does GBNY pay dividends?
Generations Bancorp NY, Inc. does not currently pay dividends.
Where can I find GBNY SEC filings?
Official SEC filings for Generations Bancorp NY, Inc. (CIK: 0001823365) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is GBNY's EPS?
Generations Bancorp NY, Inc. has a diluted EPS of $-0.65.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is GBNY a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, Generations Bancorp NY, Inc. has a STRONG SELL rating with 92% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is GBNY stock overvalued or undervalued?
Valuation metrics for GBNY: ROE of -3.9% (sector avg: 15%), net margin of -202.6% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy GBNY stock in 2026?
Our dual AI analysis gives Generations Bancorp NY, Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is GBNY's free cash flow?
Generations Bancorp NY, Inc.'s operating cash flow is $481.0K, with capital expenditures of $26.0K. FCF margin is 66.5%.
How does GBNY compare to other Default stocks?
Vs Default sector averages: Net margin -202.6% (avg: 12%), ROE -3.9% (avg: 15%), current ratio N/A (avg: 1.8).