Generations Bancorp NY Inc (GBNY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Generations Bancorp NY Inc stock (GBNY) is currently trading at $14.95. Generations Bancorp NY Inc PS ratio (Price-to-Sales) is 4.45. WallStSmart rates GBNY as Sell.
- GBNY PE ratio analysis and historical PE chart
- GBNY PS ratio (Price-to-Sales) history and trend
- GBNY intrinsic value — DCF, Graham Number, EPV models
- GBNY stock price prediction 2025 2026 2027 2028 2029 2030
- GBNY fair value vs current price
- GBNY insider transactions and insider buying
- Is GBNY undervalued or overvalued?
- Generations Bancorp NY Inc financial analysis — revenue, earnings, cash flow
- GBNY Piotroski F-Score and Altman Z-Score
- GBNY analyst price target and Smart Rating
Generations Bancorp NY Inc
📊 No data available
Try selecting a different time range
Smart Analysis
Generations Bancorp NY Inc (GBNY) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book. Concerns around market cap and return on equity. Significant fundamental concerns warrant caution or avoidance.
Generations Bancorp NY Inc (GBNY) Key Strengths (1)
Trading below book value, meaning the market prices it less than net assets
Generations Bancorp NY Inc (GBNY) Areas to Watch (8)
Company is destroying shareholder value
Losing money on operations
Revenue declining -34.00%, a shrinking business
Earnings declining -92.00%, profits shrinking
Company is losing money with a negative profit margin
Very low institutional interest at 0.00%
Micro-cap company with very limited liquidity and high volatility
Premium valuation at 4.5x annual revenue
Generations Bancorp NY Inc (GBNY) Detailed Analysis Report
Overall Assessment
This company scores 21/100 in our Smart Analysis, earning a F grade. Out of 9 metrics analyzed, 1 register as strengths (avg 10.0/10) while 8 fall into concern territory (avg 1.1/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book. Valuation metrics including Price/Book (0.99) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, Revenue Growth. Some valuation metrics including Price/Sales (4.45) suggest expensive pricing. Growth concerns include Revenue Growth at -34.00%, EPS Growth at -92.00%, which may limit upside. Profitability pressure is visible in Return on Equity at -13.10%, Operating Margin at -81.10%, Profit Margin at -62.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -13.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -34.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
GBNY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
GBNY's Price-to-Sales ratio of 4.45x trades 123% above its historical average of 2x (97th percentile), historically expensive. The current valuation is 0% below its historical high of 4.45x set in Mar 2026, and 235% above its historical low of 1.33x in May 2024. Over the past 12 months, the PS ratio has expanded from ~2.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Generations Bancorp NY Inc (GBNY) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Generations Bancorp NY Inc is in a turnaround phase, with management focused on restoring profitability. Revenue reached 8M with 34% decline year-over-year. The company is currently unprofitable, posting a -62.4% profit margin.
Key Findings
Revenue contracted 34% YoY. Worth determining whether this is cyclical or structural.
The company is unprofitable with a -62.4% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Generations Bancorp NY Inc.
Bottom Line
Generations Bancorp NY Inc is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:27:41 AM
About Generations Bancorp NY Inc(GBNY)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Generations Bancorp NY, Inc. is a portfolio company of Generations Bank offering various banking products and services. The company is headquartered in Seneca Falls, New York.