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Generations Bancorp NY, Inc. (GBNY)
USD15.15
+0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address
20 East Bayard Street 13148
Seneca Falls, NY, US
Seneca Falls, NY, US
CEO
Angela Krezmer
Website
mygenbank.com
IPO
2021-01-13
CIK 1823365 ISIN US37149G1085
Description
Generations Bancorp NY, Inc. operates as the parent organization for Generations Bank, delivering a wide array of banking and financial services. The institution offers diverse deposit options, including demand and NOW checking accounts, money market accounts, savings accounts, and certificates of deposit. Its extensive lending portfolio encompasses mortgages for one-to-four family homes, commercial real estate, and multi-family residences. Furthermore, it provides consumer business loans, financing for manufactured homes, automobiles, student education, recreational vehicles, and construction projects, alongside various other personal credit options and home equity loans and lines of credit. The company also strategically invests in corporate and municipal bonds issued by governmental and educational bodies across the northeastern United States, as well as mortgage-backed securities from U.S. government-sponsored entities and Federal Home Loan Bank stock. Additionally, it extends insurance and other financial products. Established in 1870, Generations Bancorp NY, Inc. maintains its headquarters and primary office in Seneca Falls, New York, complemented by eight full-service branch locations and a single drive-through facility situated in Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, New York.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD15.15
+0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.0K
Beta
0.20
Float Shares
2.05M
Free Float %
90.1%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.27% | +1.55% | +2.17% | -13.81% | -16.21% | -6.53% | +80.99% | +51.16% | +49.06% | +49.06% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
15.15
DCF (Levered)
0.40
-97.3%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.13
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
2 / 5
Medium
Operational MOAT
-
Revenue growth-11.9% Q4'25: -26.7% (vs Q4'24)
-
EPS growth+6.8% Q4'25: -3.8% (vs Q4'24)
-
FCF margin— Q4'25: +47.5% (vs Q4'24)
-
EBIT margin— Q4'25: -75.4% (vs Q4'24)
-
ROIC— Q4'25: -20.7% (vs Q4'24)
-
Share dilution+5.7% Q4'25: 0.0% (vs Q4'24)
-
Debt / EBITDA— Q4'25: -1.75× (vs Q4'24)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | C | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-26 | C | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-20 | C | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-15 | C | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-14 | C | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-12 | C- | 1/5 | 2/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-08 | C- | 1/5 | 2/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-04 | C- | 1/5 | 2/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-27 | C | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-23 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-04-22 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-04-21 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-04-16 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
4.32M
OE per share TTM
1.97
Owner's Yield
12.61%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
102.0%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
13
Beneficial owners (>5%)
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Joseph Stilwell | 243.6K | 9.91% | — | 243.6K | — | 243.6K | IN | United States | 2021-10-08 | ↗ |
| 2 | Stilwell Activist Fund, L.P. | 243.6K | 9.91% | — | 243.6K | — | 243.6K | PN | Delaware | 2021-10-08 | ↗ |
| 3 | Stilwell Activist Investments, L.P. | 243.6K | 9.91% | — | 243.6K | — | 243.6K | PN | Delaware | 2021-10-08 | ↗ |
| 4 | Stilwell Partners, L.P. | 243.6K | 9.91% | — | 243.6K | — | 243.6K | PN | Delaware | 2021-10-08 | ↗ |
| 5 | Stilwell Value LLC | 243.6K | 9.91% | — | 243.6K | — | 243.6K | OO | Delaware | 2021-10-08 | ↗ |
| 6 | for the Generations Bank 401(k) Plan and Generations Bank Employee Stock Ownership Plan. | 225.5K | 9.17% | — | 225.5K | — | 225.5K | EP | Delaware | 2022-01-26 | ↗ |
| 7 | 13-4064930 | 196.7K | 8.00% | 196.7K | — | 196.7K | — | IA | Delaware | 2022-02-14 | ↗ |
| 8 | Jason A. Stock | 186.5K | 7.59% | — | 186.5K | — | 186.5K | IN | UNITED STATES OF AMERICA | 2021-01-22 | ↗ |
| 9 | M3 FUNDS, LLC | 186.5K | 7.59% | — | 186.5K | — | 186.5K | OO | STATE OF DELAWARE, UNITED STATES OF AMERICA | 2021-01-22 | ↗ |
| 10 | M3 PARTNERS, LP | 186.5K | 7.59% | — | 186.5K | — | 186.5K | PN | STATE OF DELAWARE, UNITED STATES OF AMERICA | 2021-01-22 | ↗ |
| 11 | M3F, INC. | 186.5K | 7.59% | — | 186.5K | — | 186.5K | IA, CO | STATE OF UTAH, UNITED STATES OF AMERICA | 2021-01-22 | ↗ |
| 12 | William C. Waller | 186.5K | 7.59% | — | 186.5K | — | 186.5K | IN | UNITED STATES OF AMERICA | 2021-01-22 | ↗ |
| 13 | Estate of Menzo David Case II | 139.9K | 6.14% | 139.9K | — | 139.9K | — | IN | United States | 2024-04-29 | ↗ |
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
1
Sells
0
Shares acquired
—
Shares disposed
—
Cash buys
—
Cash sales
—
Net activity
+0
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024-03-25 | Krezmer Angela M | Officer | A-Award | A | Stock Options | 0 | 10.00 | — | 14,780 | — | ↗ |
| 2023-08-22 | Pender Alicia H | Director | L-Small | A | Common Stock | 1,000 | 9.53 | 9.5K | 1,000 | — | ↗ |
| 2023-06-14 | Dyson Derek M | Officer | — | D | Stock Options | 14,776 | 11.60 | 171.4K | 0 | — | ↗ |
| 2023-06-14 | Cutrona Anthony G | Officer | — | D | Stock Options | 29,551 | 11.60 | 342.8K | 0 | — | ↗ |
| 2023-06-13 | Nicchi Frank | Director | P-Purchase | A | Common Stock | 363 | 9.03 | 3.3K | 6,630 | — | ↗ |
| 2023-06-13 | Jones Bradford M | Director | P-Purchase | A | Common Stock | 409 | 9.03 | 3.7K | 24,515 | — | ↗ |
| 2023-06-13 | Dyson Derek M | Officer | P-Purchase | A | Common Stock | 288 | 9.03 | 2.6K | 1,878 | — | ↗ |
| 2023-06-13 | Case Menzo D | Director / Officer | P-Purchase | A | Common Stock | 3,271 | 9.03 | 29.6K | 34,495 | — | ↗ |
| 2023-06-13 | Aikman Cynthia S | Director | P-Purchase | A | Common Stock | 490 | 9.03 | 4.4K | 2,658 | — | ↗ |
| 2023-05-18 | Pender Alicia H | Director | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2023-02-27 | Dyson Derek M | Officer | — | I | Common Stock | 0 | 0.00 | — | 946 | — | ↗ |
| 2023-02-27 | Cutrona Anthony G | Officer | — | I | Common Stock | 0 | 0.00 | — | 4,019 | — | ↗ |
| 2022-08-10 | Krezmer Angela M | Officer | P-Purchase | A | Common Stock | 100 | 11.50 | 1.2K | 12,521 | — | ↗ |
| 2022-06-14 | Krezmer Angela M | Officer | A-Award | A | Stock Options | 29,551 | 0.00 | — | 29,551 | — | ↗ |
| 2022-06-14 | Case Menzo D | Officer | A-Award | A | Stock Options | 36,939 | 0.00 | — | 36,939 | — | ↗ |
| 2022-05-23 | Sinicropi August P | Director | P-Purchase | A | Common Stock | 240 | 11.68 | 2.8K | 3,590 | — | ↗ |
| 2022-05-23 | Nicchi Frank | Director | P-Purchase | A | Common Stock | 240 | 11.68 | 2.8K | 6,267 | — | ↗ |
| 2022-05-23 | Jones Bradford M | Director | P-Purchase | A | Common Stock | 261 | 11.68 | 3.0K | 24,106 | — | ↗ |
| 2022-05-23 | Case Menzo D | Officer | P-Purchase | A | Common Stock | 2,480 | 11.68 | 29.0K | 31,224 | — | ↗ |
| 2022-05-23 | Aikman Cynthia S | Director | P-Purchase | A | Common Stock | 340 | 11.68 | 4.0K | 2,168 | — | ↗ |
| 2022-05-19 | Sinicropi August P | Director | A-Award | A | Common Stock | 1,108 | 0.00 | — | 1,108 | D | ↗ |
| 2022-05-19 | Nicchi Frank | Director | A-Award | A | Stock Options | 2,770 | 0.00 | — | 2,770 | — | ↗ |
| 2022-05-19 | Macaluso Gerald | Director | A-Award | A | Common Stock | 1,108 | 0.00 | — | 2,106 | — | ↗ |
| 2022-05-19 | Jones Bradford M | Director | A-Award | A | Common Stock | 1,108 | 0.00 | — | 8,871 | — | ↗ |
| 2022-05-19 | Gardner James Elsworth | Director | A-Award | A | Stock Options | 2,770 | 0.00 | — | 2,770 | — | ↗ |
| 2022-05-19 | Aikman Cynthia S | Director | A-Award | A | Stock Options | 2,770 | 0.00 | — | 2,770 | — | ↗ |
| 2022-05-19 | Acevedo Jose A | Director | A-Award | A | Stock Options | 2,770 | 0.00 | — | 2,770 | — | ↗ |
| 2021-09-16 | Krezmer Angela M | Officer | L-Small | A | Common Stock | 595 | 11.20 | 6.7K | 600 | — | ↗ |
| 2021-09-14 | Krezmer Angela M | Officer | L-Small | A | Common Stock | 5 | 11.15 | 55.75 | 5 | — | ↗ |
| 2021-06-07 | Krezmer Angela M | Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2021-02-19 | Sinicropi August P | Director | L-Small | A | Common Stock | 284 | 9.67 | 2.7K | 3,350 | — | ↗ |
| 2021-02-19 | Nicchi Frank | Director | L-Small | A | Common Stock | 294 | 9.67 | 2.8K | 6,027 | — | ↗ |
| 2021-02-19 | Jones Bradford M | Director | L-Small | A | Common Stock | 310 | 9.67 | 3.0K | 23,845 | — | ↗ |
| 2021-02-19 | Aikman Cynthia S | Director | L-Small | A | Common Stock | 412 | 9.67 | 4.0K | 1,828 | — | ↗ |
| 2021-02-10 | Case Menzo D | Officer | P-Purchase | A | Common Stock | 153 | 9.70 | 1.5K | 28,744 | — | ↗ |
| 2021-01-29 | Case Menzo D | Officer | P-Purchase | A | Common Stock | 761 | 9.86 | 7.5K | 28,591 | — | ↗ |
| 2021-01-12 | WINN KENNETH VINCENT | Officer | — | I | Common Stock | 0 | 0.00 | — | 417 | — | ↗ |
| 2021-01-12 | Sinicropi August P | Director | — | I | Common Stock | 0 | 0.00 | — | 14,219 | — | ↗ |
| 2021-01-12 | Nicchi Frank | Director | — | D | Common Stock | 0 | 0.00 | — | 1,996 | — | ↗ |
| 2021-01-12 | Macaluso Gerald | Director | — | D | Common Stock | 0 | 0.00 | — | 998 | — | ↗ |
| 2021-01-12 | Jones Bradford M | Director | — | D | Common Stock | 0 | 0.00 | — | 7,763 | — | ↗ |
| 2021-01-12 | Gardner James Elsworth | Director | — | D | Common Stock | 0 | 0.00 | — | 2,998 | — | ↗ |
| 2021-01-12 | Case Menzo D | Director / Officer | — | I | Common Stock | 0 | 0.00 | — | 1,546 | — | ↗ |
| 2021-01-12 | Aikman Cynthia S | Director | — | I | Common Stock | 0 | 0.00 | — | 1,416 | — | ↗ |
| 2021-01-12 | Acevedo Jose A | Director | — | D | Common Stock | 0 | 0.00 | — | 2,100 | — | ↗ |
Executive team
Top executives
EBIT / Employee
-65.5K
Shares Outstanding
2.28M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2023 | Menzo D. Case Former President and Chief Executive Officer | 323.7K | — | — | — | — | 63.5K | 387.2K | 0.00% | ↗ |
| 2 | 2023 | Angela M. Krezmer President, Chief Executive Officer, and Chief Financial Officer | 250.0K | — | — | — | — | 16.1K | 266.1K | 0.00% | ↗ |
| 3 | 2023 | Anthony G. Cutrona SVP, Chief Banking Officer | 172.2K | 10.0K | — | — | — | 15.1K | 197.3K | 0.00% | ↗ |
| 4 | 2023 | Derek M. Dyson SVP, Chief Information Officer | 154.0K | — | — | — | — | 11.3K | 165.3K | 0.00% | ↗ |
| 5 | 2022 | Menzo D. Case President and Chief Executive Officer | 317.6K | — | 171.4K | 126.7K | — | 46.4K | 662.2K | 45.02% | ↗ |
| 6 | 2022 | Menzo D. Case Former President and Chief Executive Officer | 317.6K | — | 171.4K | 126.7K | — | 46.4K | 662.2K | 45.02% | ↗ |
| 7 | 2022 | Angela M. Krezmer President, Chief Executive Officer, and Chief Financial Officer | 169.8K | — | 137.1K | 101.4K | — | 8.0K | 416.3K | 57.28% | ↗ |
| 8 | 2022 | Angela M. Krezmer SVP, Chief Financial Officer | 169.8K | — | 137.1K | 101.4K | — | 8.0K | 416.3K | 57.28% | ↗ |
| 9 | 2022 | Anthony G. Cutrona SVP, Chief Banking Officer | 151.9K | — | 137.1K | 101.4K | — | 9.8K | 400.2K | 59.59% | ↗ |
| 10 | 2022 | Anthony G. Cutrona SVP, Growth and Profitability Officer | 151.9K | — | 137.1K | 101.4K | — | 9.8K | 400.2K | 59.59% | ↗ |
| 11 | 2021 | Menzo D. Case President and Chief Executive Officer | 288.4K | — | — | — | — | 58.3K | 346.7K | 0.00% | ↗ |
| 12 | 2021 | Kenneth V. Winn SVP, Director of Credit | 155.0K | — | — | — | — | 23.5K | 178.4K | 0.00% | ↗ |
| 13 | 2020 | Menzo D. Case President and Chief Executive Officer | 277.1K | 10.0K | — | — | — | 46.9K | 334.1K | 0.00% | ↗ |
| 14 | 2020 | Shelley J. Tafel SVP, Chief Financial Officer | 155.0K | — | — | — | — | 13.0K | 168.0K | 0.00% | ↗ |
| 15 | 2020 | Kenneth V. Winn SVP, Director of Credit Administration | 148.0K | 6.0K | — | — | — | 3.0K | 157.0K | 0.00% | ↗ |
| 16 | 2020 | Kenneth V. Winn SVP, Director of Credit | 148.0K | 6.0K | — | — | — | 3.0K | 157.0K | 0.00% | ↗ |
| 17 | 2019 | Menzo D. Case President and Chief Executive Officer | 263.4K | — | — | — | — | 47.0K | 310.4K | 0.00% | ↗ |
| 18 | 2019 | Shelley J. Tafel SVP, Chief Financial Officer | 163.9K | — | — | — | — | 15.1K | 179.0K | 0.00% | ↗ |
| 19 | 2019 | Kenneth V. Winn SVP, Director of Credit Administration | 142.0K | — | — | — | — | 11.3K | 153.3K | 0.00% | ↗ |
CEO compensation breakdown
Proxy statements
Proxy statements (DEF 14A)
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Angela Krezmer | President, Chief Executive Officer, Chief Financial Officer & Director | 266.1K | female |
| Anthony G. Cutrona | Senior Vice President & Chief Banking Officer | 197.3K | male |
| Derek Dyson | Senior Vice President & Chief Information Officer | 165.3K | male |
| Bonnie L. Morlang | Chief Accounting Officer, Human Resource Officer & Senior Vice President | — | female |
| Lori Parish | Assistant Vice President & Corporate Secretary | — | — |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for GBNY
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
