Generations Bancorp NY, Inc.

How big is Generations Bancorp NY, Inc.?

As of Jun 18, Generations Bancorp NY, Inc. has a market capitalization of 36.88 million and total assets of 387.15 million, with shareholder's funds at 35.40 million and a net profit of -5.24 million over the latest four quarters.

As of Jun 18, Generations Bancorp NY, Inc. has a market capitalization of 36.88 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters of 16.79 million. However, it also experienced a net profit of -5.24 million during the same period.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds of 35.40 million and total assets amounting to 387.15 million.

What does Generations Bancorp NY, Inc. do?

Generations Bancorp NY, Inc. is a micro-cap company in the savings banks industry, with recent net sales of $4 million and a net loss of $1 million. It has a market cap of $36.88 million and key metrics indicating no dividend yield and a negative return on equity of -15.22%.

Overview: <BR>Generations Bancorp NY, Inc. operates in the savings banks industry and is categorized as a micro-cap company.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 4 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -1 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 36.88 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: NA (Loss Making) <BR>Industry P/E: NA <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: -15.22% <BR>Price to Book: 1.07<BR><BR>Contact Details: <BR>Registrar Address: Not available.

Should I buy, sell or hold Generations Bancorp NY, Inc.?

Is Generations Bancorp NY, Inc. overvalued or undervalued?

As of November 8, 2023, Generations Bancorp NY, Inc. is considered overvalued and risky due to negative financial metrics, despite strong year-to-date and one-year returns that outperform the S&P 500.

As of 8 November 2023, the valuation grade for Generations Bancorp NY, Inc. has moved from expensive to risky. The company appears to be overvalued given its negative performance metrics and ratios. Key ratios include a Price to Book Value of 1.04, an EV to EBIT of -7.16, and an EV to EBITDA of -7.54, which indicate significant financial distress compared to its peers.<BR><BR>In the peer comparison, Generations Bancorp's EV to EBITDA ratio is notably worse than CFSB Bancorp, Inc. at -92.33 and NSTS Bancorp, Inc. at -61.49, both of which also carry a risky valuation. Despite this, the company has shown a strong YTD return of 13.31%, outperforming the S&P 500's 12.22%, and a remarkable 1-year return of 47.93% compared to the S&P 500's 17.14%. However, the overall financial ratios suggest that the stock is not fundamentally sound, reinforcing the overvalued assessment.

Is Generations Bancorp NY, Inc. technically bullish or bearish?

As of September 4, 2025, Generations Bancorp NY, Inc. shows a bullish technical trend with strong indicators like MACD and KST, despite a bearish weekly RSI, and has outperformed the S&P 500 with a 47.93% return over the past year.

As of 4 September 2025, the technical trend for Generations Bancorp NY, Inc. has changed from mildly bullish to bullish. The weekly and monthly MACD indicators are both bullish, supporting the positive trend. However, the weekly RSI is bearish, indicating some short-term weakness. The Bollinger Bands show a mildly bullish stance on the weekly and bullish on the monthly, while the daily moving averages are bullish. The KST is bullish on both weekly and monthly time frames, and the Dow Theory indicates a mildly bullish monthly trend with no trend on the weekly. <BR><BR>In terms of performance, the stock has returned 47.93% over the past year, significantly outperforming the S&P 500's 17.14% return in the same period. Overall, the current technical stance is bullish, with strong indicators supporting this view, despite some mixed signals in the RSI.