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Generations Bancorp NY, Inc (GBNY) Fair Value & Analysis

Financial Services · US · Market cap $34.4M

Price$15.20
Fair Value$3.47
Upside-77.2%
Quality95/100
Evidence: Low Range $0.6900 – $6.43

Fair value as of: Jun 26, 2026

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Analysis

Generations Bancorp NY, Inc (GBNY) currently trades at $15.20, while our model-based Fair Value estimate is $3.47 — implying the stock looks roughly 77.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

Generations Bancorp NY, Inc. operates as a holding company for Generations Bank that engages in the provision of various banking products and services. It accepts various deposit accounts, including demand, NOW, money market, savings, and certificates of deposit accounts. The company provides one- to four-family residential real estate loans, including home equity loans and lines of credit; consumer loans, such as student, automobile, recreational vehicle, manufactured home, and other consumer loans; and commercial real estate and multi-family, consumer business, residential and commercial construction loans. In addition, it invests in securities, including corporate and municipal bonds issued by states, local municipalities, and schools in the northeastern United States; and mortgage-backed securities issued by the U.S. government sponsored entities and Federal Home Loan Bank stock, as well as offers insurance and other financial products. It operates through primary office in Sene…

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Frequently asked questions

Is Generations Bancorp NY, Inc (GBNY) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $3.47 versus a price of $15.20 — about −77% (overvalued). Model-based estimate, not financial advice.
What is the fair value of GBNY?
Our 21-model fair value for Generations Bancorp NY, Inc is $3.47 (as of Jun 26, 2026), built from audited fundamentals. The current price is $15.20.
What is the quality score of GBNY?
Generations Bancorp NY, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.