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Generations Bancorp NY Inc (GBNY) fair value: what the stock is really worth

As of Sep 14, 2026: fair value of Generations Bancorp NY Inc $23.70, price $16.23, upside +46.0%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
  3. Add to watchlist

Financial Services · US · ISIN US37149G1085

GB Generations Bancorp NY Inc logo Thin data Sep 23, 2026

Generations Bancorp NY Inc

GBNY · US

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value $23.70 · Undervalued (+46%)
!Quality 45/100
!Weak Growth (revenue 5y +1.4 %/yr)
!Loss-making · -62.4% net margin (TTM)
✓Moderate debt · generates free cash flow
!Trails peers (2/11)
!Narrow moat 10/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$17.95 $5.85 Fair Value $23.70 Dec 2018 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $5.85 – $17.95 · fair‑value band $18.94 – $28.70 · the $16.23 price screens below the $23.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

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.

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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 Seneca Falls, New York; and eight full-service branch offices and one drive-through facility located in Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, New York. The company was founded in 1870 and is headquartered in Seneca Falls, New York.

Stock analysis

Generations Bancorp NY Inc (GBNY) currently trades at $16.23, while our model-based Fair Value estimate is $23.70, implying the stock looks roughly 31.5% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of $22.19 per share, and 3 of the 7 models we run sit above the $16.23 price.

Bear case: the Multiples group reads lowest at $3.47, and 4 of the 7 models stay below the price. Evidence for this calculation is low.

Scenario range: $18.94 (bear) to $28.70 (bull), the price of $16.23 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Generations Bancorp NY Inc reported revenue of $16.5M in FY2025 versus $14.3M in FY2021, a compound +3.7%/yr. Reported net income was −$4.7M in FY2025.

Key figures

Market cap $37.0M · P/S ratio 4.49 · EPS (TTM) $−2.06 · Net margin −28.3% · Return on equity −13.1% · Return on assets (EBIT) −0.4% · Operating margin −81.1% · Revenue (TTM) $7.6M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).

What moves the price

The share trades about 10% below its 52-week high and 11% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 46%, GBNY screens cheaper than that median.

Fair Value models

Bear $18.94 Fair Value $23.70 Bull $28.70
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
FCF DCF $29.06 $41.68 $61.43 80
Growth DCF $30.20 $42.23 $59.96 79
5Y Revenue Exit $11.22 $14.99 $19.78 74
All 7 models by family
DCF Models
FCF DCF $29.06 $41.68 $61.43 80
5Y Revenue Exit $11.22 $14.99 $19.78 74
10Y Revenue Exit $17.79 $22.19 $26.81 68
Multiples
EV/Revenue $0.5200 $3.47 $6.43 47
Asset-Based
NCAV (Graham) $7.30 $9.79 $14.61 54
Growth DCF
Growth DCF $30.20 $42.23 $59.96 79
Rev-Margin DCF $11.22 $15.73 $20.85 73

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Quality Score breakdown

Overall quality 45/100

Of which business quality 41 · Market factors (momentum, volatility) 57

Profitability 4
Margins and returns on capital today
Quality Growth 53
Are margins and returns improving?
Cashflow 65
Earnings quality: real cash, not paper profit
Fin. Strength 3
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 95
Calm price path (market factor)
Momentum 44
Price trend over the last 3–12 months (market factor)
52W Momentum 38
Distance to the 52-week high (market factor)
Net Issuance 56
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 23/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−11.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.4%
Start year 2020 (pandemic). Over 10 years: +3.5% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.4%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
10.7% (2020) → −28.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

Growth Forecast

A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+13.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +10.9% a year for the price.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks

Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 42 · Bottom 25%
Fair Value upside +46% · Top 25%
Profitability
Return on assets −1% · Bottom 25%
Net margin (TTM) −62% · Bottom 25%
Operating margin (TTM) −81% · Bottom 25%
Growth and dividend
Revenue growth −34% · Bottom 25%
Balance sheet
Debt / equity 0.52× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/B 1.11× · Cheaper than median
P/S (TTM) 4.83× · Priciest 25%
P/FCF 21.4× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)95 · sector 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)0 · sector 41
HEALTH (low debt)74 · sector 85
DIVIDEND (yield)0 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Generations Bancorp NY Inc · Fair Value
$23.70 +32%Fair Value
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Cite: Fair Value Calculator (2026). "Generations Bancorp NY Inc Fair Value". https://www.fairvalue-calculator.com/stock/GBNY

Frequently asked questions

Is Generations Bancorp NY Inc (GBNY) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $23.70 versus the last price from Sep 14, 2026 of $16.23, about +46% upside (undervalued).
What is the fair value of GBNY?
Our model-based fair value for Generations Bancorp NY Inc is $23.70 (as of Sep 23, 2026), built from audited fundamentals. Last price (from Sep 14, 2026): $16.23.
What is the quality score of GBNY?
Generations Bancorp NY Inc has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Generations Bancorp NY Inc (GBNY)?
Our model-based price target is the fair value of $23.70 (as of Sep 23, 2026) from 7 valuation models. Cautious scenario $18.94, optimistic scenario $28.70. It is a calculation from audited fundamentals, not an analyst target.
What is the Generations Bancorp NY Inc stock forecast for 2026?
Our models put fair value at $23.70, about +46% upside versus the last price from Sep 14, 2026 of $16.23 (undervalued). Cautious scenario $18.94, optimistic scenario $28.70. The calculation is refreshed regularly with new filings.
What is the revenue of Generations Bancorp NY Inc (GBNY)?
Generations Bancorp NY Inc reported trailing-twelve-month revenue of about $7.6M (latest available figure, as of Sep 23, 2026).
What growth is priced into Generations Bancorp NY Inc (GBNY)?
For today's price to be fair in a discounted-cash-flow model, Generations Bancorp NY Inc would have to grow free cash flow by +13.5 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +1.4 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of GBNY use?
Our models discount Generations Bancorp NY Inc at 8.5 %: a base by market capitalisation (nano), damped by beta 0.20, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Generations Bancorp NY Inc that is +13.5 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Generations Bancorp NY Inc (GBNY) delivered so far?
Over the past 5 years revenue at Generations Bancorp NY Inc grew +1.4 % a year. The price currently implies +13.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Generations Bancorp NY Inc (GBNY) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Generations Bancorp NY Inc (+13.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Generations Bancorp NY Inc (GBNY)?
The free-cash-flow yield on the price is 4.66 %: that much free cash flow Generations Bancorp NY Inc produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Generations Bancorp NY Inc (GBNY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Generations Bancorp NY Inc it is $23.70 per share (as of Sep 23, 2026), against a price of $16.23. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Generations Bancorp NY Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, GBNY trades below its calculated fair value: price $16.23, fair value $23.70, a gap of about +46% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GBNY?
No. The price is what the market pays today ($16.23); the fair value is what the company's own numbers justify ($23.70). For Generations Bancorp NY Inc the two are $7.47 per share apart. That gap is exactly why we show both numbers side by side.
How much is Generations Bancorp NY Inc worth?
The market values Generations Bancorp NY Inc at about $37.0M (market capitalisation, as of Sep 23, 2026). Per share that is $16.23; our models calculate a fair value of $23.70 per share.
What do the bullish and bearish scenarios say about GBNY?
Our models span a range for Generations Bancorp NY Inc: cautious scenario $18.94, base $23.70, optimistic $28.70 per share (as of Sep 23, 2026, price $16.23). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Generations Bancorp NY Inc (GBNY)?
Balance-sheet figures for Generations Bancorp NY Inc (as of Sep 23, 2026): return on equity −13.1%, debt of 0.52 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is GBNY from its 52-week high?
Generations Bancorp NY Inc trades at $16.23, about 10% below its 52-week high of $17.95 and 11% above the low of $14.68 (as of Sep 14, 2026). Distance from the high says nothing about value: that is what the fair value of $23.70 is for.
Which stocks are comparable to Generations Bancorp NY Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Generations Bancorp NY Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $16.23, calculated fair value $23.70 (+46%), Quality Score 45/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GBNY calculated?
We run Generations Bancorp NY Inc through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $23.70, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Generations Bancorp NY Inc currently trades 46 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Generations Bancorp NY Inc (GBNY)?
The latest price we hold is from Sep 14, 2026 and stands at $16.23. Our model-based fair value is $23.70, about +46% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Generations Bancorp NY Inc right now?
The price is below even our cautious bear case ($18.94). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (45/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Generations Bancorp NY Inc

How large is the market capitalisation of Generations Bancorp NY Inc (GBNY)?
The market capitalisation of Generations Bancorp NY Inc is $37.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Generations Bancorp NY Inc (GBNY)?
The price-to-sales ratio of Generations Bancorp NY Inc is 4.49 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Generations Bancorp NY Inc (GBNY)?
Earnings per share at Generations Bancorp NY Inc are $−2.06. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Generations Bancorp NY Inc (GBNY)?
The net margin of Generations Bancorp NY Inc is −28.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Generations Bancorp NY Inc (GBNY)?
The return on equity (ROE) of Generations Bancorp NY Inc is −13.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Generations Bancorp NY Inc (GBNY)?
On an EBIT basis the return on assets of Generations Bancorp NY Inc is −0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Generations Bancorp NY Inc (GBNY)?
The operating margin of Generations Bancorp NY Inc is −81.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Generations Bancorp NY Inc (GBNY)?
Revenue at Generations Bancorp NY Inc is growing −34.0% versus a year earlier (3y avg +7.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Generations Bancorp NY Inc (GBNY)?
Earnings per share at Generations Bancorp NY Inc are growing −92.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Generations Bancorp NY Inc (GBNY) carry?
The net debt of Generations Bancorp NY Inc is $14.5M (fiscal year 2025, ≈ 8.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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