Generations Bancorp NY（GBNY）株式概要ジェネレーションズ・バンコープ・ニューヨークはジェネレーションズ・バンクの持株会社として様々な銀行商品やサービスを提供している。 詳細GBNY ファンダメンタル分析スノーフレーク・スコア評価2/6将来の成長0/6過去の実績0/6財務の健全性5/6配当金0/6リスク分析株式の流動性は非常に低い 過去1年間で収益は29.1%減少しました 最新の財務報告は1年以上前のものである 意味のある時価総額がありません ( $33M )すべてのリスクチェックを見るGBNY Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair ValueUS$Current PriceUS$14.9575.8% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-5m14m2016201920222025202620282031Revenue US$7.6mEarnings US$2.4mAdvancedSet Fair ValueView all narrativesGenerations Bancorp NY, Inc. 競合他社Peoples Trust Company of St. AlbansSymbol: OTCPK:PPALMarket cap: US$32.8mSSB BancorpSymbol: OTCPK:SSBPMarket cap: US$35.0mFarmers Bank of AppomattoxSymbol: OTCPK:FBPAMarket cap: US$32.5mPacific West BancorpSymbol: OTCPK:PWBKMarket cap: US$32.5m価格と性能株価の高値、安値、推移の概要Generations Bancorp NY過去の株価現在の株価US$14.9552週高値US$17.9552週安値US$14.68ベータ0.211ヶ月の変化0.91%3ヶ月変化0.98%1年変化-7.45%3年間の変化79.63%5年間の変化50.30%IPOからの変化49.45%最新ニュースお知らせ • Oct 16Generations Bancorp Files Form 15Generations Bancorp NY, Inc. has announced that it has filed a Form 15 with the Securities and Exchange Commission to voluntarily deregister its Common Stock under the Securities Exchange Act of 1934, as amended. The par value of the company's Common Stock was $0.01 per share.お知らせ • Sep 25Generations Bancorp NY to Delist from Nasdaq Effective October 04Generations Bancorp NY, Inc. ("Company") announced its voluntary decision to delist its common stock from The Nasdaq Stock Market LLC ("Nasdaq") and its intent to deregister its common stock with the Securities and Exchange Commission ("SEC"). The Company has notified Nasdaq of its intent to voluntarily delist and withdraw the registration of its common stock with the SEC. The Company intends to file a Form 25 (Notification of Removal from Listing) with the SEC on October 4, 2024, and expects the last trading day of the Company's common stock on Nasdaq will be on October 4, 2024. Following delisting from Nasdaq, the Company expects its common stock will be quoted on the OTCQX Market beginning on October 7, 2024 and expects to retain the symbol "GBNY." The Company also intends to file a Form 15 (Certification and Notice of Termination From Registration) with the SEC on or about October 14, 2024. Upon filing, the Company's obligation to file periodic reports with the SEC, including Forms 10-K, 10-Q and 8-K, will be suspended immediately and will terminate when deregistration becomes effective 90 days after the Form 15 is filed.New Risk • Sep 24New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of American stocks, typically moving 16% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (16% average weekly change). Earnings have declined by 36% per year over the past 5 years. Minor Risk Market cap is less than US$100m (US$24.7m market cap).Reported Earnings • Aug 10Second quarter 2024 earnings released: US$0.39 loss per share (vs US$0.074 loss in 2Q 2023)Second quarter 2024 results: US$0.39 loss per share (further deteriorated from US$0.074 loss in 2Q 2023). Net loss: US$841.0k (loss widened 407% from 2Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 108 percentage points per year, which is a significant difference in performance.Reported Earnings • May 15First quarter 2024 earnings released: US$0.25 loss per share (vs US$0.068 loss in 1Q 2023)First quarter 2024 results: US$0.25 loss per share (further deteriorated from US$0.068 loss in 1Q 2023). Net loss: US$545.0k (loss widened 259% from 1Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 95 percentage points per year, which is a significant difference in performance.お知らせ • Apr 13Generations Bancorp NY, Inc., Annual General Meeting, May 16, 2024Generations Bancorp NY, Inc., Annual General Meeting, May 16, 2024, at 13:00 US Eastern Standard Time. Location: 20 East Bayard Street, Seneca Falls New York United States Agenda: To consider the election of three Directors; to consider the ratification of the appointment of bonadio & co., llp as independent registered public accounting firm for the year ending december 31, 2024; and to consider other matters as may properly come before the annual meeting, or any adjournments thereof.最新情報をもっと見るRecent updatesお知らせ • Oct 16Generations Bancorp Files Form 15Generations Bancorp NY, Inc. has announced that it has filed a Form 15 with the Securities and Exchange Commission to voluntarily deregister its Common Stock under the Securities Exchange Act of 1934, as amended. The par value of the company's Common Stock was $0.01 per share.お知らせ • Sep 25Generations Bancorp NY to Delist from Nasdaq Effective October 04Generations Bancorp NY, Inc. ("Company") announced its voluntary decision to delist its common stock from The Nasdaq Stock Market LLC ("Nasdaq") and its intent to deregister its common stock with the Securities and Exchange Commission ("SEC"). The Company has notified Nasdaq of its intent to voluntarily delist and withdraw the registration of its common stock with the SEC. The Company intends to file a Form 25 (Notification of Removal from Listing) with the SEC on October 4, 2024, and expects the last trading day of the Company's common stock on Nasdaq will be on October 4, 2024. Following delisting from Nasdaq, the Company expects its common stock will be quoted on the OTCQX Market beginning on October 7, 2024 and expects to retain the symbol "GBNY." The Company also intends to file a Form 15 (Certification and Notice of Termination From Registration) with the SEC on or about October 14, 2024. Upon filing, the Company's obligation to file periodic reports with the SEC, including Forms 10-K, 10-Q and 8-K, will be suspended immediately and will terminate when deregistration becomes effective 90 days after the Form 15 is filed.New Risk • Sep 24New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of American stocks, typically moving 16% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (16% average weekly change). Earnings have declined by 36% per year over the past 5 years. Minor Risk Market cap is less than US$100m (US$24.7m market cap).Reported Earnings • Aug 10Second quarter 2024 earnings released: US$0.39 loss per share (vs US$0.074 loss in 2Q 2023)Second quarter 2024 results: US$0.39 loss per share (further deteriorated from US$0.074 loss in 2Q 2023). Net loss: US$841.0k (loss widened 407% from 2Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 108 percentage points per year, which is a significant difference in performance.Reported Earnings • May 15First quarter 2024 earnings released: US$0.25 loss per share (vs US$0.068 loss in 1Q 2023)First quarter 2024 results: US$0.25 loss per share (further deteriorated from US$0.068 loss in 1Q 2023). Net loss: US$545.0k (loss widened 259% from 1Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 95 percentage points per year, which is a significant difference in performance.お知らせ • Apr 13Generations Bancorp NY, Inc., Annual General Meeting, May 16, 2024Generations Bancorp NY, Inc., Annual General Meeting, May 16, 2024, at 13:00 US Eastern Standard Time. Location: 20 East Bayard Street, Seneca Falls New York United States Agenda: To consider the election of three Directors; to consider the ratification of the appointment of bonadio & co., llp as independent registered public accounting firm for the year ending december 31, 2024; and to consider other matters as may properly come before the annual meeting, or any adjournments thereof.Reported Earnings • Apr 02Full year 2023 earnings released: US$0.72 loss per share (vs US$0.47 profit in FY 2022)Full year 2023 results: US$0.72 loss per share (down from US$0.47 profit in FY 2022). Revenue: US$10.8m (down 16% from FY 2022). Net loss: US$1.57m (down 244% from profit in FY 2022). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 76 percentage points per year, which is a significant difference in performance.お知らせ • Dec 06+ 1 more updateGenerations Bancorp NY, Inc. Appoints Angela Krezmer as PresidentGenerations Bancorp NY, Inc. announced the appointment of Angela Krezmer as the new President & CEO, effective November 27, 2023. Ms. Krezmer's appointment marks her as the 13th and first female President & CEO of the Company. Ms. Krezmer, in addition to her role as President & CEO, has been elected to join the board of directors, contributing her valuable insights and leadership to the strategic direction of the bank. Ms. Krezmer, who has been serving as the Chief Financial Officer since 2021 will continue to fulfill her role in this capacity. Ms. Krezmer, served as interim Principal Executive Officer, since October 16, 2023 after the passing of the Company's previous President & CEO, Menzo Case. Ms. Krezmer, succeeding the late Mr. Case, who served in the role for 15 years until his passing in October, is set to bring continuity and innovation to her new role. Prior to joining the Company, Ms. Krezmer served as Chief Financial Officer of Prosper Bank, now known as, Presence Bank in Coatesville, Pennsylvania. Prior to that role, Ms. Krezmer served for more than a decade at Fairport Savings Bank in Fairport, New York where she held various positions including Chief Financial Officer. Ms. Krezmer is a graduate of Rochester Institute of Technology and ABA Stonier School of Banking and has worked in the banking industry since 2008.お知らせ • Dec 01Generations Bancorp NY, Inc. Appoints Angela Krezmer to Board of DirectorsOn November 27, 2023, Generations Bancorp NY, Inc. appointed Angela Krezmer to the Company’s Board of Directors, effective immediately. Ms. Krezmer will serve in the Class of directors which expires at the annual meeting of the Company’s stockholders to occur in 2025. The Company also announced that Ms. Krezmer was appointed President and Chief Executive Officer of the Company and of Generations Bank. Since October 16, 2023, following the death of the Company’s previous President and Chief Executive Officer, Mr. Menzo Case, Ms. Krezmer, age 38, has been serving as the Company’s interim Principal Executive Officer, as well as the Company’s Chief Financial Officer. Since June 2021, Ms. Krezmer has served as the Company’s Chief Financial Officer and she continues to serve in this role. Prior to this appointment, from June 2020 until June 2021, Ms. Krezmer served as Chief Financial Officer of Prosper Bank, Coatesville, Pennsylvania. Prior to that role, Ms. Krezmer served for more than a decade at Fairport Savings Bank, Fairport, New York where she held various positions including Chief Financial Officer.Reported Earnings • Nov 10Third quarter 2023 earnings released: US$0.30 loss per share (vs US$0.13 profit in 3Q 2022)Third quarter 2023 results: US$0.30 loss per share (down from US$0.13 profit in 3Q 2022). Revenue: US$2.28m (down 30% from 3Q 2022). Net loss: US$643.0k (down 314% from profit in 3Q 2022). Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 6% per year, which means it has not declined as severely as earnings.お知らせ • Oct 18Generations Bancorp NY, Inc. and Generations Bank Announces CEO ChangesGenerations Bancorp NY, Inc. and Generations Bank announced demise of Mr. Menzo Case as Chief Executive Officer passed away on October 13, 2023. The Company announced that effective October 16, 2023, Angela Krezmer, the Company’s Chief Financial Officer, has been appointed to serve as the Company’s interim Principal Executive Officer. Ms. Krezmer remains the Company’s Chief Financial Officer. Angela Krezmer, age 38, is the Company’s Chief Financial Officer, a position she has held since June 2021. Prior to this appointment, from June 2020 until June 2021, Ms. Krezmer served as Chief Financial Officer of Prosper Bank, Coatesville, Pennsylvania. Prior to that role, Ms. Krezmer served for more than a decade at Fairport Savings Bank, Fairport, New York where she held various positions including Chief Financial Officer.お知らせ • Oct 17Generations Bancorp NY, Inc. and Generations Bank Announces Demise of Mr. Menzo Case as PresidentGenerations Bancorp NY, Inc. and Generations Bank announced demise of Mr. Menzo Case as President. He passed away on October 13, 2023. He will be greatly missed and the Company and the Bank extend their sincere condolences to Mr. Case’s family. The Company announced that effective October 16, 2023, Angela Krezmer, the Company’s Chief Financial Officer, has been appointed to serve as the Company’s interim Principal Executive Officer. Ms. Krezmer remains the Company’s Chief Financial Officer. Angela Krezmer, age 38, is the Company’s Chief Financial Officer, a position she has held since June 2021. Prior to this appointment, from June 2020 until June 2021, Ms. Krezmer served as Chief Financial Officer of Prosper Bank, Coatesville, Pennsylvania. Prior to that role, Ms. Krezmer served for more than a decade at Fairport Savings Bank, Fairport, New York where she held various positions including Chief Financial Officer.Reported Earnings • Aug 05Second quarter 2023 earnings released: US$0.07 loss per share (vs US$0.15 profit in 2Q 2022)Second quarter 2023 results: US$0.07 loss per share (down from US$0.15 profit in 2Q 2022). Revenue: US$2.86m (down 12% from 2Q 2022). Net loss: US$166.0k (down 148% from profit in 2Q 2022). Over the last 3 years on average, earnings per share has fallen by 22% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings.お知らせ • May 23Generations Bancorp NY, Inc. Appoints Alicia H. Pender as DirectorGenerations Bancorp NY, Inc. at the Annual Meeting of Stockholders on May 18, 2023, elected Alicia H. Pender as director of the Company for a three-year term or until his or her successor is duly elected and qualified.Reported Earnings • May 10First quarter 2023 earnings released: US$0.07 loss per share (vs US$0.17 profit in 1Q 2022)First quarter 2023 results: US$0.07 loss per share (down from US$0.17 profit in 1Q 2022). Revenue: US$2.94m (down 13% from 1Q 2022). Net loss: US$152.0k (down 138% from profit in 1Q 2022). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.Valuation Update With 7 Day Price Move • May 03Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to US$8.25, the stock trades at a trailing P/E ratio of 17.8x. Average trailing P/E is 8x in the Banks industry in the US. Total loss to shareholders of 13% over the past three years.Board Change • Apr 20Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 6 highly experienced directors. Independent Director James Gardner was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Mar 27Full year 2022 earnings released: EPS: US$0.47 (vs US$0.60 in FY 2021)Full year 2022 results: EPS: US$0.47 (down from US$0.60 in FY 2021). Revenue: US$12.9m (down 8.9% from FY 2021). Net income: US$1.09m (down 23% from FY 2021). Profit margin: 8.5% (down from 10.0% in FY 2021). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.42% (down from 3.55% in FY 2021). Non-performing loans: 1.51% (up from 1.23% in FY 2021). Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.Board Change • Nov 16Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 5 highly experienced directors. Independent Director James Gardner was the last director to join the board, commencing their role in 2018. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.Reported Earnings • Nov 06Third quarter 2022 earnings released: EPS: US$0.13 (vs US$0.074 in 3Q 2021)Third quarter 2022 results: EPS: US$0.13 (up from US$0.074 in 3Q 2021). Revenue: US$3.24m (down 12% from 3Q 2021). Net income: US$300.0k (up 73% from 3Q 2021). Profit margin: 9.3% (up from 4.7% in 3Q 2021). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 40% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Reported Earnings • Aug 06Second quarter 2022 earnings released: EPS: US$0.15 (vs US$0.16 in 2Q 2021)Second quarter 2022 results: EPS: US$0.15 (down from US$0.16 in 2Q 2021). Revenue: US$3.24m (down 7.8% from 2Q 2021). Net income: US$345.0k (down 6.5% from 2Q 2021). Profit margin: 11% (in line with 2Q 2021). Over the last 3 years on average, earnings per share has increased by 55% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Reported Earnings • May 07First quarter 2022 earnings released: EPS: US$0.17 (vs US$0.15 in 1Q 2021)First quarter 2022 results: EPS: US$0.17 (up from US$0.15 in 1Q 2021). Revenue: US$3.36m (up 1.2% from 1Q 2021). Net income: US$396.0k (up 12% from 1Q 2021). Profit margin: 12% (up from 11% in 1Q 2021). Over the last 3 years on average, earnings per share has increased by 69% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 5 highly experienced directors. Independent Director James Gardner was the last director to join the board, commencing their role in 2018. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.お知らせ • Apr 15Generations Bancorp NY, Inc., Annual General Meeting, May 19, 2022Generations Bancorp NY, Inc., Annual General Meeting, May 19, 2022, at 13:00 US Eastern Standard Time. Location: 20 East Bayard Street, Seneca Falls New York United States Agenda: To consider the election of three Directors; to consider the ratification of the appointment of Bonadio & Co., LLP as independent registered public accounting firm for the year ending December 31, 2022; to consider the approval of the Generations Bancorp 2022 Equity Incentive Plan; and to consider other matters.Reported Earnings • Mar 29Full year 2021 earnings released: EPS: US$0.60 (vs US$0.71 in FY 2020)Full year 2021 results: EPS: US$0.60 (down from US$0.71 in FY 2020). Revenue: US$14.1m (up 1.0% from FY 2020). Net income: US$1.41m (down 19% from FY 2020). Profit margin: 10.0% (down from 13% in FY 2020). Over the last 3 years on average, earnings per share has increased by 84% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Reported Earnings • Nov 07Third quarter 2021 earnings released: EPS US$0.07 (vs US$0.26 in 3Q 2020)The company reported a poor third quarter result with weaker earnings and profit margins, although revenues were flat. Third quarter 2021 results: Revenue: US$3.67m (flat on 3Q 2020). Net income: US$173.0k (down 73% from 3Q 2020). Profit margin: 4.7% (down from 18% in 3Q 2020). Over the last 3 years on average, earnings per share has increased by 99% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.Seeking Alpha • Aug 24Generations Bancorp: Trading Below Liquidation Value And Our Favorite Activist On-BoardAlthough profitable, GBNY trades at ~60% of tangible book value, one of the least expensive opportunities in our coverage universe. Company maintains substantial liquidity, a key factor in driving shareholder value, as it provides the wherewithal to pay dividends, repurchase shares, and ramp loan growth. With activist bank investor Joseph Stilwell, who owns just below 10% of the company, on-board, we are confident management will maximize shareholder value. Although there are no guarantees in the equity market, we view GBNY as a low downside holding, which conservatively offers 35% appreciation over the next 12 months.Reported Earnings • Aug 09Second quarter 2021 earnings released: EPS US$0.16 (vs US$0.28 in 2Q 2020)The company reported a poor second quarter result with weaker earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$3.51m (down 1.2% from 2Q 2020). Net income: US$369.0k (down 46% from 2Q 2020). Profit margin: 11% (down from 19% in 2Q 2020). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 100% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.分析記事 • May 14Here's Why Generations Bancorp NY, Inc.'s (NASDAQ:GBNY) CEO Compensation Is The Least Of Shareholders ConcernsPerformance at Generations Bancorp NY, Inc. ( NASDAQ:GBNY ) has been rather uninspiring recently and shareholders may...分析記事 • Apr 12Do Generations Bancorp NY's (NASDAQ:GBNY) Earnings Warrant Your Attention?It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...Is New 90 Day High Low • Feb 13New 90-day low: US$9.48The company is down 3.0% from its price of US$9.80 on 11 November 2020. The American market is up 15% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 4.0% over the same period.株主還元GBNYUS BanksUS 市場7D0.2%3.2%1.0%1Y-7.4%22.4%28.7%株主還元を見る業界別リターン: GBNY過去 1 年間で22.4 % の収益を上げたUS Banks業界を下回りました。リターン対市場: GBNYは、過去 1 年間で28.7 % のリターンを上げたUS市場を下回りました。価格変動Is GBNY's price volatile compared to industry and market?GBNY volatilityGBNY Average Weekly Movementn/aBanks Industry Average Movement3.5%Market Average Movement7.2%10% most volatile stocks in US Market16.4%10% least volatile stocks in US Market3.1%安定した株価: GBNYの株価は、 US市場と比較して過去 3 か月間で変動しています。時間の経過による変動: 過去 1 年間のGBNYのボラティリティの変化を判断するには データが不十分です。会社概要設立従業員CEO（最高経営責任者ウェブサイト1870n/aAngela Krezmerwww.mygenbank.comジェネレーションズ・バンコープ・ニューヨークはジェネレーションズ・バンクの持株会社で、様々な銀行商品やサービスを提供している。デマンド口座、NOW口座、マネーマーケット口座、貯蓄口座、譲渡性預金口座など、様々な預金口座を受け付けている。同社は、ホーム・エクイティ・ローンやクレジット・ラインを含む1～4世帯住宅用不動産ローン、学生ローン、自動車ローン、レクリエーショナル・ビークル・ローン、製造住宅ローン、その他消費者ローン、商業用不動産ローン、複合住宅ローン、消費者向けビジネスローン、住宅ローン、商業用建設ローンを提供している。さらに、米国北東部の州、自治体、学校が発行する社債や地方債、米国政府系機関が発行する住宅ローン担保証券、連邦住宅貸付銀行株式などの証券への投資、保険やその他の金融商品の提供も行っている。ニューヨーク州セネカ・フォールズに本店を置き、オーバーン、ファーミントン、ジュネーブ、メディナ、フェルプス、ユニオン・スプリングス、ウォータールーに8支店と1ドライブスルー施設を展開している。同社は1870年に設立され、ニューヨーク州セネカ・フォールズに本社を置いている。もっと見るGenerations Bancorp NY, Inc. 基礎のまとめGenerations Bancorp NY の収益と売上を時価総額と比較するとどうか。GBNY 基礎統計学時価総額US$33.09m収益（TTM）-US$4.77m売上高(TTM)US$7.65m0.9xPBR（株価純資産倍率4.3xP/SレシオGBNY は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計GBNY 損益計算書（TTM）収益US$7.65m売上原価US$0売上総利益US$7.65mその他の費用US$12.42m収益-US$4.77m直近の収益報告Dec 31, 2024次回決算日該当なし一株当たり利益（EPS）-2.16グロス・マージン100.00%純利益率-62.43%有利子負債／自己資本比率56.2%GBNY の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/23 16:03終値2026/05/20 00:00収益2024/12/31年間収益2024/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Generations Bancorp NY, Inc. 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
お知らせ • Oct 16Generations Bancorp Files Form 15Generations Bancorp NY, Inc. has announced that it has filed a Form 15 with the Securities and Exchange Commission to voluntarily deregister its Common Stock under the Securities Exchange Act of 1934, as amended. The par value of the company's Common Stock was $0.01 per share.
お知らせ • Sep 25Generations Bancorp NY to Delist from Nasdaq Effective October 04Generations Bancorp NY, Inc. ("Company") announced its voluntary decision to delist its common stock from The Nasdaq Stock Market LLC ("Nasdaq") and its intent to deregister its common stock with the Securities and Exchange Commission ("SEC"). The Company has notified Nasdaq of its intent to voluntarily delist and withdraw the registration of its common stock with the SEC. The Company intends to file a Form 25 (Notification of Removal from Listing) with the SEC on October 4, 2024, and expects the last trading day of the Company's common stock on Nasdaq will be on October 4, 2024. Following delisting from Nasdaq, the Company expects its common stock will be quoted on the OTCQX Market beginning on October 7, 2024 and expects to retain the symbol "GBNY." The Company also intends to file a Form 15 (Certification and Notice of Termination From Registration) with the SEC on or about October 14, 2024. Upon filing, the Company's obligation to file periodic reports with the SEC, including Forms 10-K, 10-Q and 8-K, will be suspended immediately and will terminate when deregistration becomes effective 90 days after the Form 15 is filed.
New Risk • Sep 24New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of American stocks, typically moving 16% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (16% average weekly change). Earnings have declined by 36% per year over the past 5 years. Minor Risk Market cap is less than US$100m (US$24.7m market cap).
Reported Earnings • Aug 10Second quarter 2024 earnings released: US$0.39 loss per share (vs US$0.074 loss in 2Q 2023)Second quarter 2024 results: US$0.39 loss per share (further deteriorated from US$0.074 loss in 2Q 2023). Net loss: US$841.0k (loss widened 407% from 2Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 108 percentage points per year, which is a significant difference in performance.
Reported Earnings • May 15First quarter 2024 earnings released: US$0.25 loss per share (vs US$0.068 loss in 1Q 2023)First quarter 2024 results: US$0.25 loss per share (further deteriorated from US$0.068 loss in 1Q 2023). Net loss: US$545.0k (loss widened 259% from 1Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 95 percentage points per year, which is a significant difference in performance.
お知らせ • Apr 13Generations Bancorp NY, Inc., Annual General Meeting, May 16, 2024Generations Bancorp NY, Inc., Annual General Meeting, May 16, 2024, at 13:00 US Eastern Standard Time. Location: 20 East Bayard Street, Seneca Falls New York United States Agenda: To consider the election of three Directors; to consider the ratification of the appointment of bonadio & co., llp as independent registered public accounting firm for the year ending december 31, 2024; and to consider other matters as may properly come before the annual meeting, or any adjournments thereof.
お知らせ • Oct 16Generations Bancorp Files Form 15Generations Bancorp NY, Inc. has announced that it has filed a Form 15 with the Securities and Exchange Commission to voluntarily deregister its Common Stock under the Securities Exchange Act of 1934, as amended. The par value of the company's Common Stock was $0.01 per share.
お知らせ • Sep 25Generations Bancorp NY to Delist from Nasdaq Effective October 04Generations Bancorp NY, Inc. ("Company") announced its voluntary decision to delist its common stock from The Nasdaq Stock Market LLC ("Nasdaq") and its intent to deregister its common stock with the Securities and Exchange Commission ("SEC"). The Company has notified Nasdaq of its intent to voluntarily delist and withdraw the registration of its common stock with the SEC. The Company intends to file a Form 25 (Notification of Removal from Listing) with the SEC on October 4, 2024, and expects the last trading day of the Company's common stock on Nasdaq will be on October 4, 2024. Following delisting from Nasdaq, the Company expects its common stock will be quoted on the OTCQX Market beginning on October 7, 2024 and expects to retain the symbol "GBNY." The Company also intends to file a Form 15 (Certification and Notice of Termination From Registration) with the SEC on or about October 14, 2024. Upon filing, the Company's obligation to file periodic reports with the SEC, including Forms 10-K, 10-Q and 8-K, will be suspended immediately and will terminate when deregistration becomes effective 90 days after the Form 15 is filed.
New Risk • Sep 24New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of American stocks, typically moving 16% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (16% average weekly change). Earnings have declined by 36% per year over the past 5 years. Minor Risk Market cap is less than US$100m (US$24.7m market cap).
Reported Earnings • Aug 10Second quarter 2024 earnings released: US$0.39 loss per share (vs US$0.074 loss in 2Q 2023)Second quarter 2024 results: US$0.39 loss per share (further deteriorated from US$0.074 loss in 2Q 2023). Net loss: US$841.0k (loss widened 407% from 2Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 108 percentage points per year, which is a significant difference in performance.
Reported Earnings • May 15First quarter 2024 earnings released: US$0.25 loss per share (vs US$0.068 loss in 1Q 2023)First quarter 2024 results: US$0.25 loss per share (further deteriorated from US$0.068 loss in 1Q 2023). Net loss: US$545.0k (loss widened 259% from 1Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 95 percentage points per year, which is a significant difference in performance.
お知らせ • Apr 13Generations Bancorp NY, Inc., Annual General Meeting, May 16, 2024Generations Bancorp NY, Inc., Annual General Meeting, May 16, 2024, at 13:00 US Eastern Standard Time. Location: 20 East Bayard Street, Seneca Falls New York United States Agenda: To consider the election of three Directors; to consider the ratification of the appointment of bonadio & co., llp as independent registered public accounting firm for the year ending december 31, 2024; and to consider other matters as may properly come before the annual meeting, or any adjournments thereof.
Reported Earnings • Apr 02Full year 2023 earnings released: US$0.72 loss per share (vs US$0.47 profit in FY 2022)Full year 2023 results: US$0.72 loss per share (down from US$0.47 profit in FY 2022). Revenue: US$10.8m (down 16% from FY 2022). Net loss: US$1.57m (down 244% from profit in FY 2022). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 76 percentage points per year, which is a significant difference in performance.
お知らせ • Dec 06+ 1 more updateGenerations Bancorp NY, Inc. Appoints Angela Krezmer as PresidentGenerations Bancorp NY, Inc. announced the appointment of Angela Krezmer as the new President & CEO, effective November 27, 2023. Ms. Krezmer's appointment marks her as the 13th and first female President & CEO of the Company. Ms. Krezmer, in addition to her role as President & CEO, has been elected to join the board of directors, contributing her valuable insights and leadership to the strategic direction of the bank. Ms. Krezmer, who has been serving as the Chief Financial Officer since 2021 will continue to fulfill her role in this capacity. Ms. Krezmer, served as interim Principal Executive Officer, since October 16, 2023 after the passing of the Company's previous President & CEO, Menzo Case. Ms. Krezmer, succeeding the late Mr. Case, who served in the role for 15 years until his passing in October, is set to bring continuity and innovation to her new role. Prior to joining the Company, Ms. Krezmer served as Chief Financial Officer of Prosper Bank, now known as, Presence Bank in Coatesville, Pennsylvania. Prior to that role, Ms. Krezmer served for more than a decade at Fairport Savings Bank in Fairport, New York where she held various positions including Chief Financial Officer. Ms. Krezmer is a graduate of Rochester Institute of Technology and ABA Stonier School of Banking and has worked in the banking industry since 2008.
お知らせ • Dec 01Generations Bancorp NY, Inc. Appoints Angela Krezmer to Board of DirectorsOn November 27, 2023, Generations Bancorp NY, Inc. appointed Angela Krezmer to the Company’s Board of Directors, effective immediately. Ms. Krezmer will serve in the Class of directors which expires at the annual meeting of the Company’s stockholders to occur in 2025. The Company also announced that Ms. Krezmer was appointed President and Chief Executive Officer of the Company and of Generations Bank. Since October 16, 2023, following the death of the Company’s previous President and Chief Executive Officer, Mr. Menzo Case, Ms. Krezmer, age 38, has been serving as the Company’s interim Principal Executive Officer, as well as the Company’s Chief Financial Officer. Since June 2021, Ms. Krezmer has served as the Company’s Chief Financial Officer and she continues to serve in this role. Prior to this appointment, from June 2020 until June 2021, Ms. Krezmer served as Chief Financial Officer of Prosper Bank, Coatesville, Pennsylvania. Prior to that role, Ms. Krezmer served for more than a decade at Fairport Savings Bank, Fairport, New York where she held various positions including Chief Financial Officer.
Reported Earnings • Nov 10Third quarter 2023 earnings released: US$0.30 loss per share (vs US$0.13 profit in 3Q 2022)Third quarter 2023 results: US$0.30 loss per share (down from US$0.13 profit in 3Q 2022). Revenue: US$2.28m (down 30% from 3Q 2022). Net loss: US$643.0k (down 314% from profit in 3Q 2022). Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 6% per year, which means it has not declined as severely as earnings.
お知らせ • Oct 18Generations Bancorp NY, Inc. and Generations Bank Announces CEO ChangesGenerations Bancorp NY, Inc. and Generations Bank announced demise of Mr. Menzo Case as Chief Executive Officer passed away on October 13, 2023. The Company announced that effective October 16, 2023, Angela Krezmer, the Company’s Chief Financial Officer, has been appointed to serve as the Company’s interim Principal Executive Officer. Ms. Krezmer remains the Company’s Chief Financial Officer. Angela Krezmer, age 38, is the Company’s Chief Financial Officer, a position she has held since June 2021. Prior to this appointment, from June 2020 until June 2021, Ms. Krezmer served as Chief Financial Officer of Prosper Bank, Coatesville, Pennsylvania. Prior to that role, Ms. Krezmer served for more than a decade at Fairport Savings Bank, Fairport, New York where she held various positions including Chief Financial Officer.
お知らせ • Oct 17Generations Bancorp NY, Inc. and Generations Bank Announces Demise of Mr. Menzo Case as PresidentGenerations Bancorp NY, Inc. and Generations Bank announced demise of Mr. Menzo Case as President. He passed away on October 13, 2023. He will be greatly missed and the Company and the Bank extend their sincere condolences to Mr. Case’s family. The Company announced that effective October 16, 2023, Angela Krezmer, the Company’s Chief Financial Officer, has been appointed to serve as the Company’s interim Principal Executive Officer. Ms. Krezmer remains the Company’s Chief Financial Officer. Angela Krezmer, age 38, is the Company’s Chief Financial Officer, a position she has held since June 2021. Prior to this appointment, from June 2020 until June 2021, Ms. Krezmer served as Chief Financial Officer of Prosper Bank, Coatesville, Pennsylvania. Prior to that role, Ms. Krezmer served for more than a decade at Fairport Savings Bank, Fairport, New York where she held various positions including Chief Financial Officer.
Reported Earnings • Aug 05Second quarter 2023 earnings released: US$0.07 loss per share (vs US$0.15 profit in 2Q 2022)Second quarter 2023 results: US$0.07 loss per share (down from US$0.15 profit in 2Q 2022). Revenue: US$2.86m (down 12% from 2Q 2022). Net loss: US$166.0k (down 148% from profit in 2Q 2022). Over the last 3 years on average, earnings per share has fallen by 22% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings.
お知らせ • May 23Generations Bancorp NY, Inc. Appoints Alicia H. Pender as DirectorGenerations Bancorp NY, Inc. at the Annual Meeting of Stockholders on May 18, 2023, elected Alicia H. Pender as director of the Company for a three-year term or until his or her successor is duly elected and qualified.
Reported Earnings • May 10First quarter 2023 earnings released: US$0.07 loss per share (vs US$0.17 profit in 1Q 2022)First quarter 2023 results: US$0.07 loss per share (down from US$0.17 profit in 1Q 2022). Revenue: US$2.94m (down 13% from 1Q 2022). Net loss: US$152.0k (down 138% from profit in 1Q 2022). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
Valuation Update With 7 Day Price Move • May 03Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to US$8.25, the stock trades at a trailing P/E ratio of 17.8x. Average trailing P/E is 8x in the Banks industry in the US. Total loss to shareholders of 13% over the past three years.
Board Change • Apr 20Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 6 highly experienced directors. Independent Director James Gardner was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Mar 27Full year 2022 earnings released: EPS: US$0.47 (vs US$0.60 in FY 2021)Full year 2022 results: EPS: US$0.47 (down from US$0.60 in FY 2021). Revenue: US$12.9m (down 8.9% from FY 2021). Net income: US$1.09m (down 23% from FY 2021). Profit margin: 8.5% (down from 10.0% in FY 2021). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.42% (down from 3.55% in FY 2021). Non-performing loans: 1.51% (up from 1.23% in FY 2021). Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
Board Change • Nov 16Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 5 highly experienced directors. Independent Director James Gardner was the last director to join the board, commencing their role in 2018. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
Reported Earnings • Nov 06Third quarter 2022 earnings released: EPS: US$0.13 (vs US$0.074 in 3Q 2021)Third quarter 2022 results: EPS: US$0.13 (up from US$0.074 in 3Q 2021). Revenue: US$3.24m (down 12% from 3Q 2021). Net income: US$300.0k (up 73% from 3Q 2021). Profit margin: 9.3% (up from 4.7% in 3Q 2021). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 40% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Aug 06Second quarter 2022 earnings released: EPS: US$0.15 (vs US$0.16 in 2Q 2021)Second quarter 2022 results: EPS: US$0.15 (down from US$0.16 in 2Q 2021). Revenue: US$3.24m (down 7.8% from 2Q 2021). Net income: US$345.0k (down 6.5% from 2Q 2021). Profit margin: 11% (in line with 2Q 2021). Over the last 3 years on average, earnings per share has increased by 55% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Reported Earnings • May 07First quarter 2022 earnings released: EPS: US$0.17 (vs US$0.15 in 1Q 2021)First quarter 2022 results: EPS: US$0.17 (up from US$0.15 in 1Q 2021). Revenue: US$3.36m (up 1.2% from 1Q 2021). Net income: US$396.0k (up 12% from 1Q 2021). Profit margin: 12% (up from 11% in 1Q 2021). Over the last 3 years on average, earnings per share has increased by 69% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 5 highly experienced directors. Independent Director James Gardner was the last director to join the board, commencing their role in 2018. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
お知らせ • Apr 15Generations Bancorp NY, Inc., Annual General Meeting, May 19, 2022Generations Bancorp NY, Inc., Annual General Meeting, May 19, 2022, at 13:00 US Eastern Standard Time. Location: 20 East Bayard Street, Seneca Falls New York United States Agenda: To consider the election of three Directors; to consider the ratification of the appointment of Bonadio & Co., LLP as independent registered public accounting firm for the year ending December 31, 2022; to consider the approval of the Generations Bancorp 2022 Equity Incentive Plan; and to consider other matters.
Reported Earnings • Mar 29Full year 2021 earnings released: EPS: US$0.60 (vs US$0.71 in FY 2020)Full year 2021 results: EPS: US$0.60 (down from US$0.71 in FY 2020). Revenue: US$14.1m (up 1.0% from FY 2020). Net income: US$1.41m (down 19% from FY 2020). Profit margin: 10.0% (down from 13% in FY 2020). Over the last 3 years on average, earnings per share has increased by 84% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Nov 07Third quarter 2021 earnings released: EPS US$0.07 (vs US$0.26 in 3Q 2020)The company reported a poor third quarter result with weaker earnings and profit margins, although revenues were flat. Third quarter 2021 results: Revenue: US$3.67m (flat on 3Q 2020). Net income: US$173.0k (down 73% from 3Q 2020). Profit margin: 4.7% (down from 18% in 3Q 2020). Over the last 3 years on average, earnings per share has increased by 99% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
Seeking Alpha • Aug 24Generations Bancorp: Trading Below Liquidation Value And Our Favorite Activist On-BoardAlthough profitable, GBNY trades at ~60% of tangible book value, one of the least expensive opportunities in our coverage universe. Company maintains substantial liquidity, a key factor in driving shareholder value, as it provides the wherewithal to pay dividends, repurchase shares, and ramp loan growth. With activist bank investor Joseph Stilwell, who owns just below 10% of the company, on-board, we are confident management will maximize shareholder value. Although there are no guarantees in the equity market, we view GBNY as a low downside holding, which conservatively offers 35% appreciation over the next 12 months.
Reported Earnings • Aug 09Second quarter 2021 earnings released: EPS US$0.16 (vs US$0.28 in 2Q 2020)The company reported a poor second quarter result with weaker earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$3.51m (down 1.2% from 2Q 2020). Net income: US$369.0k (down 46% from 2Q 2020). Profit margin: 11% (down from 19% in 2Q 2020). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 100% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
分析記事 • May 14Here's Why Generations Bancorp NY, Inc.'s (NASDAQ:GBNY) CEO Compensation Is The Least Of Shareholders ConcernsPerformance at Generations Bancorp NY, Inc. ( NASDAQ:GBNY ) has been rather uninspiring recently and shareholders may...
分析記事 • Apr 12Do Generations Bancorp NY's (NASDAQ:GBNY) Earnings Warrant Your Attention?It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
Is New 90 Day High Low • Feb 13New 90-day low: US$9.48The company is down 3.0% from its price of US$9.80 on 11 November 2020. The American market is up 15% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 4.0% over the same period.
