View Future GrowthGenerations Bancorp NY 과거 순이익 실적과거 기준 점검 0/6Generations Bancorp NY 의 수입은 연평균 -204.7%의 비율로 감소해 온 반면, Banks 산업은 연평균 2.8%의 비율로 증가했습니다. 매출은 연평균 29.1%의 비율로 감소해 왔습니다.핵심 정보-204.72%순이익 성장률-209.67%주당순이익(EPS) 성장률Banks 산업 성장률11.18%매출 성장률-29.10%자기자본이익률-13.49%순이익률-62.43%최근 순이익 업데이트31 Dec 2024최근 과거 실적 업데이트Reported 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.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.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.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.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.모든 업데이트 보기Recent updates공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.분석 기사 • 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...분석 기사 • 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.매출 및 비용 세부 내역Generations Bancorp NY가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이OTCPK:GBNY 매출, 비용 및 순이익 (USD Millions)날짜매출순이익일반관리비연구개발비31 Dec 248-58030 Sep 249-49030 Jun 249-39031 Mar 2410-29031 Dec 2311-29030 Sep 2311-19030 Jun 231208031 Mar 231218031 Dec 221318030 Sep 221328030 Jun 221418031 Mar 221418031 Dec 211418030 Sep 211419030 Jun 211429031 Mar 211429031 Dec 201429030 Sep 201319030 Jun 201319031 Mar 2012011031 Dec 191309030 Sep 191307030 Jun 191305031 Mar 191300031 Dec 181200030 Sep 181200030 Jun 181200031 Mar 181210031 Dec 171110030 Sep 179-10030 Jun 179-10031 Mar 179-10031 Dec 169-10030 Sep 161100030 Jun 161100031 Mar 161100031 Dec 151210030 Sep 151220030 Jun 1513200양질의 수익: GBNY 은(는) 현재 수익성이 없습니다.이익 마진 증가: GBNY는 현재 수익성이 없습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: 지난 5년 동안 GBNY의 연간 수익 성장률이 양(+)이었는지 판단하기에 데이터가 부족합니다.성장 가속화: 현재 수익성이 없어 지난 1년간 GBNY의 수익 성장률을 5년 평균과 비교할 수 없습니다.수익 대 산업: GBNY은 수익성이 없어 지난 해 수익 성장률을 Banks 업계(22.8%)와 비교하기 어렵습니다.자기자본이익률높은 ROE: GBNY는 현재 수익성이 없으므로 자본 수익률이 음수(-13.49%)입니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YBanks 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/24 13:45종가2026/05/20 00:00수익2024/12/31연간 수익2024/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Generations Bancorp NY, Inc.는 0명의 분석가가 다루고 있습니다. 이 중 0명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
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.
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.
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.
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.
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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
분석 기사 • 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...
분석 기사 • 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.