Generations Bancorp NY, Inc. (GBNY)

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Generations Bancorp NY, Inc. (GBNY) is down 16.2% since the beginning of the year. At $15 per share, GBNY is trading 16.2% below its 52-week high of $18. Investors who bought $1,000 worth of GBNY shares 5 years ago would now be looking at an investment worth $1,513.

Generations Bancorp NY, Inc. (GBNY) has returned -16.16% so far this year and -8.79% over the past 12 months.

Based on dividend-adjusted daily data since Jan 13, 2021, GBNY's average daily return is +0.05%, while the average monthly return is +0.89%. At this rate, an investment would double in approximately 6.5 years.

Historically, 55% of months were positive and 45% were negative. The best month was Sep 2024 with a return of +50.7%, while the worst month was Feb 2026 at -17.1%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 4 months.

On a daily basis, GBNY closed higher 32% of trading days. The best single day was Sep 24, 2024 with a return of +43.2%, while the worst single day was Feb 9, 2026 at -15.4%.

Generations Bancorp NY, Inc. has an annualized alpha of 14.26%, beta of -0.01, and R2 of 0.00 versus S&P 500 Index. Calculated based on daily prices since January 14, 2021.

• This stock participated in 41.51% of S&P 500 Index downside but only 40.43% of its upside - more exposed to losses than it benefited from rallies.
• Beta of -0.01 may look defensive, but with R2 of 0.00 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.00 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

GBNY ranks 19 for risk / return — in the bottom 19% of stocks on our site. This means you're taking on significantly more risk than the returns justify. Consider whether the potential upside is worth the volatility, or explore alternatives with better risk / return profiles.

The table below present risk-adjusted performance metrics for Generations Bancorp NY, Inc. (GBNY) and compare them to S&P 500 Index.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Generations Bancorp NY, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Generations Bancorp NY, Inc. was 35.63%, occurring on Oct 13, 2023. Recovery took 237 trading sessions.

The current Generations Bancorp NY, Inc. drawdown is 16.16%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Generations Bancorp NY, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Generations Bancorp NY, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.