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Generations Bancorp NY, Inc. (GBNY)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US37149G1085

CUSIP

37149G108

IPO Date

Jan 13, 2021

Highlights

Market Cap

$36.46M

EPS (TTM)

-$1.23

Total Revenue (TTM)

$1.83M

Gross Profit (TTM)

$1.83M

EBITDA (TTM)

-$1.10M

Year Range

$9.91 - $16.70

Short %

0.83%

Short Ratio

0.53

Share Price Chart


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Generations Bancorp NY, Inc.

Performance

Performance Chart


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S&P 500

Returns By Period

Generations Bancorp NY, Inc. (GBNY) returned 6.55% year-to-date (YTD) and 61.05% over the past 12 months.


GBNY

YTD

6.55%

1M

-1.90%

6M

4.47%

1Y

61.05%

3Y*

11.04%

5Y*

N/A

10Y*

N/A

^GSPC (Benchmark)

YTD

0.51%

1M

6.15%

6M

-2.00%

1Y

12.92%

3Y*

12.68%

5Y*

14.19%

10Y*

10.85%

*Annualized

Monthly Returns

The table below presents the monthly returns of GBNY, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20250.13%1.52%7.49%-0.61%-1.90%6.55%
20249.57%-4.59%-5.57%2.15%-3.08%3.43%0.98%0.97%50.72%-6.67%4.76%-1.95%48.92%
20232.13%-0.45%-7.10%-3.74%-15.37%9.15%7.94%-7.56%-6.52%-0.12%0.59%19.29%-6.11%
2022-0.70%1.25%-1.34%-3.30%2.80%-2.98%-1.36%-2.09%0.36%-1.54%-0.28%-0.46%-9.36%
2021-2.58%-0.31%1.22%-0.30%0.55%1.57%2.97%4.04%5.82%0.87%0.78%2.36%18.09%
Go deeper with the Portfolio Analysis tool — backtest performance, assess risk, compare to benchmarks, and more

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 94, GBNY is among the top 6% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of GBNY is 9494
Overall Rank
The Sharpe Ratio Rank of GBNY is 8686
Sharpe Ratio Rank
The Sortino Ratio Rank of GBNY is 9595
Sortino Ratio Rank
The Omega Ratio Rank of GBNY is 9797
Omega Ratio Rank
The Calmar Ratio Rank of GBNY is 9595
Calmar Ratio Rank
The Martin Ratio Rank of GBNY is 9898
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for Generations Bancorp NY, Inc. (GBNY) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

Generations Bancorp NY, Inc. Sharpe ratios as of May 31, 2025 (values are recalculated daily):

  • 1-Year: 1.24
  • All Time: 0.30

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

The chart below shows the rolling Sharpe ratio of Generations Bancorp NY, Inc. compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.


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Go to the full Sharpe Ratio tool to analyze any stock or portfolio. Customize time frames, set your own risk-free rate, and more

Dividends

Dividend History


Generations Bancorp NY, Inc. doesn't pay dividends

Drawdowns

Drawdowns Chart

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.


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Worst Drawdowns

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 2.49%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-35.63%Dec 16, 2021459Oct 13, 2023237Sep 24, 2024696
-7.62%Oct 1, 202420Oct 28, 2024100Mar 25, 2025120
-6.54%Jan 14, 202124Feb 18, 202117Mar 15, 202141
-5.44%Oct 14, 202114Nov 2, 202130Dec 15, 202144
-4.85%Apr 3, 202511Apr 17, 2025
Go to the full Drawdowns tool for more analysis options, including inflation-adjusted drawdowns, and more

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

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.


Annual
Quarterly

0.0

Earnings Per Share

The chart presents the Earnings Per Share (EPS) performance of Generations Bancorp NY, Inc., comparing actual results with analytics estimates.


-0.40-0.30-0.20-0.100.000.100.200.30AprilJulyOctober2021AprilJulyOctober2022AprilJulyOctober2023AprilJulyOctober2024April
-0.39
0
Actual
Estimate

Valuation

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.


PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for GBNY relative to other companies in the Banks - Regional industry. Currently, GBNY has a P/S ratio of 4.8. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for GBNY in comparison with other companies in the Banks - Regional industry. Currently, GBNY has a P/B value of 1.0. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items