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1. Company Snapshot

1.a. Company Description

Generations Bancorp NY, Inc.operates as a holding company for Generations Bank that provides various banking products and services.The company accepts various deposit accounts, including demand, NOW, money market, savings, and certificates of deposit accounts.


It also provides one- to four-family residential real estate, commercial real estate and multi-family, consumer business, manufactured home, automobile, student, recreational vehicle, construction, and other consumer loans, as well as home equity loans and lines of credit.In addition, it invests in securities, including corporate and municipal bonds issued by states, local municipalities, and schools in the northeastern United States; and mortgage-backed securities issued by the U.S. government sponsored entities and Federal Home Loan Bank stock, as well as offers insurance and other financial products.It operates through primary office in Seneca Falls, New York; and eight full-service branch offices and one drive-through facility located in Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, New York.


The company was founded in 1870 and is headquartered in Seneca Falls, New York.

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1.b. Last Insights on GBNY

Generations Bancorp NY, Inc.'s recent performance was driven by its strategic decision to voluntarily delist from the Nasdaq Stock Market and deregister with the SEC. This move is expected to reduce regulatory compliance costs and allow the company to focus on its core banking operations. Additionally, the company's announcement of its intention to delist and deregister suggests a commitment to simplifying its corporate structure and reducing administrative burdens, which could lead to increased efficiency and profitability in the long term.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Generations Bancorp NY, Inc. Announces Voluntary Nasdaq Delisting and SEC Deregistration

Sep -24

Source: prnewswire.com

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GENERATIONS BANCORP NY, INC. APPOINTS ANGELA KREZMER AS PRESIDENT & CEO

Dec -05

Source: prnewswire.com

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3 Under-the-Radar Stocks Insiders Are Loading Up On Before They Skyrocket

Jun -16

Source: InvestorPlace

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Generations Bancorp: Trading Below Liquidation Value And Our Favorite Activist On-Board

Aug -24

Source: Seeking Alpha

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Generations Bancorp NY, Inc. Announces Planned Retirement of Kenneth Winn, SVP of Credit Administration

Aug -20

Source: PRNewsWire

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Community Banking

Expected Growth: 4.5%

Growing demand for personalized banking services, increasing need for financial inclusion, and expanding presence in local communities drive growth in community banking.

Municipal Banking

Expected Growth: 4.5%

Growing demand for customized banking services and expert guidance among local governments, schools, and non-profit organizations drives the growth of Municipal Banking from Generations Bancorp NY, Inc. Increasing investments in infrastructure development and rising need for efficient financial management also contribute to the segment's growth.

Insurance

Expected Growth: 4.5%

Growing demand for personalized financial protection solutions, increasing awareness of insurance benefits, and expanding middle-class population are driving the growth of the insurance segment.

7. Detailed Products

Commercial Loans

Generations Bancorp NY, Inc. offers commercial loans to businesses of all sizes, providing financing for various purposes such as expansion, equipment purchases, and working capital.

Mortgage Loans

The company offers a range of mortgage loan options, including fixed-rate and adjustable-rate loans, to help individuals and families purchase or refinance their homes.

Consumer Loans

Generations Bancorp NY, Inc. provides consumer loans for various personal expenses, such as debt consolidation, home improvements, and unexpected expenses.

Deposit Accounts

The company offers a range of deposit accounts, including checking, savings, and certificates of deposit (CDs), to help individuals and businesses manage their finances.

Treasury Management Services

Generations Bancorp NY, Inc. offers treasury management services, including cash management, wire transfers, and account reconciliation, to help businesses optimize their cash flow.

Investment Services

The company offers investment services, including brokerage services and investment advice, to help individuals and businesses achieve their long-term financial goals.

8. Generations Bancorp NY, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Generations Bancorp NY, Inc. is medium due to the presence of alternative banking services and financial institutions.

Bargaining Power Of Customers

The bargaining power of customers for Generations Bancorp NY, Inc. is low due to the lack of concentration of buyers and the availability of multiple banking options.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Generations Bancorp NY, Inc. is medium due to the presence of multiple suppliers and the moderate level of dependence on them.

Threat Of New Entrants

The threat of new entrants for Generations Bancorp NY, Inc. is high due to the relatively low barriers to entry and the attractiveness of the banking industry.

Intensity Of Rivalry

The intensity of rivalry for Generations Bancorp NY, Inc. is high due to the presence of multiple competitors and the high level of competition in the banking industry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 38.48%
Debt Cost 5.80%
Equity Weight 61.52%
Equity Cost 5.80%
WACC 5.80%
Leverage 62.54%

11. Quality Control: Generations Bancorp NY, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Shore Bancshares

A-Score: 6.6/10

Value: 7.4

Growth: 6.2

Quality: 6.3

Yield: 5.0

Momentum: 7.0

Volatility: 7.7

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First Seacoast Bank

A-Score: 5.6/10

Value: 8.6

Growth: 2.0

Quality: 4.5

Yield: 0.0

Momentum: 9.0

Volatility: 9.7

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Southern First

A-Score: 5.1/10

Value: 5.7

Growth: 5.2

Quality: 5.2

Yield: 0.0

Momentum: 8.0

Volatility: 6.3

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ECB Bancorp

A-Score: 4.9/10

Value: 4.0

Growth: 7.0

Quality: 3.2

Yield: 0.0

Momentum: 6.5

Volatility: 9.0

1-Year Total Return ->

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Generations Bancorp NY

A-Score: 4.8/10

Value: 7.0

Growth: 2.3

Quality: 3.8

Yield: 0.0

Momentum: 8.0

Volatility: 8.0

1-Year Total Return ->

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Blue Foundry Bank

A-Score: 4.7/10

Value: 8.8

Growth: 5.1

Quality: 4.6

Yield: 0.0

Momentum: 2.5

Volatility: 7.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

17.78$

Current Price

17.78$

Potential

-0.00%

Expected Cash-Flows