Company Analysis Generations Bancorp NY, Inc.
1. Summary
Advantages
- The stock's return over the last year (61.54%) is higher than the sector average (-44.24%).
- Current debt level 6.35% is below 100% and has decreased over 5 years from 9.27%.
Disadvantages
- Price (15.9 $) is higher than fair price (15.07 $)
- Dividends (0%) are below the sector average (1.75%).
- The company's current efficiency (ROE=-4.16%) is lower than the sector average (ROE=6.48%)
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Generations Bancorp NY, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | 4.3% | -1.9% | -1.4% |
| 90 days | 6% | -8% | -9.2% |
| 1 year | 61.5% | -44.2% | 8.6% |
GBNY vs Sector: Generations Bancorp NY, Inc. has outperformed the "Financials" sector by 105.78% over the past year.
GBNY vs Market: Generations Bancorp NY, Inc. has outperformed the market by 52.95% over the past year.
Stable price: GBNY is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: GBNY with weekly volatility of 1.18% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (15.9 $) is higher than the fair price (15.07 $).
Price is higher than fair: The current price (15.9 $) is 5.2% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (0) is lower than that of the sector as a whole (21.15).
P/E vs Market: The company's P/E (0) is lower than that of the market as a whole (48.45).
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.5649) is higher than that of the sector as a whole (0.4704).
P/BV vs Market: The company's P/BV (0.5649) is lower than that of the market as a whole (3.38).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.11) is lower than that of the sector as a whole (4.07).
P/S vs Market: The company's P/S indicator (1.11) is lower than that of the market as a whole (10.23).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (-13.05) is lower than that of the sector as a whole (15.38).
EV/Ebitda vs Market: The company's EV/Ebitda (-13.05) is lower than that of the market as a whole (15.44).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -38.44% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-38.44%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-30.03%).
5.4. ROE
ROE vs Sector: The company's ROE (-4.16%) is lower than that of the sector as a whole (6.48%).
ROE vs Market: The company's ROE (-4.16%) is lower than that of the market as a whole (8.97%).
5.5. ROA
ROA vs Sector: The company's ROA (-0.3665%) is lower than that of the sector as a whole (5.97%).
ROA vs Market: The company's ROA (-0.3665%) is lower than that of the market as a whole (6.3%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.96%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0% is below the average for the sector '1.75%.
7.2. Stability and increase in payments
Unstable dividends: The company's dividend yield 0% has not been consistently paid over the past 7 years, DSI=0.
Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (0%) are at an uncomfortable level.
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