Generations Bancorp NY Performance
| GBNYDelisted Stock | USD 15.44 0.56 3.50% |
Generations Bancorp holds a performance score of 17 on a scale of zero to a hundred. The company retains a Market Volatility (i.e., Beta) of 0.0311, which attests to not very significant fluctuations relative to the market. As returns on the market increase, Generations Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding Generations Bancorp is expected to be smaller as well. Use Generations Bancorp NY maximum drawdown, as well as the relationship between the skewness and day typical price , to analyze future returns on Generations Bancorp NY.
Risk-Adjusted Performance
17 of 100
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Solid
Compared to the overall equity markets, risk-adjusted returns on investments in Generations Bancorp NY are ranked lower than 17 (%) of all global equities and portfolios over the last 90 days. In spite of fairly abnormal basic indicators, Generations Bancorp showed solid returns over the last few months and may actually be approaching a breakup point. ...more
| Begin Period Cash Flow | 8 M |
Generations |
Generations Bancorp Relative Risk vs. Return Landscape
If you would invest 1,175 in Generations Bancorp NY on September 20, 2024 and sell it today you would earn a total of 369.00 from holding Generations Bancorp NY or generate 31.4% return on investment over 90 days. Generations Bancorp NY is currently generating 2.6798% in daily expected returns and assumes 12.3062% risk (volatility on return distribution) over the 90 days horizon. In different words, most equities are less risky than Generations, and most traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon. Expected Return |
| Risk |
Generations Bancorp Market Risk Analysis
Today, many novice investors tend to focus exclusively on investment returns with little concern for Generations Bancorp's investment risk. Standard deviation is the most common way to measure market volatility of stocks, such as Generations Bancorp NY, and traders can use it to determine the average amount a Generations Bancorp's price has deviated from the expected return over a period of time. It is calculated by determining the expected price for the established period and then subtracting this figure from each price point. The differences are then squared, summed, and averaged to produce the variance.
Sharpe Ratio = 0.2178
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| Good Returns | GBNY | |||
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Estimated Market Risk
| 12.31 actual daily | 96 96% of assets are less volatile |
Expected Return
| 2.68 actual daily | 53 53% of assets have lower returns |
Risk-Adjusted Return
| 0.22 actual daily | 17 83% of assets perform better |
Based on monthly moving average Generations Bancorp is performing at about 17% of its full potential. If added to a well diversified portfolio the total return can be enhanced and market risk can be reduced. You can increase risk-adjusted return of Generations Bancorp by adding it to a well-diversified portfolio.
Generations Bancorp Fundamentals Growth
Generations Stock prices reflect investors' perceptions of the future prospects and financial health of Generations Bancorp, and Generations Bancorp fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on Generations Stock performance.
| Return On Equity | -0.0727 | ||||
| Return On Asset | -0.0066 | ||||
| Profit Margin | (0.29) % | ||||
| Operating Margin | (0.56) % | ||||
| Current Valuation | 42.85 M | ||||
| Shares Outstanding | 2.24 M | ||||
| Price To Earning | 20.33 X | ||||
| Price To Book | 0.99 X | ||||
| Price To Sales | 3.88 X | ||||
| Revenue | 19.25 M | ||||
| EBITDA | (1.99 M) | ||||
| Cash And Equivalents | 13.61 M | ||||
| Cash Per Share | 5.60 X | ||||
| Total Debt | 23.58 M | ||||
| Book Value Per Share | 15.86 X | ||||
| Cash Flow From Operations | 2.04 M | ||||
| Earnings Per Share | (1.23) X | ||||
| Total Asset | 427.59 M | ||||
| Retained Earnings | 21 M | ||||
About Generations Bancorp Performance
Evaluating Generations Bancorp's performance through its fundamental ratios, provides valuable insights into its operational efficiency and profitability. For instance, if Generations Bancorp has a high ROA and ROE, it suggests that the company is efficiently using its assets and equity to generate substantial profits, making it an attractive investment. Conversely, if Generations Bancorp has a low ROA and ROE, it may indicate underlying issues in asset and equity management, signaling a need for operational improvements. Please also refer to our technical analysis and fundamental analysis pages.
Generations Bancorp NY, Inc. operates as a holding company for Generations Bank that provides various banking products and services. The company was founded in 1870 and is headquartered in Seneca Falls, New York. Generations Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 83 people.Things to note about Generations Bancorp performance evaluation
Checking the ongoing alerts about Generations Bancorp for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for Generations Bancorp help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.| Generations Bancorp is not yet fully synchronised with the market data | |
| Generations Bancorp is way too risky over 90 days horizon | |
| Generations Bancorp appears to be risky and price may revert if volatility continues | |
| Generations Bancorp has a very high chance of going through financial distress in the upcoming years | |
| The company reported the previous year's revenue of 19.25 M. Net Loss for the year was (1.57 M) with profit before overhead, payroll, taxes, and interest of 14.11 M. | |
| About 20.0% of the company shares are held by company insiders |
- Analyzing Generations Bancorp's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether Generations Bancorp's stock is overvalued or undervalued compared to its peers.
- Examining Generations Bancorp's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating Generations Bancorp's management team can have a significant impact on its success or failure. Reviewing the track record and experience of Generations Bancorp's management team can help you assess the Company's leadership.
- Pay attention to analyst opinions and ratings of Generations Bancorp's stock. These opinions can provide insight into Generations Bancorp's potential for growth and whether the stock is currently undervalued or overvalued.
Check out Risk vs Return Analysis to better understand how to build diversified portfolios. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors. You can also try the Idea Optimizer module to use advanced portfolio builder with pre-computed micro ideas to build optimal portfolio .
Other Consideration for investing in Generations Stock
If you are still planning to invest in Generations Bancorp check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Generations Bancorp's history and understand the potential risks before investing.
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