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Generations Bancorp NY (GBNY)

Generations Bancorp is the bank's holding company of Generations Bank, established in 1870 as Seneca Falls Savings Bank—a New York chartered mutual savings bank. In 2012, the bank’s name and the insurance agency’s name were changed to Generations Bank and Generations Agency respectively. For 150 years, Generations has partnered with businesses, municipalities and residents across the Finger Lakes Region and Western New York to offer banking, insurance, and investment services. Founded in 1870 and headquartered in Seneca Falls, Generations serves the community from 10 retail locations in Seneca Falls, Auburn, Union Springs, Waterloo, Geneva, Phelps, Farmington, Albion and Medina. In addition to traditional business and consumer deposit services, Generations focuses on residential mortgages, as well as manufactured home, automobile, home equity, commercial, non-residential real estate and construction loans. The organization also serves the broader needs of the Finger Lakes area and Western New York through its insurance business, Generations Agency and financial planning and brokerage services offered by Generations Investment Services.

GBNY stock data

Calendar

5 Aug 22
1 Oct 22
31 Dec 22
Quarter (USD) Jun 22 Mar 22 Dec 21 Sep 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD) Dec 21 Dec 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Cash burn rate (est.) Burn method: Change in cash Burn method: Operating income Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 12.96M 12.96M 12.96M 12.96M 12.96M 12.96M
Cash burn (monthly) 3.57M 192.83K (no burn) (no burn) (no burn) (no burn)
Cash used (since last report) 10.95M 591.4K n/a n/a n/a n/a
Cash remaining 2M 12.36M n/a n/a n/a n/a
Runway (months of cash) 0.6 64.1 n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
14 Jun 22 Krezmer Angela M Common Stock Grant Acquire A No No 0 11,821 0 12,421
14 Jun 22 Krezmer Angela M Stock Options Common Stock Grant Acquire A No No 11.6 29,551 342.79K 29,551
14 Jun 22 Menzo D Case Common Stock Grant Acquire A No No 0 14,775 0 15,997
14 Jun 22 Menzo D Case Stock Options Common Stock Grant Acquire A No No 11.6 36,939 428.49K 36,939
23 May 22 Frank Nicchi Common Stock Buy Acquire P Yes No 11.6809 240 2.8K 6,267
23 May 22 Cynthia S Aikman Common Stock Buy Acquire P Yes No 11.6809 340 3.97K 2,168
23 May 22 August P Sinicropi Common Stock Buy Acquire P Yes No 11.6809 240 2.8K 3,590
1.6% owned by funds/institutions
13F holders Current Prev Q Change
Total holders 13 7 +85.7%
Opened positions 7 0 NEW
Closed positions 1 7 -85.7%
Increased positions 1 0 NEW
Reduced positions 0 2 EXIT
13F shares Current Prev Q Change
Total value 15.13M 10.66M +42.0%
Total shares 1.34M 961.34K +39.9%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners Shares Value Change
Stilwell Joseph 243.61K $2.45M 0.0%
Stilwell Value 243.61K $2.88M 0.0%
M3F 242.59K $2.87M +1.0%
Alliancebernstein 239.04K $2.83M NEW
M3 Partners 186.55K $1.88M 0.0%
Punch & Associates Investment Management 70.8K $837K NEW
Vanguard 67.23K $795K NEW
First Manhattan 30.06K $355K NEW
Context BH Capital Management 16.94K $200K NEW
Corsicana & Co. 1.4K $17K 0.0%
Largest transactions Shares Bought/sold Change
Alliancebernstein 239.04K +239.04K NEW
Punch & Associates Investment Management 70.8K +70.8K NEW
Vanguard 67.23K +67.23K NEW
FJ Capital Management 0 -45K EXIT
First Manhattan 30.06K +30.06K NEW
Context BH Capital Management 16.94K +16.94K NEW
M3F 242.59K +2.33K +1.0%
Tower Research Capital 1.05K +1.05K NEW
MS Morgan Stanley 1K +1K NEW
Proequities 0 0

Content analysis

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Constraining
Legalese
Litigous
Readability
8th grade Avg
New words: anniversary, approved, authorized, block, curve, exact, Incentive, incremental, installment, intermediate, open, payoff, penalty, prepayment, preventing, senior, steepening, succeeding, unchanged, vest, vested, vesting
Removed: Committee, compliance, covered, final, issuer, phased, unregistered