Generations Bancorp Ny Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Generations Bancorp Ny Inc (GBNY) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Generations Bancorp Ny Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 7M vs 243M combined for tracked competitors (3.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+13.1% annualized vs trailing 12 months), vs decelerating (-7.3%) for its tracked peer group.
- Growth: Generations Bancorp Ny Inc generated -28.0% revenue growth year over year in Q1 2024, vs 16.3% for its tracked competitors combined.
- Profitability: Its -25.8% net margin compares with 3.7% for the peer group.
- Peer revenue share: Generations Bancorp Ny Inc accounted for 3.6% of combined revenue among its tracked peer group, down from 5.7% a year earlier.
- Peer differentiation: Revenue per employee of $0.07M compares with $0.39M for the peer group (0.2x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
GBNY Sales vs. its Competitors, Q1 2024
Generations Bancorp Ny Inc reported revenue contraction of 28.04 % year on year in Q1 2024, below its competitors' combined revenue growth of 16.31 %.
With a net margin of -25.80 %, Generations Bancorp Ny Inc reported lower profitability than its competitors (3.67 %).
Generations Bancorp Ny Inc generated 3.61 % of the combined sales of its peer group, down from 5.70 % a year earlier.
Generations Bancorp Ny Inc vs. its Competitors, Q1 2024
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Generations Bancorp Ny Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Generations Bancorp Ny Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Generations Bancorp Ny Inc's competitor groups requires a Commercial License.
For context: the S&Ls Savings Banks industry grew revenue 2,106.4% year over year, combined, vs -28.0% for Generations Bancorp Ny Inc. Generations Bancorp Ny Inc's share of combined industry revenue moved from 0.06% to 0.00%, a loss of 0.06 percentage points.
Generations Bancorp Ny Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Generations Bancorp Ny Inc | No | No | No | - |
| Competitors combined (1) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
GBNY Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Financial Institutions Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Generations Bancorp Ny Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Generations Bancorp Ny Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Generations Bancorp Ny Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Generations Bancorp Ny Inc | 34.81 | 7.47 |
| Financial Institutions Inc | 784.48 | 243.46 |
| SUBTOTAL | 819.29 | 250.93 |
Sources: Generations Bancorp Ny Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Generations Bancorp Ny Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Generations Bancorp Ny Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Generations Bank | Named by the company | 85% |
| Financial Institutions Inc | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Generations Bancorp Ny Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Generations Bancorp Ny Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Generations Bancorp Ny Inc | 35 | 71,143 | -25,095 |
| Financial Institutions Inc | 784 | 385,837 | 130,945 |
| PEERS TOTAL | 784 | 385,837 | 130,945 |
Generations Bancorp Ny Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 37 companies in Generations Bancorp Ny Inc's industry classification, broader than the peer set above. Market cap in millions of $.Generations Bancorp Ny Inc ranks #0 of 37 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 5, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 2 | Axos Financial Inc | 4,970 | 1.15 % |
| 3 | Eastern Bankshares Inc | 4,633 | 1.07 % |
| 4 | Tfs Financial Corporation | 4,609 | 1.07 % |
| 5 | Bankunited inc | 3,092 | 0.72 % |
| 6 | Provident Financial Services Inc | 1,234 | 5.2% |
| 7 | Columbia Financial Inc | 1,234 | 5.2% |
| 8 | Brookline Bancorp inc | 1,234 | 5.2% |
| 9 | Capitol Federal Financial Inc | 1,234 | 5.2% |
| 10 | Hometrust Bancshares Inc | 1,234 | 5.2% |
| 11 | Kearny Financial Corp | 1,234 | 5.2% |
| 0 | Generations Bancorp Ny Inc | 35 | 0.00 % |
Market cap and industry share for the rest of Generations Bancorp Ny Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-14.
Generations Bancorp Ny Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the S&Ls Savings Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (61 companies). See the full S&Ls Savings Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 58.30 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 86.44 % | 37.67 % (avg) | +48.8 pp |
| Capital Intensity (Capex / Revenue) | 3.01 % | 3.69 % (avg) | -0.7 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Generations Bancorp Ny Inc's Valuation vs Competitive Position
Valuation multiples vs the S&Ls Savings Banks industry average (61 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full S&Ls Savings Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 29.5x | - |
| EV / EBITDA | 2.1x | 10.9x | -8.8x |
| P/B | 0.6x | 1.1x | -0.5x |
| Return on Equity | -7.26 % | industry aggregate | -14.35 % |
| Return on Invested Capital | - | 2.28 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Generations Bancorp Ny Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|
| Revenue Growth | - | - | -8.86 % | -16.09 % |
| Operating Margin | - | 12.02 % | 10.14 % | -18.46 % |
| Return on Invested Capital | - | 1.77 % | 0.52 % | -0.45 % |
| P/E | - | 18.8x | 23.1x | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Generations Bancorp Ny Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 5 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 3.01 % vs industry average 3.69 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Generations Bancorp Ny Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Generations Bancorp Ny Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Generations Bancorp Ny Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Generations Bancorp Ny Inc falls in the Medium attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Generations Bancorp Ny Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+13.1% annualized vs trailing 12 months).
Weaknesses
- Return on equity 14.4 points below the industry aggregate.
- Underperforming the U.S.A. 500 over the trailing 12 months.
Opportunities
No rule matched.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-7.3% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Generations Bancorp Ny Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Generations Bancorp Ny Inc | 0.01 | 1.03 | 0.02 |
| Financial Institutions Inc | 0.01 | 1.33 | 0.37 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Generations Bancorp Ny Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Generations Bancorp Ny Inc | Q1 2024 | -87.2 % | - |
| Financial Institutions Inc | Q2 2026 | +7.0 % | +20.8 % |
| PEERS TOTAL | +2.6 % | +17.1 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Generations Bancorp Ny Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Generations Bancorp Ny Inc | Q1 2024 | +128.5 % | -4.8 % |
| Financial Institutions Inc | Q2 2026 | +21.3 % | -46.9 % |
Generations Bancorp Ny Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Generations Bancorp Ny Inc | - | - | - |
| Financial Institutions Inc | 1.31% | 3.75% | 13.09% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Generations Bancorp Ny Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Generations Bancorp Ny Inc | - | 4.66 |
| Financial Institutions Inc | 9.62 | 3.22 |
| PEERS AVERAGE | 10.24 | 3.26 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.