GBNY — Stock Film
STOCK FILMSCENE 1/11GBNY · $15.29
Stock Expert AI presents
GBNY
Generations Bancorp NY, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Generations Bancorp NY, Inc. A quick introduction.

On the stock market since 2021, it operates in the world of money and finance. It has 71 employees. Now — the numbers.

on the stock market since 2021
71 employees
$34.6M market value
Revenue last year:
$0
The loss that same year:
$0
For every $1 it earns, the company spends $1.3.

The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.

WHERE DOES THE MONEY COME FROM?
47%Debit card interchange and surcharge income
Debit card interchange and surcharge income 47%Service charges on deposit accounts 35%Insurance commissions 10%Loan servicing fees 9%
47% of all revenue comes from a single line: Debit card interchange and surcharge income.

The biggest line carries real weight, but it doesn’t decide everything on its own.

THE SALES TREND
Sales are moving sideways.

No real growth (4% a year). Red columns mark years that ended in a loss.

$14.3M
2021
$13.3M
2022
$17M
2023
$18.8M
2024
$16.5M
2025
In the vault right now:
$0
DEBT: $17.3M
At this pace, that money lasts less than a year.

Before the clock runs out, either sales must climb sharply or new money must come in. This is the most critical line in the whole picture.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

WEAK SPOTS
The stock has lost its spark0/10
Costs eat into the margin4/10
WORTH WATCHING

Cost Efficiency: As sales grow, profit fails to keep the same pace.

THE FIVE-YEAR JOURNEY
Trading below its recent peak.

The stock trades below its recent peak — about 15% off the top. A pullback, not a collapse.

1
THE BRIGHT SIDE · 1/3
The product is selling

Sales run at $16.5M a year. A small number, but proof the product has real buyers.

2
THE BRIGHT SIDE · 2/3
Executives are buying their own stock

Over the last 12 months, company executives reported 7 buys and 5 sells. Management buying with its own money is usually read as a good sign.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $0.10 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/2
Small sales, big loss

A loss of $4.7M against $16.5M in annual sales. And on top of that, sales fell from the year before.

2
THE RISKS · 2/2
The cash has a countdown

At the current pace of spending, the cash lasts less than a year. After that, the company needs to find new money.

FINALE · THE GRADE
D
0 / 100 · MoonshotScore

On our five-subject report card, GBNY sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: GBNY is a high-risk stock — not yet profitable, and its future rides on its product catching on.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film