Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Generations Bancorp NY's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Generations Bancorp NY FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Generations Bancorp NY's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Generations Bancorp NY's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Generations Bancorp NY (GBNY) has a FCF Margin % of 0.00% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Generations Bancorp NY and its competitors. According to the industry distribution chart, Generations Bancorp NY ranks #434 out of 1500 companies in the Banks industry, placing it in the top 28.9%.
Is Generations Bancorp NY's FCF Margin % too high?
Generations Bancorp NY's current FCF Margin % is 0.00%. Based on the distribution chart, Generations Bancorp NY ranks #434 out of 1500 companies in the Banks industry, which is above the industry midpoint. Overall, Generations Bancorp NY has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generations Bancorp NY's FCF Margin % compare to FPBC and WOBK?
According to the Banks industry distribution chart, Generations Bancorp NY ranks #434 out of 1500 companies for FCF Margin %. This puts Generations Bancorp NY in the upper half of its industry. The industry median FCF Margin % is 26.40. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.40, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Generations Bancorp NY and its competitors. For the Banks industry, the median FCF Margin % is 26.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generations Bancorp NY's current FCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generations Bancorp NY stock overvalued right now?
Based on GuruFocus' analysis, Generations Bancorp NY (GBNY) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.68, compared to a current price of $15.28 — trading 128.7% above its estimated fair value. The current FCF Margin % is 0.00%. Generations Bancorp NY's overall GF Score™ is 36/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Generations Bancorp NY (GBNY), the current FCF Margin % is 0.00% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Generations Bancorp NY (GBNY) Overvalued in 2026?
Based on GuruFocus' analysis, Generations Bancorp NY stock appears to be overvalued.
The current stock price of $15.28 is trading 128.7% above its estimated GF Value™ of $6.68.
GuruFocus considers Generations Bancorp NY to be Significantly Overvalued.
Key valuation signals for GBNY:
FCF Margin %: 0.00%
GF Value™: $6.68 vs. price of $15.28 (128.7% above fair value)
No single metric tells the full story. See the GBNY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Generations Bancorp NY Inc is a federally chartered savings bank headquartered in Seneca Falls, New York. The Bank is a community-oriented savings institution whose business consists of accepting deposits from customers within its market area and investing those funds in loans secured by one- to four-family residential real estate, commercial real estate, business or personal assets, and in investment securities.
36GF Score
Get the complete analysis for GBNY
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
GBNY has been successfully added to your 
