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* 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Generations Bancorp NY's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Generations Bancorp NY's OCF 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 OCF Margin % of 0.00% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Generations Bancorp NY and its competitors. According to the industry distribution chart, Generations Bancorp NY ranks #456 out of 1496 companies in the Banks industry, placing it in the top 30.5%.
Is Generations Bancorp NY's OCF Margin % too high?
Generations Bancorp NY's current OCF Margin % is 0.00%. Based on the distribution chart, Generations Bancorp NY ranks #456 out of 1496 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 OCF Margin % compare to FPBC and WOBK?
According to the Banks industry distribution chart, Generations Bancorp NY ranks #456 out of 1496 companies for OCF Margin %. This puts Generations Bancorp NY in the upper half of its industry. The industry median OCF Margin % is 29.64. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.64, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Generations Bancorp NY and its competitors. For the Banks industry, the median OCF Margin % is 29.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generations Bancorp NY's current OCF 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 OCF 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Generations Bancorp NY (GBNY), the current OCF 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:
OCF 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
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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