Krezmer Angela M
Transaction: 03/25/2024
BUY
Change
0
Price
$10.00
Filing
03/27/2024
Type
BUY
Generations Bancorp NY, Inc.
GBNY • Banks - Regional
$16.18
— 0.00 (0.00%)
Current price
EarningsLatest report: Dec 31, 2025
HIGHER-RISK PROFILECautionConfidence: 70%
Quantitative profile — not an investment recommendation.
Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Caution is warranted. Recent ratios show weaknesses that may limit returns unless fundamentals improve.
Market Cap
$36.86M
Growth
2.2%
Cash Flow
4/5
Trend
Mostly stable
Evidence
Positive free cash flow · 0.76Consistent free cash flow · 4/5Manageable debt level · 0.52Weak liquidity · 0.01Weak profitability
Financial data as of: Dec 31, 2025, 12:00 AM UTCLast earnings update: Dec 31, 2025, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC
Company Snapshot
Key valuation, quality, financial strength, momentum and analyst data.
Price$16.18
Change0.00%
Shares Out2.28M
Market Cap$36.86M
Enterprise Value$51.36M
52W Range14.68 - 17.95
Beta0.21
P/E-7.87
P/S2.31
P/B1.11
P/FCF-102.10
EV/Sales3.21
Price$16.18
Change0.00%
Shares Out2.28M
Market Cap$36.86M
Enterprise Value$51.36M
52W Range14.68 - 17.95
Beta0.21
P/E-7.87
P/S2.31
P/B1.11
P/FCF-102.10
EV/Sales3.21
EV/EBITDA-11.05
EV/FCF-142.26
Earnings Yield-12.70%
FCF Yield-0.98%
Dividend Yield0.00%
Gross Margin43.32%
Oper. Margin-28.11%
Profit Margin-28.32%
Debt/Eq0.52
Current Ratio0.01
Quick Ratio0.01
Revenue 5Y2.23%
Volume3.90K
Avg Volume547.00
Investment DNA
How strong this company looks for long-term investors
49
out of 100
Business Quality
Margins, moat, returns
22/100
Financial Strength
Debt, cash, stability
36/100
Growth Potential
Revenue and expansion
43/100
Price Attractiveness
Cheap or expensive today
81/100
Why this score▼
Positive free cash flow · 0.76Consistent free cash flow · 4/5Manageable debt level · 0.52Weak liquidity · 0.01Weak profitability
Analyst view
No analyst data available now.
Insider Transactions
Recent executive and insider activity
Pender Alicia H
Transaction: 08/22/2023
BUY
Change
+1,000
Price
$9.53
Filing
09/05/2023
Type
BUY
Pender Alicia H
Transaction: 05/18/2023
SELL
Change
0
Price
Not reported
Filing
09/05/2023
Type
SELL
| Insider | Type | Change | Price | Transaction | Filing |
|---|---|---|---|---|---|
| Krezmer Angela M | BUY | 0 | $10.00 | 03/25/2024 | 03/27/2024 |
| Pender Alicia H | BUY | +1,000 | $9.53 | 08/22/2023 | 09/05/2023 |
| Pender Alicia H | SELL | 0 | Not reported | 05/18/2023 | 09/05/2023 |
| Case Menzo D | BUY | +3,271 | $9.03 | 06/13/2023 | 06/14/2023 |
| Jones Bradford M | BUY | +409 | $9.03 | 06/13/2023 | 06/14/2023 |
| Nicchi Frank | BUY | +363 | $9.03 | 06/13/2023 | 06/14/2023 |
| Aikman Cynthia S | BUY | +490 | $9.03 | 06/13/2023 | 06/14/2023 |
| Dyson Derek M | BUY | +288 | $9.03 | 06/13/2023 | 06/14/2023 |
| Cutrona Anthony G | SELL | -29,551 | $11.60 | 06/14/2023 | 02/28/2023 |
| Dyson Derek M | SELL | -14,776 | $11.60 | 06/14/2023 | 02/28/2023 |
| Cutrona Anthony G | OPTION | 0 | Not reported | 02/27/2023 | 02/28/2023 |
| Dyson Derek M | OPTION | 0 | Not reported | 02/27/2023 | 02/28/2023 |
| Krezmer Angela M | BUY | +100 | $11.50 | 08/10/2022 | 02/24/2023 |
| Krezmer Angela M | BUY | +29,551 | Not reported | 06/14/2022 | 06/16/2022 |
| Case Menzo D | BUY | +36,939 | Not reported | 06/14/2022 | 06/16/2022 |
| Nicchi Frank | BUY | +240 | $11.68 | 05/23/2022 | 05/25/2022 |
| Jones Bradford M | BUY | +261 | $11.68 | 05/23/2022 | 05/25/2022 |
| Sinicropi August P | BUY | +240 | $11.68 | 05/23/2022 | 05/25/2022 |
| Aikman Cynthia S | BUY | +340 | $11.68 | 05/23/2022 | 05/25/2022 |
| Case Menzo D | BUY | +2,480 | $11.68 | 05/23/2022 | 05/25/2022 |