What is Generations Bancorp NY, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on Generations Bancorp NY, Inc.'s reported free cash flow gives $12.24 per share. The share price was $16.23 on September 14, 2026, 33% above that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -10.0% | 10.0% | $9.41 | -42% |
| Base | -5.0% | 9.0% | $12.24 | -25% |
| Bull | 0.0% | 8.0% | $17.53 | +8% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $14.13 | $14.68 | $15.36 | $16.21 | $17.30 |
| 8.0% | $12.74 | $13.10 | $13.52 | $14.03 | $14.66 |
| 9.0% | $11.71 | $11.96 | $12.24 | $12.58 | $12.97 |
| 10.0% | $10.93 | $11.10 | $11.30 | $11.53 | $11.79 |
| 11.0% | $10.30 | $10.43 | $10.58 | $10.74 | $10.92 |
Where the presets come from
Base: years 1 to 5 grow at Generations Bancorp NY, Inc.'s revenue growth rate over the last 3 fiscal years (-11.7% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions