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Generations Bancorp NY, Inc. · OTC
Price: $16.23 · Annual div: None · Frequency: — · Payout ratio: N/A · Ex-div: —
GBNY is not a dividend-focused stock
GBNY pays a very low or no dividend (Yield: 0.00%). This calculator is designed for income-producing assets. If your goal is passive income and compounding, you might want to look at these popular alternatives:
Generations Bancorp NY, Inc. (GBNY) does not currently pay a regular dividend in our data, so its dividend yield is 0%.
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Year your monthly dividend income covers each expense (based on current settings)
Generations Bancorp NY, Inc. operates as the parent organization for Generations Bank, delivering a wide array of banking and financial services. The institution offers diverse deposit options, including demand and NOW checking accounts, money market accounts, savings accounts, and certificates of deposit. Its extensive lending portfolio encompasses mortgages for one-to-four family homes, commercial real estate, and multi-family residences. Furthermore, it provides consumer business loans, financing for manufactured homes, automobiles, student education, recreational vehicles, and construction projects, alongside various other personal credit options and home equity loans and lines of credit. The company also strategically invests in corporate and municipal bonds issued by governmental and educational bodies across the northeastern United States, as well as mortgage-backed securities from U.S. government-sponsored entities and Federal Home Loan Bank stock. Additionally, it extends insurance and other financial products. Established in 1870, Generations Bancorp NY, Inc. maintains its headquarters and primary office in Seneca Falls, New York, complemented by eight full-service branch locations and a single drive-through facility situated in Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, New York.
No. Generations Bancorp NY, Inc. (GBNY) has not paid a regular dividend in the last 12 months in our data, so its dividend yield is 0% and it produces no dividend income.
Dividend ETFs such as SCHD, VYM or JEPI pay regular income. Open their DRIP calculators to see what $10,000 would earn per month and how reinvesting grows it.
A DRIP reinvests dividends into new shares. GBNY has no regular dividend in our data, so there is nothing to reinvest.
Forward dividend yield from the latest data · open any DRIP calculator
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold GBNY.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 0.00% | -2.80% | $0 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 0.00% | -2.80% | $0 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.00% | -2.80% | $0 / yr |
| 🇬🇧 UK ISA | 0% | 0.00% | -2.80% | $0 / yr |
| 🇬🇧 UK Taxable | 8.75% | 0.00% | -2.80% | $0 / yr |
| 🇨🇦 TFSA | 0% | 0.00% | -2.80% | $0 / yr |
| 🇨🇦 CA Taxable | 25% | 0.00% | -2.80% | $0 / yr |
| 🇦🇺 Super (pension) | 15% | 0.00% | -2.80% | $0 / yr |
| 🇦🇺 AU Taxable | 30% | 0.00% | -2.80% | $0 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.00% | -2.80% | $0 / yr |
| 🇫🇷 FR Taxable | 30% | 0.00% | -2.80% | $0 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
No dividend data available for this ticker.
Based on current dividend of $0.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
GBNY pays quarterly — 4 times per year. Ex-div: —.
How GBNY compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for GBNY sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| L-Small | 2023-08-22 | 1,000 | $9.53 | $9.5K | ||
| Buy | 2023-06-13 | 288 | $9.03 | $2.6K | ||
| Buy | 2023-06-13 | 490 | $9.03 | $4.4K | ||
| Buy | 2023-06-13 | 363 | $9.03 | $3.3K | ||
| Buy | 2023-06-13 | 409 | $9.03 | $3.7K | ||
| Buy | 2023-06-13 | 3,271 | $9.03 | $29.6K | ||
| Other | 2023-06-14 | 14,776 | $11.60 | $171.4K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Compare GBNY with peers: GBNY vs CBKM · GBNY vs ELMA · GBNY vs FBPI
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the GBNY dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Generations Bancorp NY, Inc. (GBNY) is currently trading at $16.23, 10% below its 52-week high. It does not currently pay a regular dividend.
Generations Bancorp NY, Inc. (GBNY) is a financial services stock trading at $16.23. It does not currently pay a regular dividend in our data, so it produces no dividend income and DRIP reinvestment does not apply. Investors seeking income often look at dividend ETFs such as SCHD, VYM or JEPI instead.
Auto-generated from live market data. For educational purposes only — not financial advice.
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