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Generations Bancorp NY, Inc.

Data quality: 100%
GBNY
OTC Financial Services Depository Institutions
$14.71
▼ $0.24 (-1.61%)
Mkt Cap: 33.52 M
Price
$14.71
Mkt Cap
33.52 M
Day Range
$14.71 — $14.71
52-Week Range
$14.68 — $17.95
Volume
9
Open $14.71
50D / 200D Avg
$15.50
5.10% below
50D / 200D Avg
$16.67
11.78% below

Quick Summary

Key Takeaways

Earnings declined -244.16% over the past year
Negative free cash flow of -361,000.0

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)-7.26%
Earnings (1Y)-244.16%
FCF Growth (3Y)-25.10%

Quality

Return on Equity
-7.27%
Below sector avg (9.24%)
ROICN/A
Net Margin-191.22%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
-12.72
Below sector avg (11.15)
P/B Ratio0.94
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2144 peers)
Metric Stock Sector Median
P/E -12.7 11.1
P/B 0.9 1.2
ROE % -7.3 9.2
Net Margin % -191.2 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) -7.26% Revenue Growth (3Y) -9.44%
Earnings Growth (1Y) -244.16% Earnings Growth (3Y) N/A
Revenue Growth (5Y) N/A Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) 1.38 M Net Income (TTM) -2.64 M
ROE -7.27% ROA -0.65%
Gross Margin N/A Operating Margin N/A
Net Margin -191.22% Free Cash Flow (TTM) -361,000.0
ROIC N/A FCF Growth (3Y) -25.10%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.00
Working Capital N/A Tangible Book Value 34.93 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio -12.72 Forward P/E N/A
P/B Ratio 0.94 P/S Ratio 24.33
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield -1.08%
Market Cap 33.52 M Enterprise Value 23.69 M
Per Share
EPS (Diluted TTM) -1.23 Revenue / Share 0.60
FCF / Share -0.16 OCF / Share -0.06
EPS CAGR (1Y) -253.19% EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 16.33% FCF Conversion 13.70%
SBC-Adj. FCF -553,000 Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2023 FY2022 FY2021 FY2020
Revenue 1.88 M 2.03 M 2.29 M 2.34 M
Net Income -1.57 M 1.09 M 1.41 M 1.75 M
EPS (Diluted) -0.72 0.47 0.60 —
Gross Profit — — — —
Operating Income — — — —
EBITDA — — — —
R&D Expenses — — — —
SG&A Expenses — — — —
D&A — — — —
Interest Expense 7.58 M 1.93 M 1.68 M 2.93 M
Income Tax -425,000.0 216,000.0 283,000.0 -104,000.0

Balance Sheet

Annual, most recent first
Metric FY2023 FY2022 FY2021 FY2020
Total Assets 424.50 M 386.29 M 378.95 M 373.01 M
Total Liabilities 386.80 M 348.97 M 335.47 M 343.13 M
Shareholders' Equity 37.70 M 37.33 M 43.48 M 29.89 M
Total Debt 16.20 M 16.20 M — —
Cash & Equivalents 14.53 M 8.00 M 21.00 M 26.83 M
Current Assets — — — —
Current Liabilities — — — —