Saturday 17 October 2026 Export GBNY’s income statement to Excel — free account

Generations Bancorp NY, Inc.

Generations Bancorp NY, Inc.’s revenue for fiscal 2023 (year ended December 2023) was $19.3 million, up 25.1% from fiscal 2022. Revenue growth for three consecutive years.

16.23 0.02 +0.12%

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Market cap: $35.1M
P/E: 0.0×
Fwd P/E: 23.0×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23
Piotroski F-Score Full definition →	—	—	7	6	5	5
P/E ratio Full definition →	14.16	14.16	14.16	19.87	22.79	0.00
P/S ratio Full definition →	1.42	1.42	1.42	1.72	1.62	1.17
P/FCF ratio Full definition →	32.27	32.27	32.27	7.71	6.28	11.24
P/Operating CF Full definition →	24.22	24.22	24.22	14.22	16.26	16.35
P/B ratio Full definition →	0.83	0.83	0.83	0.64	0.67	0.60
Price to Tangible BV Full definition →	0.88	0.88	0.88	0.67	0.70	0.61
EV/Sales Full definition →	1.54	1.54	1.54	1.52	1.77	1.42
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	26.84	26.84	26.84	7.29	6.27	13.42
EV/FCF Full definition →	34.92	34.92	34.92	6.82	6.87	13.56
Quick Ratio Full definition →	—	0.05	0.09	0.07	0.02	0.05
Current Ratio Full definition →	—	0.97	1.01	0.96	0.94	0.99
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	8.27%	9.26%	7.72%	4.69%	2.68%	5.55%
Debt/Equity Full definition →	0.96	1.14	0.97	0.41	0.28	0.63
Asset Turnover Full definition →	0.04	0.05	0.05	0.04	0.04	0.05
Operating CF/Net income Full definition →	2.18	15.69	0.57	2.41	4.00	(1.30)
Capex/Depreciation Full definition →	—	(0.54)	(0.10)	0.21	(0.13)	(0.01)
ROE Full definition →	(0.77%)	0.31%	6.02%	3.85%	2.69%	(4.18%)
ROA Full definition →	(0.06%)	0.03%	0.48%	0.38%	0.28%	(0.39%)
ROIC Full definition →	0.00%	(0.09%)	3.22%	3.10%	2.05%	(2.94%)
Return on Tangible Assets Full definition →	(1.15%)	1.02%	8.39%	38.59%	(18.65%)	(14.83%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	0.00%	81.01%	73.71%	77.46%	79.01%	71.06%
Intangible Assets out of Total Assets Full definition →	0.01	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.83%	2.16%
Graham Net Nets Full definition →	(1.22)	(1.22)	(1.22)	(1.25)	(1.43)	(1.45)
Graham Number Full definition →	0.00	0.00	13.98	15.80	13.13	0.00
Earnings Yield Full definition →	7.06%	7.06%	7.06%	5.03%	4.39%	(7.06%)
Free Cash Flow Yield Full definition →	3.10%	3.10%	3.10%	12.97%	15.93%	8.90%
Revenue per Share Full definition →	5.10	6.64	7.08	6.94	6.68	8.81
Operating CF per Share Full definition →	(0.19)	0.56	0.41	1.45	1.88	0.93
Capex per Share Full definition →	0.00	(0.27)	(0.05)	0.10	(0.16)	(0.01)
Free Cash Flow per Share Full definition →	(0.19)	0.29	0.36	1.55	1.72	0.92
Cash per Share Full definition →	0.00	5.48	10.94	8.93	3.46	8.62
Shareholders Equity per Share Full definition →	11.11	11.49	12.18	18.49	16.16	17.21
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	11.11	11.49	12.18	18.49	16.16	17.21
Free Cash Flow Full definition →	(0.46)	0.71	0.88	3.64	3.97	2.02
Working Capital Full definition →	—	(9.05)	4.10	(11.68)	(20.69)	(3.63)
Capital Expenditures Full definition →	(0.95)	(0.66)	(0.12)	0.24	(0.38)	(0.02)
Net Current Asset Value Full definition →	(290.79)	(45.03)	(30.26)	(35.10)	(35.78)	(32.82)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.00	0.04	0.01	(0.01)	0.02	0.00
Price to Operating Income Full definition →	24.98	24.98	24.98	14.05	19.15	0.00
Other line items
Depreciation/Fixed assets Full definition →	0.00	0.07	0.07	0.07	0.20	0.27
Cash ROIC Full definition →	(0.86%)	0.96%	1.02%	4.42%	7.14%	2.51%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	—	0.01	0.01	0.01	0.01	0.02
Inventory Turnover Full definition →	—	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	—	32,655.00	38,627.11	67,635.32	59,954.74	17,226.63
Days of Inventory on Hand Full definition →	—	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	—	296.44	296.44	310.80	314.86	337.64
Average Assets Full definition →	332.86	332.86	360.67	376.37	382.62	405.39
Average Common Equity Full definition →	27.80	27.80	29.06	36.68	40.40	37.51

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Columns are period end dates

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