Generations Bancorp NY, Inc. GBNY

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

Quarterly (Descending) Quarterly (Ascending) Annual (Descending) Annual (Ascending) TTM (Descending) TTM (Ascending)

Financial statements are limited to most recent four years or quarters for non-powerpack users

Ten years worth of data (where available), most important trends and XLS exports are available for our Powerpack users.

	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23
P/E ratio	20.59	20.59	20.59	20.20	‡‡‡‡‡	‡‡‡
P/S ratio	1.42	1.42	1.42	1.72	‡‡‡‡‡	‡‡‡‡‡
P/FCF ratio	32.27	32.27	32.27	7.71	‡‡‡‡‡	‡‡‡‡‡
P/Operating CF	24.22	24.22	24.22	14.22	‡‡‡‡‡	‡‡‡‡‡
P/B ratio	0.83	0.83	0.83	0.64	‡‡‡‡‡	‡‡‡‡‡
Price to Tangible BV	0.88	0.88	0.88	0.67	‡‡‡‡‡	‡‡‡‡‡
EV/Sales	2.13	2.13	2.13	1.91	‡‡‡‡‡	‡‡‡‡‡
EV/EBITDA	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡
EV/Operating CF	37.14	37.14	37.14	9.19	‡‡‡‡‡	‡‡‡‡‡
EV/FCF	48.33	48.33	48.33	8.59	‡‡‡‡‡	‡‡‡‡‡
Quick Ratio	—	0.05	0.09	0.07	‡‡‡‡‡	‡‡‡‡‡
Current Ratio	—	0.97	1.01	0.96	‡‡‡‡‡	‡‡‡‡‡
Net Debt/EBITDA	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡
Debt/Assets	8.27%	11.61%	10.47%	6.39%	‡‡‡‡‡	‡‡‡‡‡
Debt/Equity	0.96	1.43	1.31	0.56	‡‡‡‡‡	‡‡‡‡‡
Asset Turnover	0.04	0.05	0.05	0.04	‡‡‡‡‡	‡‡‡‡‡
Operating CF/Net income	2.18	15.69	0.57	2.41	‡‡‡‡‡	‡‡‡‡‡
Capex/Depreciation	—	(0.54)	(0.10)	0.21	‡‡‡‡‡	‡‡‡‡‡
Depreciation/Fixed assets	0.00	0.07	0.07	0.07	‡‡‡‡‡	‡‡‡‡‡
ROE	(0.77%)	0.31%	6.02%	3.85%	‡‡‡‡‡	‡‡‡‡‡
ROA	(0.06%)	0.03%	0.48%	0.38%	‡‡‡‡‡	‡‡‡‡‡
ROIC	0.00%	(0.08%)	2.43%	2.67%	‡‡‡‡‡	‡‡‡‡‡
Cash ROIC	(35.31%)	(19.78%)	(16.42%)	(13.47%)	‡‡‡‡‡	‡‡‡‡‡
Return on Tangible Assets	(1.15%)	1.02%	8.39%	38.59%	‡‡‡‡‡	‡‡‡‡‡
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡
Accounts Payable Turnover	—	0.01	0.01	0.01	‡‡‡‡‡	‡‡‡‡‡
Inventory Turnover	—	0.00	0.00	0.00	‡‡‡	‡‡‡
Average Days of Receivables	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡
Average Days of Payables	—	32,655.00	38,627.11	67,635.32	‡‡‡‡‡	‡‡‡‡‡
Days of Inventory on Hand	—	0.00	0.00	0.00	‡‡‡	‡‡‡
Research and Development Expense of Revenue	0.00%	0.00%	0.00%	0.00%	‡‡‡	‡‡‡
Selling, General and Administrative Expense of Revenue	0.00%	81.01%	73.71%	77.46%	‡‡‡‡‡	‡‡‡‡‡
Intangible Assets out of Total Assets	0.01	0.00	0.00	0.00	‡‡‡‡‡	‡‡‡‡‡
Share Based Compensation of Revenue	0.00%	0.00%	0.00%	0.00%	‡‡‡‡‡	‡‡‡‡‡
Graham Net Nets	(1.22)	(1.22)	(1.22)	(1.25)	‡‡‡‡‡	‡‡‡‡‡
Graham Number	0.00	0.00	0.00	15.67	‡‡‡‡‡	‡‡‡
Earnings Yield	4.86%	4.86%	4.86%	4.95%	‡‡‡‡‡	‡‡‡‡‡
Free Cash Flow Yield	3.10%	3.10%	3.10%	12.97%	‡‡‡‡‡	‡‡‡‡‡
Revenue per Share	5.10	6.64	7.08	6.94	‡‡‡‡‡	‡‡‡‡‡
Operating CF per Share	(0.19)	0.56	0.41	1.45	‡‡‡‡‡	‡‡‡‡‡
Capex per Share	0.00	(0.27)	(0.05)	0.10	‡‡‡‡‡	‡‡‡‡‡
Free Cash Flow per Share	(0.19)	0.29	0.36	1.55	‡‡‡‡‡	‡‡‡‡‡
Cash per Share	0.00	5.48	10.94	8.93	‡‡‡‡‡	‡‡‡‡‡
Shareholders Equity per Share	11.11	11.49	12.18	18.49	‡‡‡‡‡	‡‡‡‡‡
Interest Debt per Share	0.00	0.00	0.00	0.00	‡‡‡‡‡	‡‡‡‡‡
Book value per Share	11.11	11.49	12.18	18.49	‡‡‡‡‡	‡‡‡‡‡
Free Cash Flow	(0.46)	0.71	0.88	3.64	‡‡‡‡‡	‡‡‡‡‡
Working Capital	—	(9.05)	4.10	(11.68)	‡‡‡‡‡	‡‡‡‡‡
Capital Expenditures	(0.95)	(0.66)	(0.12)	0.24	‡‡‡‡‡	‡‡‡‡‡
Net Current Asset Value	(290.79)	(45.03)	(30.26)	(35.10)	‡‡‡‡‡	‡‡‡‡‡
Average Payables	—	296.44	296.44	310.80	‡‡‡‡‡	‡‡‡‡‡
Average Assets	332.86	332.86	360.67	376.37	‡‡‡‡‡	‡‡‡‡‡
Average Common Equity	27.80	27.80	29.06	36.68	‡‡‡‡‡	‡‡‡‡‡
EV/EBIT	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡
Capex to Sales	0.00	0.04	0.01	(0.01)	‡‡‡‡‡	‡‡‡‡‡
Net Profit Margin	(1.70%)	0.53%	10.06%	8.65%	‡‡‡‡‡	‡‡‡‡‡
Price to Operating Income	24.98	24.98	24.98	14.05	‡‡‡‡‡	‡‡‡

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