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

Fold the line items

Columns are period end dates

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