Generations Bancorp NY, Inc. (GBNY)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 12 | 13 | 11 | 9 | 9 | 8 | 8 | - |
| Operating profit | $m | -5 | -5 | ||||||
| Net profit | $m | 2 | 1 | 1 | -2 | -5 | -5 | -5 | - |
| EPS reported | $ | -2.06 | -2.06 | ||||||
| Operating cashflow per share | $ | 0.77 | 0.00 | ||||||
| Capex per share | $ | 0.01 | 0.00 | ||||||
| FCF per share | $ | 0.76 | 0.00 | ||||||
| Free cash flow | $m | 2 | -0 | ||||||
| Net debt | $m | 14 | 14 | ||||||
| Book value equity | $m | 33 | 33 | ||||||
| Book value per share | $ | 14.61 | 14.61 | ||||||
| Number of shares | m | 2.28 | 2.28 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | - | ||||||
| P/B LTM | x | 1.23 | 1.23 | ||||||
| P/S LTM | x | 4.94 | 5.30 | ||||||
| P/FCF LTM | x | 23.72 | -113.27 | ||||||
| EV/EBITDA LTM | x | -14.32 | -11.92 | ||||||
| EV/Sales LTM | x | 3.35 | 3.07 | ||||||
| Earnings Yield LTM | % | -11.45% | -13.57% | ||||||
| FCF Yield | % | +4.22% | -0.88% | ||||||
| Quality | |||||||||
| ROE | % | -14.07% | -13.76% | ||||||
| ROIC | % | -8.70% | -1.33% | ||||||
| Operating margin | % | -28.11% | -29.09% | ||||||
| Gross margin | % | +43.32% | +41.54% | ||||||
| FCF/Sales | % | +10.43% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | -5.88% | -12.20% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.10 | -0.02 | ||||||
| Net Debt/EBITDA | x | -3.75 | -3.12 | ||||||
| EBIT/Net interest | x | -0.56 | -0.56 | ||||||
| Net debt/market cap | % | +42.39% | +50.22% | ||||||
| Net debt/Equity | x | 0.44 | 0.44 | ||||||
| Gross debt/equity | x | 0.52 | 0.52 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Generations Bancorp NY, Inc. (GBNY)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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