Generations Bancorp NY, Inc.

GBNY

Generations Bancorp NY, Inc.

GBNY

Insider Sentiment (TTM):

Last Purchase:2023-06-13Last Sale:-Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2024-09-30Institutional Shares Owned:661,280Shares Outstanding:2,145,000Institutional Ownership Pct.:30.83%

Earnings Market Reaction:

Filing Date:2024-08-09Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Financial Statements

10‑Q10‑K

Values in Millions ($)	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30
Cash And Due From Banks	4	3	4	3	3	4	4	3	4	3	4	6
Interest Bearing Deposits In Banks	6	3	11	2	2	2	4	4	9	20	17	7
Cash And Cash Equivalents At Carrying Value	10	6	15	6	5	6	8	7	13	24	21	12
Debt Securities Available For Sale Excluding Accru…	26	28	31	30	31	33	33	32	33	36	37	37
Held To Maturity Securities	-	-	-	-	-	-	2	1	1	1	2	1
Debt Securities Held To Maturity Excluding Accrued…	1	1	1	1	2	2	2	-	-	-	-	-
Equity Securities Fv Ni Current And Noncurrent	0	0	0	0	0	0	0	0	0	0	0	0
Federal Home Loan Bank Stock	2	2	2	2	1	1	2	2	1	1	1	2
Financing Receivable Excluding Accrued Interest Be…	325	332	336	331	318	311	306	294	283	276	280	289
Assets
Assets	402	411	424	409	395	389	386	374	370	377	379	377
Financing Receivable Allowance For Credit Loss Exc…	-3	-3	-3	-3	-3	-3	-2	-2	-2	-2	-2	-2
Financing Receivable Excluding Accrued Interest Af…	322	329	333	329	315	308	304	292	281	274	278	287
Property Plant And Equipment Net	14	14	14	14	15	15	15	15	15	15	15	16
Bank Owned Life Insurance	6	6	6	7	7	7	7	7	8	8	8	8
Defined Benefit Plan Fair Value Of Plan Assets	14	13	13	12	11	11	11	12	12	12	11	10
Other Real Estate And Foreclosed Assets	-	-	0	0	0	0	0	0	0	-	0	0
Goodwill	-	-	0	-	-	1	1	1	1	1	1	1
Intangible Assets Net Excluding Goodwill	1	1	1	1	1	1	1	1	1	1	1	1
Interest Receivable	2	2	2	2	1	1	1	1	1	1	1	1
Other Assets	2	2	2	3	2	2	2	2	2	2	2	1
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities	49	51	52	53	51	53	55	58	57	58	58	58
Deposits
Deposits	339	344	358	345	333	337	318	308	312	315	312	312
Interest Bearing Deposit Liabilities	290	293	306	291	282	285	263	251	254	257	255	254
Short Term Borrowings	-	3	-	-	9	2	16	14	-	-	-	-
Advance Payments By Borrowers For Taxes And Insura…	3	2	3	2	3	2	3	2	3	2	2	1
Deferred Income Tax Liabilities Net	-	-	-	-	-	-	-	-	-	1	1	-
Other Liabilities	3	2	3	3	3	3	2	2	2	2	3	2
Liabilities	366	374	387	374	358	352	349	336	331	335	335	335
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	22	22	22	22	23	23	23	23	24	24	24	24
Retained Earnings Accumulated Deficit	20	20	21	22	22	22	23	22	22	22	22	21
Stockholders Equity
Accumulated Other Comprehensive Income Loss Net Of…	-5	-5	-4	-7	-6	-6	-6	-6	-5	-3	-1	-1
Stockholders Equity	36	37	38	35	37	38	37	38	39	42	43	42
Common Stock Shares Held In Employee Trust	-0	-0	-0	-1	-1	-1	-1	-1	-1	-1	-1	-1
Unearned E S O P Shares	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1
Liabilities And Stockholders Equity	402	411	424	409	395	389	386	374	370	377	379	377
Held To Maturity Securities Fair Value	1	1	1	1	1	1	1	1	1	1	2	1
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	14	14	14	14	14	14	14	14	14	14	14	14
Common Stock Shares Issued	2	2	2	2	2	2	2	2	2	2	2	2
Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2

Subscribe to unlock 17+ years of financial data, unlimited metrics, and saved tables

Start 7-day free trial

Subscribe to unlock 17+ years of data, unlimited metrics, and saved tables

Start free trial

Custom Table

10‑Q10‑K

0/5

Search a metric to start building a table

Subscribe to unlock 17+ years of financial data, unlimited metrics, transformations, and saved visuals

Start 7-day free trial

Subscribe to unlock 17+ years of data, unlimited metrics, transformations, and saved visuals

Start free trial

Interactive Financial Visualizations

10‑Q10‑K

Stock Price:

OnOff

Transformations:

0/1

Search a metric to start building a visual

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2024	4.46%	1.39%	2.67%	-2.67%	46.69%	37.84%	-	-	-	-	-	-
2023	-3.01%	-0.87%	2.73%	-3.98%	-13.18%	-13.48%	-2.24%	18.72%	24.22%	-1.54%	1.11%	-2.46%
2022	1.56%	-0.87%	-3.29%	-1.68%	-2.21%	-2.50%	-0.28%	-1.65%	0.46%	-4.68%	-18.70%	-16.27%
2021	-	-	-	-	-	-	2.20%	5.02%	4.69%	-4.30%	-2.43%	-2.43%
Earnings Market Reaction data beyond 3 years is for subscribers only. Unlock the full earnings market reaction history Start 7-day free trial

Subscribe to unlock 17+ years of financial data and 90+ calculated metrics

Start 7-day free trial

Subscribe to unlock 17+ years of data and 90+ calculated metrics

Start free trial

Performance and Valuation Metrics

Rows marked with a lock icon are subscribers only — subscribe to unlock 90+ calculated metrics and 17+ years of history.

Metrics	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30
Leverage & Debt
Interest Coverage TTM	0.65	0.72	0.74	0.80	1.00	1.23	1.67	2.27	2.15	2.11	2.01	1.59
Per Share Metrics
Diluted EPS TTM	-1.23	-0.92	-0.72	-0.43	0.01	0.24	0.47	0.68	0.61	0.62	0.60	0.85
Free Cash Flow Per Share TTM	-0.17	0.30	0.76	0.81	2.28	2.00	1.68	1.97	0.99	1.06	1.27	0.86
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	44.19%	47.66%	53.56%	62.01%	71.77%	79.55%	85.46%	88.87%	88.95%	88.47%	87.62%	82.68%
Operating Profit Margin TTM	-19.42%	-14.77%	-12.21%	-7.58%	0.11%	4.63%	9.79%	14.17%	12.74%	12.82%	12.47%	10.21%
Net Profit Margin TTM	-15.04%	-11.52%	-9.60%	-5.96%	0.19%	3.90%	8.17%	11.88%	10.74%	10.76%	10.39%	9.90%
Growth Metrics
Net Revenue Growth (1Y)	20.72%	23.09%	22.65%	17.09%	8.82%	2.19%	-2.20%	-35.17%	-33.64%	-	-	-
Net Income Growth (1Y)	-9,510.71%	-463.64%	-244.16%	-158.69%	-98.04%	-62.98%	-23.07%	-22.17%	-42.02%	-	-	-
EPS Growth (1Y)	-9,918.73%	-480.98%	-251.99%	-162.70%	-97.96%	-61.15%	-21.67%	-20.51%	-41.68%	-	-	-
Valuation Metrics
P/E TTM	-8.34	-10.92	-14.18	-19.90	724.95	42.39	22.95	16.30	18.57	19.09	19.83	13.42
P/B TTM	0.62	0.58	0.59	0.52	0.55	0.61	0.67	0.67	0.68	0.66	0.64	0.63
P/S TTM	1.25	1.26	1.36	1.18	1.40	1.65	1.88	1.94	1.99	2.05	2.06	1.33
Market Cap	21.99M	21.40M	22.22M	18.21M	20.30M	22.85M	24.95M	25.40M	26.60M	27.79M	28.02M	26.88M
Enterprise Value	12.15M	18.45M	24.52M	12.69M	24.27M	18.75M	33.14M	31.61M	13.64M	4.12M	7.03M	14.70M
Calculated Values
Free Cash Flow TTM	-361.00K	651.00K	1.67M	1.75M	5.10M	4.47M	3.89M	4.52M	2.30M	2.49M	2.98M	2.03M
Net Debt	-9.83M	-2.95M	2.30M	-5.51M	3.98M	-4.10M	8.20M	6.20M	-12.96M	-23.67M	-21.00M	-12.19M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Insider Transactions

2023-06-13Purchase

Owner: Dyson, Derek M

Title: SVP, Chief Information Officer

Shares: 288

Price/Share: $9.03

Value: $2,600.64

Shares Owned: 1,878

Relationship: Officer

Ownership: Indirect

2023-06-13Purchase

Owner: Jones, Bradford M

Title: -

Shares: 409

Price/Share: $9.03

Value: $3,693.27

Shares Owned: 24,515

Relationship: Director,Other

Ownership: Indirect

2023-06-13Purchase

Owner: Nicchi, Frank

Title: -

Shares: 363

Price/Share: $9.03

Value: $3,277.89

Shares Owned: 6,630

Relationship: Director

Ownership: Indirect

2023-06-13Purchase

Owner: Aikman, Cynthia S

Title: -

Shares: 490

Price/Share: $9.03

Value: $4,424.70

Shares Owned: 2,658

Relationship: Director

Ownership: Indirect

2023-06-13Purchase

Owner: Case, Menzo D

Title: President and CEO

Shares: 3,271

Price/Share: $9.03

Value: $29,537.13

Shares Owned: 34,495

Relationship: Director,Officer

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2023-06-13	Dyson, Derek M	Officer	SVP, Chief Information Officer	Indirect	Purchase	288	9.03	$2,600.64	1,878	4
2023-06-13	Jones, Bradford M	Director,Other	-	Indirect	Purchase	409	9.03	$3,693.27	24,515	4
2023-06-13	Nicchi, Frank	Director	-	Indirect	Purchase	363	9.03	$3,277.89	6,630	4
2023-06-13	Aikman, Cynthia S	Director	-	Indirect	Purchase	490	9.03	$4,424.70	2,658	4
2023-06-13	Case, Menzo D	Director,Officer	President and CEO	Indirect	Purchase	3,271	9.03	$29,537.13	34,495	4
2022-08-10	Krezmer, Angela M	Officer	SVP and CFO	Direct	Purchase	100	11.50	$1,150.00	12,521	4
2022-05-23	Nicchi, Frank	Director	-	Indirect	Purchase	240	11.68	$2,803.20	6,267	4
2022-05-23	Case, Menzo D	Director,Officer	President and CEO	Indirect	Purchase	2,480	11.68	$28,966.40	31,224	4
2022-05-23	Aikman, Cynthia S	Director	-	Indirect	Purchase	340	11.68	$3,971.20	2,168	4
2022-05-23	Sinicropi, August P	Director	-	Indirect	Purchase	240	11.68	$2,803.20	3,590	4
2022-05-23	Jones, Bradford M	DirectorOther	-	Indirect	Purchase	261	11.68	$3,048.48	24,106	4
2021-02-10	Case, Menzo D	Director,Officer	President and CEO	Indirect	Purchase	153	9.70	$1,484.10	28,744	4
Additional insider transactions are for subscribers only. Unlock the complete Form 4 filing history Start 7-day free trial

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Institutional Ownership

No data available for chart

2024-09-30

30.83%

Inst. Shares: 661,280

Shares Outstanding: 2,145,000

2024-06-30

29.25%

Inst. Shares: 627,502

Shares Outstanding: 2,145,000

2024-03-31

29.41%

Inst. Shares: 628,703

Shares Outstanding: 2,138,000

2023-12-31

27.72%

Inst. Shares: 607,266

Shares Outstanding: 2,191,000

2023-09-30

26.03%

Inst. Shares: 560,268

Shares Outstanding: 2,152,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2024-09-30	661,280	2,145,000	30.83%
2024-06-30	627,502	2,145,000	29.25%
2024-03-31	628,703	2,138,000	29.41%
2023-12-31	607,266	2,191,000	27.72%
2023-09-30	560,268	2,152,000	26.03%
2023-06-30	555,619	2,238,000	24.83%
2023-03-31	592,951	2,240,000	26.47%
2022-12-31	586,233	2,310,000	25.38%
2022-09-30	748,629	2,299,000	32.56%
2022-06-30	834,582	2,333,000	35.77%
2022-03-31	914,620	2,351,000	38.90%
2021-12-31	899,712	2,352,000	38.25%
Additional institutional holders are for subscribers only. Unlock the complete Form 13F ownership history Start 7-day free trial

Generations Bancorp NY, Inc. (GBNY) — SEC Financial Statements & Analysis

Generations Bancorp NY, Inc. (GBNY) is a savings institution, federally chartered company. Generations Bancorp NY, Inc. trades on OTC as: GBNY. Based on its latest SEC filing (Form 10-Q, period ending 2024-06-30), Generations Bancorp NY, Inc. reported a 20.72% year-over-year revenue growth, a Gross Profit Margin of 44.19% (TTM), a Price-to-Sales (P/S) ratio of 1.25x (TTM), a Price-to-Book (P/B) ratio of 0.62x (TTM), at a market cap of $21.99M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 20.72%
Gross Profit Margin TTM: 44.19%
P/S TTM: 1.25x
P/B TTM: 0.62x
Market Cap: $21.99M

Data as of 2024-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Generations Bancorp NY, Inc. in?

Generations Bancorp NY, Inc. (GBNY) operates in the Savings Institution, Federally Chartered industry.

What is GBNY's market cap?

Generations Bancorp NY, Inc. (GBNY) has a market capitalization of $21.99M as of 2024-06-30.

What exchange does GBNY trade on?

Generations Bancorp NY, Inc. (GBNY) trades on the OTC.