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GENERATIONS BANCORP NY INC (GBNY) Stock Fundamental Analysis

NASDAQ:GBNY - Nasdaq - US37149G1085 - Common Stock - Currency: USD

15.69  +0.19 (+1.23%)

After market: 15.4 -0.29 (-1.85%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to GBNY. GBNY was compared to 392 industry peers in the Banks industry. The financial health of GBNY is average, but there are quite some concerns on its profitability. GBNY is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

GBNY had negative earnings in the past year.
GBNY had a negative operating cash flow in the past year.
GBNY had positive earnings in 4 of the past 5 years.
Each year in the past 5 years GBNY had a positive operating cash flow.
GBNY Yearly Net Income VS EBIT VS OCF VS FCFGBNY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 0 1M -1M 2M 3M

1.2 Ratios

The Return On Assets of GBNY (-0.66%) is worse than 97.02% of its industry peers.
The Return On Equity of GBNY (-7.40%) is worse than 97.27% of its industry peers.
Industry RankSector Rank
ROA -0.66%
ROE -7.4%
ROIC N/A
ROA(3y)0.1%
ROA(5y)0.16%
ROE(3y)0.67%
ROE(5y)1.64%
ROIC(3y)N/A
ROIC(5y)N/A
GBNY Yearly ROA, ROE, ROICGBNY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 0 2 -2 4 -4

1.3 Margins

GBNY does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
GBNY Yearly Profit, Operating, Gross MarginsGBNY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 0 5 -5 10 -10

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4

2. Health

2.1 Basic Checks

GBNY does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, GBNY has less shares outstanding
There is no outstanding debt for GBNY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
GBNY Yearly Shares OutstandingGBNY Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 500K 1M 1.5M 2M
GBNY Yearly Total Debt VS Total AssetsGBNY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 100M 200M 300M 400M

2.2 Solvency

There is no outstanding debt for GBNY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.01%
GBNY Yearly LT Debt VS Equity VS FCFGBNY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 10M 20M 30M 40M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GBNY Yearly Current Assets VS Current LiabilitesGBNY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 5M 10M 15M

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0

3. Growth

3.1 Past

The earnings per share for GBNY have decreased strongly by -12405.60% in the last year.
Looking at the last year, GBNY shows a very negative growth in Revenue. The Revenue has decreased by -19.28% in the last year.
Measured over the past years, GBNY shows a decrease in Revenue. The Revenue has been decreasing by -6.90% on average per year.
EPS 1Y (TTM)-12405.6%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-460.1%
Revenue 1Y (TTM)-19.28%
Revenue growth 3Y-6.9%
Revenue growth 5YN/A
Sales Q2Q%-23.04%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
GBNY Yearly Revenue VS EstimatesGBNY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 5M 10M

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for GBNY. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
GBNY Price Earnings VS Forward Price EarningsGBNY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
GBNY Per share dataGBNY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for GBNY!.
Industry RankSector Rank
Dividend Yield N/A

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GENERATIONS BANCORP NY INC

NASDAQ:GBNY (10/4/2024, 8:21:54 PM)

After market: 15.4 -0.29 (-1.85%)

15.69

+0.19 (+1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)02-04 2022-02-04
Inst Owners29.67%
Inst Owner Change-57.69%
Ins Owners3.24%
Ins Owner Change0%
Market Cap35.15M
Analysts0
Price TargetN/A
Short Float %0.14%
Short Ratio0.18
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.43
P/FCF N/A
P/OCF N/A
P/B 0.99
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)-1.23
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.16
FCFYN/A
OCF(TTM)-0.06
OCFYN/A
SpS4.58
BVpS15.87
TBVpS15.59
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.66%
ROE -7.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.1%
ROA(5y)0.16%
ROE(3y)0.67%
ROE(5y)1.64%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 21.99%
Cap/Sales 2.17%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC7.01%
ROIC/WACCN/A
Cap/Depr(3y)40.23%
Cap/Depr(5y)42.46%
Cap/Sales(3y)3.16%
Cap/Sales(5y)3.45%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-12405.6%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-460.1%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-19.28%
Revenue growth 3Y-6.9%
Revenue growth 5YN/A
Sales Q2Q%-23.04%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-115.43%
FCF growth 3Y29.44%
FCF growth 5YN/A
OCF growth 1Y-104.85%
OCF growth 3Y26.76%
OCF growth 5YN/A