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GENERATIONS BANCORP NY INC (GBNY) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:GBNY - US37149G1085 - Common Stock

15.69 USD
+0.19 (+1.23%)
Last: 10/4/2024, 8:21:54 PM
15.4 USD
-0.29 (-1.85%)
After Hours: 10/4/2024, 8:21:54 PM
Fundamental Rating

1

Overall GBNY gets a fundamental rating of 1 out of 10. We evaluated GBNY against 383 industry peers in the Banks industry. While GBNY seems to be doing ok healthwise, 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

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.
  • In the past 5 years GBNY always reported a positive cash flow from operatings.
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.
  • GBNY's Return On Equity of -7.40% is on the low side compared to the rest of the industry. GBNY is outperformed by 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

  • The Profit Margin and Operating Margin and Gross Margin are not available for GBNY so they could not be analyzed.
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.
  • GBNY has less shares outstanding than it did 1 year ago.
  • 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.
  • GBNY shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.28%.
  • 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

  • GBNY does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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GENERATIONS BANCORP NY INC / GBNY FAQ

What is the fundamental rating for GBNY stock?

ChartMill assigns a fundamental rating of 1 / 10 to GBNY.


Can you provide the valuation status for GENERATIONS BANCORP NY INC?

ChartMill assigns a valuation rating of 0 / 10 to GENERATIONS BANCORP NY INC (GBNY). This can be considered as Overvalued.


How profitable is GENERATIONS BANCORP NY INC (GBNY) stock?

GENERATIONS BANCORP NY INC (GBNY) has a profitability rating of 1 / 10.


How financially healthy is GENERATIONS BANCORP NY INC?

The financial health rating of GENERATIONS BANCORP NY INC (GBNY) is 4 / 10.