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GENERATIONS BANCORP NY INC (GBNY) Stock Fundamental Analysis

USA - 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

Taking everything into account, GBNY scores 1 out of 10 in our fundamental rating. GBNY was compared to 390 industry peers in the Banks industry. The financial health of GBNY is average, but there are quite some concerns on its profitability. GBNY has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year GBNY has reported negative net income.
GBNY had a negative operating cash flow in the past year.
Of the past 5 years GBNY 4 years were profitable.
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

Looking at the Return On Assets, with a value of -0.66%, GBNY is doing worse than 97.02% of the companies in the same industry.
GBNY has a worse Return On Equity (-7.40%) 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

More info and screens

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.
GBNY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

GBNY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

GBNY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12405.60%.
The Revenue for GBNY has decreased by -19.28% in the past year. This is quite bad
GBNY shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.90% yearly.
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

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
Revenue(TTM)10.26M
Net Income(TTM)-2632000
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
Graham NumberN/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
ROICexgc growth 3YN/A
ROICexgc 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

GENERATIONS BANCORP NY INC / GBNY FAQ

What is the fundamental rating for GBNY stock?

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


What is the valuation status for GBNY stock?

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.