GENERATIONS BANCORP NY INC (GBNY)

US37149G1085 - Common Stock

10.2247  +0.22 (+2.25%)

Fundamental Rating

2

Taking everything into account, GBNY scores 2 out of 10 in our fundamental rating. GBNY was compared to 411 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.



Quickly go to:

2

1. Profitability

1.1 Basic Checks

GBNY had negative earnings in the past year.
In the past year GBNY had a positive cash flow from operations.
Of the past 5 years GBNY 4 years were profitable.
In the past 5 years GBNY always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.37%, GBNY is doing worse than 95.86% of the companies in the same industry.
GBNY's Return On Equity of -4.15% is on the low side compared to the rest of the industry. GBNY is outperformed by 95.62% of its industry peers.
Industry RankSector Rank
ROA -0.37%
ROE -4.15%
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

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

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.
The number of shares outstanding for GBNY has been reduced compared to 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.

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 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.4%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

More info and screens

0

3. Growth

3.1 Past

GBNY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -253.95%.
The Revenue for GBNY has decreased by -13.12% in the past year. This is quite bad
Measured over the past years, GBNY shows a decrease in Revenue. The Revenue has been decreasing by -6.74% on average per year.
EPS 1Y (TTM)-253.95%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-1517.9%
Revenue 1Y (TTM)-13.12%
Revenue growth 3Y-6.74%
Revenue growth 5YN/A
Revenue growth Q2Q-1.27%

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.

More info and screens

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

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of GBNY indicates a slightly more expensive valuation: GBNY is more expensive than 70.07% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 13.71
EV/EBITDA N/A

4.3 Compensation for Growth

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

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

GENERATIONS BANCORP NY INC

NASDAQ:GBNY (4/26/2024, 7:00:00 PM)

10.2247

+0.22 (+2.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap22.90M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.37%
ROE -4.15%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-253.95%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-13.12%
Revenue growth 3Y-6.74%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y