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STOCKS

Generations Bancorp NY (GBNY)

OTHER OTC:GBNY

GBNY

Generations Bancorp NY

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Generations Bancorp NY (GBNY) Ratios

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6 Followers

Generations Bancorp NY Ratios

GBNY's free cash flow for Q2 2024 was $0.79. For the 2024 fiscal year, GBNY's free cash flow was decreased by $ and operating cash flow was $-0.15. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.25	21.12	0.32	0.45
Quick Ratio	0.00	0.25	2.94	0.44	0.72
Cash Ratio	0.00	0.07	0.49	0.11	0.26
Solvency Ratio	-0.01	>-0.01	<0.01	0.13	0.10
Operating Cash Flow Ratio	0.00	<0.01	0.18	0.02	<0.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.18	0.00	0.00
Net Current Asset Value	$ -339.42M	$ -320.36M	$ -6.78M	$ 40.99M	$ 17.07M
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.06	0.07	0.05	0.08
Debt-to-Equity Ratio	0.56	0.63	0.71	0.41	0.97
Debt-to-Capital Ratio	0.36	0.38	0.42	0.29	0.49
Long-Term Debt-to-Capital Ratio	0.36	0.35	0.22	0.29	0.49
Financial Leverage Ratio	10.94	11.26	10.35	8.72	12.48
Debt Service Coverage Ratio	-2.24	0.06	-0.01	-0.17	0.04
Interest Coverage Ratio	-2.02	0.00	1.67	1.01	0.56
Debt to Market Cap	0.49	0.90	1.06	0.63	1.16
Interest Debt Per Share	9.34	14.22	12.32	8.27	12.93
Net Debt to EBITDA	-4.15	0.00	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	7.82%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	-26.20%	-10.77%	-8.85%	-8.66%	-8.93%
EBITDA Margin	-26.20%	0.00%	0.00%	0.00%	0.00%
Operating Profit Margin	-26.20%	0.00%	28.43%	13.45%	13.16%
Pretax Profit Margin	-26.20%	-21.08%	11.44%	13.45%	13.16%
Net Profit Margin	-29.07%	-16.58%	9.55%	11.21%	13.99%
Continuous Operations Profit Margin	-29.07%	-16.58%	9.55%	11.21%	13.99%
Net Income Per EBT	110.97%	78.66%	83.42%	83.31%	106.33%
EBT Per EBIT	100.00%	0.00%	40.25%	100.00%	100.00%
Return on Assets (ROA)	-1.36%	-0.37%	0.28%	0.37%	0.47%
Return on Equity (ROE)	-14.52%	-4.16%	2.91%	3.25%	5.85%
Return on Capital Employed (ROCE)	-1.23%	0.00%	0.87%	0.89%	0.61%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.75%	-1.92%	-9.76%
Return on Tangible Assets	-1.36%	-0.37%	0.28%	0.37%	0.47%
Earnings Yield	-13.11%	-7.05%	4.36%	5.04%	7.05%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.04	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	1.35	0.67	0.77	0.82	0.75
Asset Turnover	0.05	0.02	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.12	0.15	0.12	-0.14	-0.30
Cash Conversion Cycle	0.00	0.00	9.78K	0.00	0.00
Days of Sales Outstanding	0.00	0.00	9.78K	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	9.78K	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.69	0.93	1.28	1.45	0.41
Free Cash Flow Per Share	0.68	0.76	1.08	1.27	0.31
CapEx Per Share	<0.01	0.17	0.20	0.18	0.09
Free Cash Flow to Operating Cash Flow	0.99	0.82	0.84	0.88	0.77
Dividend Paid and CapEx Coverage Ratio	78.90	5.55	6.39	8.00	4.32
Capital Expenditure Coverage Ratio	78.90	5.55	6.39	8.00	4.32
Operating Cash Flow Coverage Ratio	0.08	0.09	0.11	0.19	0.03
Operating Cash Flow to Sales Ratio	0.09	0.22	0.26	0.27	0.08
Free Cash Flow Yield	4.02%	7.52%	9.96%	10.62%	3.09%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-7.63	-14.18	22.95	19.84	14.19
Price-to-Sales (P/S) Ratio	2.22	2.35	2.19	2.22	1.99
Price-to-Book (P/B) Ratio	1.13	0.59	0.67	0.64	0.83
Price-to-Free Cash Flow (P/FCF) Ratio	24.86	13.30	10.04	9.42	32.34
Price-to-Operating Cash Flow Ratio	24.55	10.91	8.47	8.24	24.85
Price-to-Earnings Growth (PEG) Ratio	-1.96	0.06	-1.06	-1.28	<0.01
Price-to-Fair Value	1.13	0.59	0.67	0.64	0.83
Enterprise Value Multiple	-12.62	0.00	0.00	0.00	0.00
Enterprise Value	57.76M	26.91M	43.48M	24.15M	26.83M
EV to EBITDA	-12.62	0.00	0.00	0.00	0.00
EV to Sales	3.31	2.85	3.82	1.92	2.15
EV to Free Cash Flow	37.07	16.11	17.49	8.11	34.99
EV to Operating Cash Flow	36.60	13.21	14.75	7.10	26.89
Tangible Book Value Per Share	14.73	16.91	15.51	152.42	139.35
Shareholders’ Equity Per Share	14.98	17.21	16.16	18.49	12.16
Tax and Other Ratios
Effective Tax Rate	-0.11	0.21	0.17	0.17	-0.06
Revenue Per Share	7.67	4.31	4.93	5.36	5.08
Net Income Per Share	-2.23	-0.72	0.47	0.60	0.71
Tax Burden	1.11	0.79	0.83	0.83	1.06
Interest Burden	1.00	1.96	-1.29	-1.55	-1.47
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.06	0.64	0.43	0.42	0.45
Stock-Based Compensation to Revenue	<0.01	0.05	0.02	<0.01	<0.01
Income Quality	-1.88	-1.30	2.71	2.41	0.57

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