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Generations Bancorp NY (GBNY) Key Ratios

Stock Card factsheet share-fund-plan-icon

$15.31

up-down-arrow $-0.16 (-1.03%)

As on 28-Aug-2026 16:00EDT

Market cap

info icon

$35 Mln

Revenue (TTM)

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$16 Mln

P/E Ratio

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--

P/B Ratio

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1.1

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue -23.71 -26.66 -10.19 6.25 0.74
EBIT -- -- 17.82 -252.79 -223.10
Net Profit -382.10 -3.21 1.95 -262.70 -222.00
EPS -382.23 -3.23 3.71 -263.94 -223.84
Book Value -- -- -5.96 -2.77 3.74
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsDec-25Dec-24Dec-23
EBIT-Margin info -23.32-9.66-28.11-30.14-11.70
Net Margin info ----------
Return on equity info -10.29-4.87-13.63-13.07-4.18
Return on Capital info -6.51-3.09-8.84-8.19-2.50
Return on Assets info -0.95-0.44-1.27-1.18-0.39
Debt to Equity (x) info ----0.520.560.63

Profitability

View Detailed Peer Comparison

ROCE

-8.84

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
-8.84
-8.19
-2.50
1.74
2.36
Peer Median
--
--
--
--
--
ROE

-13.63

--

Profit after tax / Average Net worth * 100

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
-13.63
-13.07
-4.18
2.69
3.85
Peer Median
--
--
--
--
--
ROA

-1.27

--

Profit after tax / Average Total assets * 100

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
-1.27
-1.18
-0.39
0.28
0.38
Peer Median
--
--
--
--
--
EBIT Margin

-28.11

--

Operating profit (EBIT) / Net Sales * 100

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
-28.11
-30.14
-11.70
9.78
11.87
Peer Median
--
--
--
--
--
Net Margin

-28.32

--

Net profit / Total Income (Net sales plus other income) * 100

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
-28.32
-25.45
-9.20
8.16
9.89
Peer Median
--
--
--
--
--

Growth

View Detailed Peer Comparison

Revenue Growth

-0.12

--

Year on year growth in net sales

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
-0.12
0.10
0.28
-0.07
-0.07
Peer Median
--
--
--
--
--
EBIT Growth

17.82

--

Year on year growth in operating profit (EBIT)

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
17.82
-183.94
-252.88
-23.17
3.16
Peer Median
--
--
--
--
--
Net Profit Growth

1.95

--

Year on year growth in profit after tax

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
1.95
-204.72
-244.16
-23.07
-19.16
Peer Median
--
--
--
--
--
EPS Growth

0.02

--

Year on year growth in earnings per share

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
0.02
-1.99
-2.51
-0.23
-0.15
Peer Median
--
--
--
--
--

Solvency

View Detailed Peer Comparison

Debt to Equity

0.52

--

Total debt / Net worth

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
0.52
0.56
0.63
0.71
0.41
Peer Median
--
--
--
--
--
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
--
0.07
0.09
0.43
0.15
Peer Median
--
--
--
--
--
Current Ratio

0.01

--

Current Assets / Current Liabilities and Provisions

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
0.01
0.06
0.25
0.13
0.19
Peer Median
--
--
--
--
--
Quick Ratio

--

--

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
--
--
0.25
-0.76
0.26
Peer Median
--
--
--
--
--
Interest Coverage

-0.56

--

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
-0.56
-0.57
-0.26
0.67
1.01
Peer Median
--
--
--
--
--

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

7.22

--

Debtors outstanding / Net Sales * 100

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
7.22
9.10
14.57
9.79
8.74
Peer Median
--
--
--
--
--
Asset Turnover

0.04

--

Sales / Average Total Assets

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
0.04
0.05
0.04
0.03
0.04
Peer Median
--
--
--
--
--
Receivable days

32.05

--

Average Debtors / Sales * 365

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
32.05
40.77
40.59
35.00
31.02
Peer Median
--
--
--
--
--
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
--
49.34
6,353.68
19,340.24
-4,186.00
Peer Median
--
--
--
--
--
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
--
--
--
44,435.05
51,042.62
Peer Median
--
--
--
--
--
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
--
--
--
-25,059.81
-55,197.60
Peer Median
--
--
--
--
--

Valuation

View Detailed Peer Comparison

Price / Earnings

-8.64

--

Current share price divided by earning per share in the last twelve months

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
-8.64
-7.21
-14.47
23.34
19.80
Peer Median
--
--
--
--
--
Price / Book Value

1.22

--

Current share price divided by book value per share in the latest financial year

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
1.22
0.97
0.60
0.68
0.64
Peer Median
--
--
--
--
--
EV/EBITDA

-7.76

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
Dec-25
Dec-24
Dec-23
Dec-22
Dec-21
Generations Bancorp NY (GBNY)
-7.76
-3.59
4.05
4.69
-4.39
Peer Median
--
--
--
--
--
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