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GBNY

Generations Bancorp NY, Inc.

Financial Services · USD

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Price alert · GBNY

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16.23 USD 0.00 0.00%
As of Sep 14, 2026
16.20 Day range 16.24
8.30 52-week range 16.18
YTD
-9.58%
1 year
-0.92%
Open
16.21
Prev close
16.23
Mkt cap
34.27M
Vol
1.00K
Avg vol
16.68K
EPS
-1.23
P/E
-7.90
Div yield
0.00%
More statistics
Low
16.20
High
16.24
Forward P/E
0.00
Beta
0.44
Short ratio
0.53
Inst. own
22.90%
Dividend
0.00
Ex-div date
Feb 14, 2012
50-d avg
15.02
200-d avg
11.51
1y target
0.00

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Financial health

Altman Z-Score

0.13 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E -8.7×
FY 2016: -15.3×FY 2017: 32.5×FY 2018: -117×FY 2019: 286×FY 2020: 14.2×FY 2021: 19.9×FY 2022: 23.0×FY 2023: -14.1×FY 2024: -6.8×FY 2025: -8.7×
FY 2016 5y median -6.8× FY 2025
P/S 2.5×
FY 2016: 2.5×FY 2017: 2.0×FY 2018: 1.6×FY 2019: 1.8×FY 2020: 1.6×FY 2021: 2.0×FY 2022: 1.9×FY 2023: 1.3×FY 2024: 1.7×FY 2025: 2.5×
FY 2016 5y median 1.9× FY 2025
P/B 1.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 0.7× FY 2025
P/FCF 23.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: -17.6×FY 2019: 44.7×FY 2020: 32.3×FY 2021: 9.4×FY 2022: 6.4×FY 2023: 13.3×FY 2024: -29.2×FY 2025: 23.7×
FY 2016 5y median 9.4× FY 2025
EV/EBITDA -16.9×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 107×FY 2019: 40.9×FY 2020: 9.7×FY 2021: 8.9×FY 2022: 18.8×FY 2023: -27.6×FY 2024: -8.4×FY 2025: -16.9×
FY 2016 5y median -8.4× FY 2025
EV/Sales 3.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 3.7×FY 2019: 3.1×FY 2020: 1.7×FY 2021: 1.7×FY 2022: 3.3×FY 2023: 1.6×FY 2024: 2.1×FY 2025: 3.4×
FY 2016 5y median 2.1× FY 2025
FCF Yield 4.2%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: -5.7%FY 2019: 2.2%FY 2020: 3.1%FY 2021: 10.6%FY 2022: 15.6%FY 2023: 7.5%FY 2024: -3.4%FY 2025: 4.2%
FY 2016 5y median 7.5% FY 2025

Profitability

Gross Margin 43.3%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 74.9%FY 2020: 77.9%FY 2021: 84.4%FY 2022: 80.7%FY 2023: 50.0%FY 2024: 30.3%FY 2025: 43.3%
FY 2016 5y median 50.0% FY 2025
Operating Margin -28.1%
FY 2016: -21.6%FY 2017: 6.3%FY 2018: -3.6%FY 2019: -0.5%FY 2020: 10.7%FY 2021: 11.9%FY 2022: 9.8%FY 2023: -11.7%FY 2024: -25.2%FY 2025: -28.1%
FY 2016 5y median -11.7% FY 2025
Net Margin -28.3%
FY 2016: -16.6%FY 2017: 6.3%FY 2018: -1.4%FY 2019: 0.6%FY 2020: 11.3%FY 2021: 9.9%FY 2022: 8.2%FY 2023: -9.2%FY 2024: -25.4%FY 2025: -28.3%
FY 2016 5y median -9.2% FY 2025
ROE -14.1%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: -0.8%FY 2019: 0.3%FY 2020: 5.8%FY 2021: 3.2%FY 2022: 2.9%FY 2023: -4.2%FY 2024: -13.5%FY 2025: -14.1%
FY 2016 5y median -4.2% FY 2025
ROIC -8.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: -0.1%FY 2019: 0.1%FY 2020: 2.6%FY 2021: 2.1%FY 2022: 1.6%FY 2023: -0.6%FY 2024: -3.7%FY 2025: -8.7%
FY 2016 5y median -0.6% FY 2025
ROA -1.3%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: -0.1%FY 2019: 0.0%FY 2020: 0.5%FY 2021: 0.4%FY 2022: 0.3%FY 2023: -0.4%FY 2024: -1.2%FY 2025: -1.3%
FY 2016 5y median -0.4% FY 2025

Growth (YoY)

Revenue -11.9%
FY 2016: -22.8%FY 2017: 26.3%FY 2018: 33.5%FY 2019: -7.4%FY 2020: 9.7%FY 2021: -7.3%FY 2022: -6.8%FY 2023: 27.8%FY 2024: 10.2%FY 2025: -11.9%
FY 2016 FY 2025
Operating Income 1.5%
FY 2016: -226.9%FY 2017: 136.6%FY 2018: -177.5%FY 2019: 87.7%FY 2020: 2517.6%FY 2021: 3.2%FY 2022: -23.2%FY 2023: -252.9%FY 2024: -136.9%FY 2025: 1.5%
FY 2016 FY 2025
EPS (diluted) 6.8%
FY 2016: -246.7%FY 2017: 147.0%FY 2018: -127.9%FY 2019: 140.8%FY 2020: 1911.3%FY 2021: -15.5%FY 2022: -21.7%FY 2023: -253.2%FY 2024: -206.9%FY 2025: 6.8%
FY 2016 FY 2025
Free Cash Flow 254.6%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 139.3%FY 2020: 37.9%FY 2021: 288.1%FY 2022: 30.6%FY 2023: -57.1%FY 2024: -166.8%FY 2025: 254.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 0.4×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA -4.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 59.8×FY 2019: 17.6×FY 2020: 0.7×FY 2021: -1.2×FY 2022: 8.0×FY 2023: -4.8×FY 2024: -1.5×FY 2025: -4.4×
FY 2016 5y median -1.5× FY 2025
Interest Coverage -0.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: -0.0×FY 2020: 0.6×FY 2021: 1.0×FY 2022: 0.7×FY 2023: -0.3×FY 2024: -0.5×FY 2025: -0.6×
FY 2016 5y median -0.3× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31