Generations Bancorp NY, Inc. (GBNY)

Generations Bancorp NY Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 18, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	35	23	26	29	26	26
Market Cap Growth	8.21%	-11.24%	-12.80%	14.11%	-0.97%	1.74%
Last Close Price	15.24	10.14	10.80	11.91	10.42	10.51
PE Ratio	-	-	23.50	20.73	14.69	297.96
PS Ratio	3.60	2.10	1.99	2.08	1.84	2.03
PB Ratio	0.96	0.60	0.68	0.67	0.86	0.92
P/FCF Ratio	-	13.58	6.57	9.84	33.47	46.62
P/OCF Ratio	-	11.13	5.87	8.61	25.72	18.99
Debt / Equity Ratio	0.60	0.63	0.71	0.41	0.97	1.14
Debt / FCF Ratio	-	14.12	6.82	5.97	37.63	57.96
Return on Equity (ROE)	-7.27%	-4.18%	2.69%	3.85%	6.02%	-
Return on Assets (ROA)	-0.66%	-0.39%	0.28%	0.38%	0.48%	-
Earnings Yield	-8.10%	-6.91%	4.26%	4.82%	6.81%	0.34%
FCF Yield	-1.04%	7.37%	15.23%	10.16%	2.99%	2.14%
Buyback Yield / Dilution	5.16%	5.15%	1.79%	4.12%	0.12%	-6.78%
Total Shareholder Return	5.16%	5.15%	1.79%	4.12%	0.12%	-6.78%

Source: S&P Capital IQ. Banks template. Financial Sources.