Generations Bancorp NY, Inc. (GBNY)

Generations Bancorp NY Ratios and Metrics

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

Total Valuation

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 11, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	36	34	23	26	29	26
Market Cap Growth	-7.89%	51.77%	-11.24%	-12.80%	14.11%	-0.97%
Last Close Price	16.23	15.10	10.14	10.80	11.91	10.42

Price Ratios

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 11, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
PE Ratio	-	-	-	23.50	20.73	14.69
PS Ratio	4.70	4.50	2.10	1.99	2.08	1.84
PB Ratio	1.02	0.97	0.60	0.68	0.67	0.86
P/FCF Ratio	-	-	13.58	6.57	9.84	33.47
P/OCF Ratio	-	-	11.13	5.87	8.61	25.72

Financial Efficiency

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 11, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Debt / Equity Ratio	0.56	0.56	0.63	0.71	0.41	0.97
Debt / FCF Ratio	-	-	14.12	6.82	5.97	37.63
Net Debt / Equity Ratio	0.18	0.18	0.11	0.48	-0.09	0.07
Net Debt / FCF Ratio	-5.64	-5.64	2.42	4.60	-1.31	2.65
Return on Equity (ROE)	-13.06%	-13.06%	-4.18%	2.69%	3.85%	6.02%
Return on Assets (ROA)	-1.18%	-1.18%	-0.39%	0.28%	0.38%	0.48%

Yields

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 11, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Earnings Yield	-13.29%	-13.88%	-6.91%	4.26%	4.82%	6.81%
FCF Yield	-3.10%	-3.24%	7.37%	15.23%	10.16%	2.99%
Buyback Yield / Dilution	1.60%	1.60%	5.15%	1.79%	4.12%	0.12%

Data Source: S&P Global Market Intelligence Last updated: Dec 31, 2024

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 11, 2026

Data Sources Report a data error