GENERATIONS BANCRP NY INC (GBNY) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 11, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2024, filed Aug 9, 2024. Each column of the statement tables below links to the filing it was taken from.
GENERATIONS BANCRP NY INC (GBNY) reported $10.3M in revenue over the twelve months to Jun 30, 2024, down 19.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Rising funding costs are squeezing earnings while liability-funded asset growth still produces positive operating cash flow.
Interest expense rose from$1.9M in FY2022 to$7.6M in FY2023, a funding-cost step-up large enough to dominate the earnings profile. Revenue also fell13.0% , but operating cash flow remained$2.0M , so the reported loss did not represent an equivalent cash outflow.
The balance sheet is expanding without a matching equity build: assets reached
Despite the loss, free cash flow was
Financial Health Signals
GENERATIONS BANCRP NY INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
GENERATIONS BANCRP NY INC passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
GENERATIONS BANCRP NY INC reported a net loss of $1.6M while generating $2.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
GENERATIONS BANCRP NY INC generated $2.3M in revenue in Q2 2024. This represents a decrease of 23.0% from the same quarter a year earlier. Against the prior quarter it is down 0.2%.
GENERATIONS BANCRP NY INC reported -$841K in net income in Q2 2024. This represents a decrease of 406.6% from the same quarter a year earlier. Against the prior quarter it is down 54.3%.
GENERATIONS BANCRP NY INC earned -$0.39 per diluted share (EPS) in Q2 2024. This represents a decrease of 457.1% from the same quarter a year earlier. Against the prior quarter it is down 56.0%.
Not reported for Q2 2024.
Cash & Balance Sheet
GENERATIONS BANCRP NY INC generated $1.6M in free cash flow in Q2 2024, representing cash available after capex. This represents a decrease of 39.4% from the same quarter a year earlier. Against the prior quarter it is up 241.3%.
GENERATIONS BANCRP NY INC held $9.8M in cash as of Q2 2024; long-term debt is not reported for that period.
Not reported for Q2 2024.
Margins & Returns
GENERATIONS BANCRP NY INC's net profit margin was -36.1% in Q2 2024, showing the share of revenue converted to profit. This is down 30.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 12.7 percentage points.
GENERATIONS BANCRP NY INC's ROE was -2.4% in Q2 2024, measuring profit generated per dollar of shareholder equity. This is down 1.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.9 percentage points.
Not reported for Q2 2024.
Not reported for Q2 2024.
Capital Allocation
GENERATIONS BANCRP NY INC invested $20K in capex in Q2 2024, funding long-term assets and infrastructure. This represents a decrease of 4.8% from the same quarter a year earlier. Against the prior quarter it is up 233.3%.
Not reported for Q2 2024.
Not reported for Q2 2024.
GBNY Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2410-Q | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K | Q3'2210-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.3M-23.0% | $2.3M-24.6% | $3.1M-1.5% | $2.5M-27.7% | $3.0M-10.7% | $3.1M-11.7% | $3.2M-15.2% | $3.4M-10.1% |
| SG&A Expenses | $1.1M-19.6% | $1.1M-22.0% | $1.9M+54.2% | $1.4M+13.3% | $1.3M+15.0% | $1.4M+14.0% | $1.2M-8.0% | $1.2M-7.2% |
| Interest Expense | $2.5M+53.9% | $2.6M+106.7% | $2.6M+204.7% | $2.1M+454.0% | $1.6M+366.0% | $1.2M+252.5% | $850K+125.5% | $383K-3.3% |
| Income Tax | -$260K-465.2% | -$169K-322.5% | -$168K-2200.0% | -$171K-359.1% | -$46K-168.7% | -$40K-153.3% | $8K-91.3% | $66K+100.0% |
| Net Income | -$841K-406.6% | -$545K-258.6% | -$606K-1417.4% | -$643K-314.3% | -$166K-148.1% | -$152K-138.4% | $46K-91.1% | $300K+73.4% |
| EPS (Basic) | -$0.39-457.1% | -$0.25-257.1% | -$0.29-1550.0% | -$0.30-330.8% | -$0.07-146.7% | -$0.07-141.2% | $0.02-90.9% | $0.13+85.7% |
| EPS (Diluted) | -$0.39-457.1% | -$0.25-257.1% | -$0.29-1550.0% | -$0.30-330.8% | -$0.07-146.7% | -$0.07-141.2% | $0.02 | $0.13+85.7% |
| Diluted Shares (Avg) | 2M-4.2% | 2M-4.6% | N/A | 2,152-6.4% | 2M+95828.0% | 2M-4.7% | N/A | 2,299-99.9% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
GBNY Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2410-Q | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K | Q3'2210-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $401.8M+1.7% | $410.8M+5.6% | $424.5M+9.9% | $408.7M+9.4% | $394.9M+6.8% | $389.2M+3.1% | $386.3M+1.9% | $373.6M-1.0% |
| Cash & Equivalents | $9.8M+86.6% | $5.9M-3.0% | $14.5M+81.5% | $5.5M-25.5% | $5.3M-59.3% | $6.0M-74.5% | $8.0M-61.9% | $7.4M-39.3% |
| Short-Term Investments | $1.4M-6.7% | $1.4M-12.5% | $1.5M | $1.5M | $1.5M | $1.6M | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $0 | N/A | $0-100.0% | N/A | N/A | $792K0.0% | $792K0.0% | $792K0.0% |
| Total Liabilities | $366.2M+2.3% | $373.9M+6.3% | $386.8M+10.8% | $373.8M+11.3% | $358.0M+8.3% | $351.7M+4.9% | $349.0M+4.0% | $336.0M+0.3% |
| Total Equity | $35.5M-3.7% | $36.9M-1.6% | $37.7M+1.0% | $35.0M-7.2% | $36.9M-5.4% | $37.5M-10.9% | $37.3M-14.1% | $37.7M-11.3% |
| Retained Earnings | $19.6M-11.7% | $20.5M-8.5% | $21.0M-6.7% | $21.6M-3.9% | $22.2M-0.3% | $22.4M+1.3% | $22.5M+3.9% | $22.5M+6.3% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
GBNY Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2410-Q | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K | Q3'2210-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.6M-39.1% | -$1.1M-1841.3% | $1.4M-9.6% | -$2.0M-249.1% | $2.6M+25.2% | $63K+110.6% | $1.5M-22.2% | $1.3M+285.8% |
| Depreciation & Amortization | $268K+6.3% | $228K-10.2% | $265K+3.5% | $247K-1.6% | $252K+0.8% | $254K+1.2% | $256K-1.5% | $251K-9.4% |
| Stock-Based Compensation | $19K-17.4% | $40K-24.5% | N/A | $23K+9.5% | $23K+109.1% | $53K | N/A | $21K |
| Capital Expenditures | $20K-4.8% | $6K-95.9% | $176K-27.3% | $23K+35.3% | $21K-83.8% | $147K+104.2% | $242K+384.0% | $17K-89.8% |
| Free Cash Flow | $1.6M-39.4% | -$1.1M-1213.1% | $1.2M-6.3% | -$2.0M-252.8% | $2.6M+32.5% | -$84K+87.4% | $1.3M-32.7% | $1.3M+249.2% |
| Investing Cash Flow | $11.5M+244.2% | $4.4M+186.2% | -$4.4M+64.9% | -$14.3M-11.7% | -$8.0M-19.3% | -$5.1M-331.6% | -$12.5M-248.4% | -$12.8M-979.5% |
| Financing Cash Flow | -$9.1M-297.2% | -$11.9M-493.0% | $12.0M+3.8% | $16.6M+179.7% | $4.6M+175.8% | $3.0M+181.2% | $11.6M+830.7% | $5.9M+605.0% |
| Share Buybacks | N/A | N/A | $2K-99.1% | $645K-7.6% | $346K | $81K | $234K | $698K |
Not reported in any period shown, so not listed: Dividends Paid.
GBNY Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2410-Q | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K | Q3'2210-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -36.1%-30.6pp | -23.3%-18.4pp | -19.4%-20.9pp | -26.0%-34.8pp | -5.5%-15.7pp | -4.9%-16.2pp | 1.5%-12.4pp | 8.8%+4.2pp |
| Return on Equity | -2.4%-1.9pp | -1.5%-1.1pp | -1.6%-1.7pp | -1.8%-2.6pp | -0.4%-1.3pp | -0.4%-1.4pp | 0.1%-1.1pp | 0.8%+0.4pp |
| Return on Assets | -0.2%-0.2pp | -0.1%-0.1pp | -0.1%-0.1pp | -0.2%-0.2pp | 0.0%-0.1pp | 0.0%-0.1pp | 0.0%-0.1pp | 0.1%0.0pp |
| Debt-to-Equity | 10.30+0.6x | 10.13+0.8x | 10.26+0.9x | 10.69+1.8x | 9.70+1.2x | 9.37+1.4x | 9.35+1.6x | 8.92+1.0x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 66.8%-18.1pp | -47.2%-44.5pp | 38.8%-2.0pp | -81.9%-120.6pp | 84.9%+27.7pp | -2.7%+16.3pp | 40.8%-10.6pp | 38.8%+62.1pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Where GENERATIONS BANCRP NY INC Ranks
Frequently Asked Questions
What is GENERATIONS BANCRP NY INC's annual revenue?
GENERATIONS BANCRP NY INC (GBNY) reported $11.7M in total revenue for fiscal year 2023. This represents a -13.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is GENERATIONS BANCRP NY INC's revenue growing?
GENERATIONS BANCRP NY INC (GBNY) revenue declined by 13.1% year-over-year, from $13.5M to $11.7M in fiscal year 2023.
Is GENERATIONS BANCRP NY INC profitable?
No, GENERATIONS BANCRP NY INC (GBNY) reported a net income of -$1.6M in fiscal year 2023, with a net profit margin of -13.4%.
What is GENERATIONS BANCRP NY INC's net profit margin?
GENERATIONS BANCRP NY INC (GBNY) had a net profit margin of -13.4% in fiscal year 2023, representing the share of revenue converted into profit after all expenses.
What is GENERATIONS BANCRP NY INC's return on equity (ROE)?
GENERATIONS BANCRP NY INC (GBNY) has a return on equity of -4.2% for fiscal year 2023, measuring how efficiently the company generates profit from shareholder equity.
What is GENERATIONS BANCRP NY INC's free cash flow?
GENERATIONS BANCRP NY INC (GBNY) generated $1.7M in free cash flow during fiscal year 2023. This represents a -57.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is GENERATIONS BANCRP NY INC's operating cash flow?
GENERATIONS BANCRP NY INC (GBNY) generated $2.0M in operating cash flow during fiscal year 2023, representing cash generated from core business activities.
What are GENERATIONS BANCRP NY INC's total assets?
GENERATIONS BANCRP NY INC (GBNY) had $424.5M in total assets as of fiscal year 2023, including both current and long-term assets.
What are GENERATIONS BANCRP NY INC's capital expenditures?
GENERATIONS BANCRP NY INC (GBNY) invested $367K in capital expenditures during fiscal year 2023, funding long-term assets and infrastructure.
What is GENERATIONS BANCRP NY INC's debt-to-equity ratio?
GENERATIONS BANCRP NY INC (GBNY) had a debt-to-equity ratio of 10.26 as of fiscal year 2023, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is GENERATIONS BANCRP NY INC's return on assets (ROA)?
GENERATIONS BANCRP NY INC (GBNY) had a return on assets of -0.4% for fiscal year 2023, measuring how efficiently the company uses its assets to generate profit.
What is GENERATIONS BANCRP NY INC's P/E ratio?
GENERATIONS BANCRP NY INC (GBNY) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2024). The market capitalization is $36.9M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is GENERATIONS BANCRP NY INC's price-to-sales ratio?
GENERATIONS BANCRP NY INC (GBNY) trades at 3.6x sales, its market capitalization divided by revenue of $10.3M revenue, trailing 12 months to June 30, 2024. The market capitalization is $36.9M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is GENERATIONS BANCRP NY INC's Piotroski F-Score?
GENERATIONS BANCRP NY INC (GBNY) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are GENERATIONS BANCRP NY INC's earnings high quality?
GENERATIONS BANCRP NY INC (GBNY) reported a net loss of $1.6M while generating $2.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.