What is GENERATIONS BANCRP NY INC's earnings per share (EPS)?

GENERATIONS BANCRP NY INC (GBNY) reported diluted earnings per share of -$0.72 for fiscal year 2023. This represents a -253.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

GENERATIONS BANCRP NY (GBNY) Financials

GBNY OTC

Trailing 12 months to June 30, 2024

Revenue $10.3M -19.3% YoY

Net Income -$2.6M -9510.7% YoY

EPS (Diluted) -$0.72 FY2023 annual

Free Cash Flow -$361K -107.1% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2024, ended Jun 30, 2024 Reported Aug 9, 2024 Currency USD FYE December

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).

Rhea AI GBNY FY2023 2026-10-25

The bank expanded its balance sheet while funding costs surged, turning a previously profitable model into a FY2023 loss.

FY2023’s interest expense jumped 291.8% while revenue fell 13.1%, so the earnings break was driven more by funding pressure than by weaker volume alone. Assets grew 9.9% while liabilities grew 10.8%, indicating FY2023 expansion leaned more on obligations than on internally generated capital.

This is a balance-sheet business rather than a conventional margin story: liabilities were 91.1% of assets and liabilities-to-equity was 10.3x in FY2023, leaving a thin equity cushion relative to reported obligations. That structure makes funding costs especially consequential because liabilities, rather than equity, carry most of the balance-sheet load.

Cash generation also weakened: operating cash flow fell 53.2% and free cash flow fell 57.1% from FY2022, even though both remained positive in FY2023. Although the reported net loss was $1.57M, operating cash flow was $2.04M; the accounting loss therefore did not map one-for-one into operating cash. Free cash flow fell to $1.67M as investment spending absorbed part of that operating cash, showing positive cash generation was not fully available after reinvestment.

Financial Health Signals

Financial health score not available

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.

Piotroski F-Score Partial

3/6

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, the one computable operating efficiency signal (asset turnover improving) does not pass.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.3M

YoY-23.0%

QoQ-0.2%

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%.

Net Income

-$841K

YoYn/m

QoQn/m

GENERATIONS BANCRP NY INC reported a net loss of $841K in Q2 2024. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

EPS (Diluted)

-$0.39

YoYn/m

QoQn/m

GENERATIONS BANCRP NY INC earned -$0.39 per diluted share (EPS) in Q2 2024. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

EBITDA

Not reported for Q2 2024.

Cash & Balance Sheet

Free Cash Flow

$1.6M

YoY-39.4%

QoQn/m

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. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Cash & Debt

$9.8M

YoY+86.6%

QoQ+67.9%

GENERATIONS BANCRP NY INC held $9.8M in cash as of Q2 2024; no long-term debt figure is on record for that period.

Shares Outstanding

YoY+0.3%

QoQ0.0%

GENERATIONS BANCRP NY INC had 2M shares outstanding in Q2 2024. This represents an increase of 0.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Dividends Per Share

Not reported for Q2 2024.

Margins & Returns

Net Margin

-36.1%

YoY-30.6pp

QoQ-12.7pp

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.

Return on Equity

-2.4%

YoY-1.9pp

QoQ-0.9pp

GENERATIONS BANCRP NY INC's quarterly ROE was -2.4% in Q2 2024: one quarter's net income over shareholder equity, not annualized. 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.

Gross Margin

Not reported for Q2 2024.

Operating Margin

Not reported for Q2 2024.

Capital Allocation

Capital Expenditures

$20K

YoY-4.8%

QoQ+233.3%

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%.

R&D Spending

Not reported for Q2 2024.

Share Buybacks

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.

GBNY quarterly income statement

Metric	TTM	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Revenue	$10.3M	$11.7M-13.1%	$13.5M-7.9%	$14.6M+1.3%	$14.5M+9.9%	$13.1M
Interest Expense	$9.8M	$7.6M+291.8%	$1.9M+14.8%	$1.7M-42.4%	$2.9M-7.6%	$3.2M
Income Tax	-$768K	-$425K-296.8%	$216K-23.7%	$283Kn/m	-$104Kn/m	-$155K
Net Income	-$2.6M	-$1.6M-244.2%	$1.1M-23.1%	$1.4M-19.2%	$1.7M+1909.2%	$87K
EPS (Basic)	N/A	-$0.72-253.2%	$0.47-21.7%	$0.60-15.5%	$0.71+1675.0%	$0.04
EPS (Diluted)	—	-$0.72-253.2%	$0.47-21.7%	$0.60-15.5%	$0.71	N/A
Diluted Shares (Avg)	N/A	2M-5.2%	2M-1.8%	2M	N/A	N/A

Metric	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	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%
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	-$260Kn/m	-$169Kn/m	-$168K-2200.0%	-$171K-359.1%	-$46K-168.7%	-$40K-153.3%	$8K-91.3%	$66K+100.0%
Net Income	-$841Kn/m	-$545Kn/m	-$606K-1417.4%	-$643K-314.3%	-$166K-148.1%	-$152K-138.4%	$46K-91.1%	$300K+73.4%
EPS (Basic)	-$0.39n/m	-$0.25n/m	N/A	-$0.30-330.8%	-$0.07	-$0.07-141.2%	$0.02	$0.13
EPS (Diluted)	-$0.39n/m	-$0.25n/m	N/A	-$0.30-330.8%	-$0.07	-$0.07-141.2%	$0.02	$0.13
Diluted Shares (Avg)	2M-4.2%	2M-4.6%	N/A	2,152-6.4%	2M	2M-4.7%	N/A	2,299

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

GBNY Balance Sheet

GBNY quarterly balance sheet

Metric	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Total Assets	$424.5M+9.9%	$386.3M+1.9%	$378.9M+1.4%	$373.8M+7.6%	$347.5M
Cash & Equivalents	$14.5M+81.5%	$8.0M-61.9%	$21.0M-21.7%	$26.8M+99.5%	$13.4M
Short-Term Investments	$1.5M	N/A	N/A	N/A	N/A
Goodwill	$0-100.0%	$792K0.0%	$792K0.0%	$792K0.0%	$792K
Total Liabilities	$386.8M+10.8%	$349.0M+4.0%	$335.5M-2.5%	$343.9M+7.7%	$319.3M
Total Equity	$37.7M+1.0%	$37.3M-14.1%	$43.5M+45.5%	$29.9M+5.9%	$28.2M
Retained Earnings	$21.0M-6.7%	$22.5M+3.9%	$21.7M+7.0%	$20.3M+9.1%	$18.6M

Metric	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	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	N/A	N/A
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, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

GBNY Cash Flow Statement

GBNY quarterly cash flow statement

Metric	TTM	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Operating Cash Flow	-$136K	$2.0M-53.2%	$4.3M+27.9%	$3.4M+240.9%	$998K-26.9%	$1.4M
Depreciation & Amortization	N/A	$1.0M+1.0%	$1.0M-7.7%	$1.1M-2.2%	$1.1M-1.7%	$1.1M
Stock-Based Compensation	N/A	$417K+225.8%	$128K	N/A	N/A	N/A
Capital Expenditures	$225K	$367K-20.4%	$461K+8.5%	$425K+84.0%	$231K-71.4%	$809K
Free Cash Flow	-$361K	$1.7M-57.1%	$3.9M+30.6%	$3.0M+288.1%	$767K+37.9%	$556K
Investing Cash Flow	-$2.8M	-$31.8Mn/m	-$29.8Mn/m	-$12.7Mn/m	-$10.4Mn/m	-$25.8M
Financing Cash Flow	$7.5M	$36.2M+190.2%	$12.5M+265.1%	$3.4M-85.0%	$22.8M-20.7%	$28.7M
Share Buybacks	N/A	$1.1M-42.6%	$1.9M	N/A	$41K0.0%	$41K

Metric	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	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%	$63Kn/m	$1.5M-22.2%	$1.3Mn/m
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%	-$1.1Mn/m	$1.2M-6.3%	-$2.0M-252.8%	$2.6M+32.5%	-$84Kn/m	$1.3M-32.7%	$1.3Mn/m
Investing Cash Flow	$11.5Mn/m	$4.4Mn/m	-$4.4Mn/m	-$14.3Mn/m	-$8.0Mn/m	-$5.1M-331.6%	-$12.5M-248.4%	-$12.8Mn/m
Financing Cash Flow	-$9.1M-297.2%	-$11.9M-493.0%	$12.0M+3.8%	$16.6M+179.7%	$4.6Mn/m	$3.0M+181.2%	$11.6Mn/m	$5.9Mn/m
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.

GBNY quarterly financial ratios

Metric	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Net Margin	-13.4%-21.4pp	8.1%-1.6pp	9.7%-2.4pp	12.1%+11.4pp	0.7%
Return on Equity	-4.2%-7.1pp	2.9%-0.3pp	3.3%-2.6pp	5.9%+5.5pp	0.3%
Return on Assets	-0.4%-0.7pp	0.3%-0.1pp	0.4%-0.1pp	0.5%+0.4pp	0.0%
Liabilities-to-Equity	10.26+0.9x	9.35+1.6x	7.72-3.8x	11.51+0.2x	11.31
Asset Turnover	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.04
FCF Margin	14.2%-14.6pp	28.8%+8.5pp	20.3%+15.0pp	5.3%+1.1pp	4.2%

Metric	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	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
Liabilities-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, Debt-to-Equity.

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 loss of $2.6M over the trailing 12 months to June 30, 2024. In fiscal year 2023 it reported a net loss of $1.6M, 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.

Does GENERATIONS BANCRP NY INC buy back shares?

Yes, GENERATIONS BANCRP NY INC (GBNY) spent $1.1M on share buybacks during fiscal year 2023, returning capital to shareholders by reducing shares outstanding.

How many shares does GENERATIONS BANCRP NY INC have outstanding?

GENERATIONS BANCRP NY INC (GBNY) had 2M shares outstanding as of fiscal year 2023.

What is GENERATIONS BANCRP NY INC's liabilities-to-equity ratio?

GENERATIONS BANCRP NY INC (GBNY) had a liabilities-to-equity ratio of 10.26 as of fiscal year 2023, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2023, because the filing data we hold for that year carries no long-term debt figure.

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 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.