GBNY · CIK 0001823365
GENERATIONS BANCORP NY, INC.
Annual figures as reported, FY2018–FY2023. Ratios and growth rates derived on-page.
Savings Institution, Federally Chartered
Company profile
Revenue
$1.9M
▼ −7.3% vs FY2022
Net income
−$1.6M
▼ −244.2% vs FY2022
Free cash flow
$1.7M
▼ −57.1% vs FY2022
Diluted EPS
−$0.72
▼ −253.2% vs FY2022
Revenue
Annual, as reported
Net income
Losses shown in terracotta
Recent quarters
momentum · last 12 quartersRevenue — Jun ’24 quarter
$367K
▼ −47.1% vs Jun ’23
Net income — Jun ’24 quarter
−$841K
▼ −406.6% vs Jun ’23
Revenue — trailing 12 months
$1.4M
▼ −34.9% vs Jun ’23
Diluted EPS — trailing 12 months
−$1.22
▼ −12300.0% vs Jun ’23
Quarterly revenue
Discrete quarters; Q4 derived from the annual figure
Quarterly net income
Losses shown in terracotta
| Quarter | Revenue | Rev. YoY | Gross margin | Net income | Net margin | Diluted EPS |
|---|---|---|---|---|---|---|
| Jun ’24 | $367K | −47.1% | — | −$841K | −229.2% | −$0.39 |
| Mar ’24 | $317K | −35.4% | — | −$545K | −171.9% | −$0.25 |
| Dec ’23 | $336K | −28.8% | — | −$606K | −180.4% | −$0.28 |
| Sep ’23 | $358K | −22.0% | — | −$643K | −179.6% | −$0.30 |
| Jun ’23 | $694K | 32.2% | — | −$166K | −23.9% | −$0.07 |
| Mar ’23 | $491K | −13.9% | — | −$152K | −31.0% | −$0.07 |
| Dec ’22 | $472K | −18.5% | — | $46K | 9.7% | $0.02 |
| Sep ’22 | $459K | −19.3% | — | $300K | 65.4% | $0.13 |
Profitability & returns
quality of earningsMargins
Share of revenue kept at each line
Returns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Buybacks
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Growth rates
compounding, annualizedRevenue CAGR
−6.7%
3y
Free cash flow CAGR
+29.6%
3y
Key ratios
derived per fiscal year| Fiscal year | Net margin | FCF margin | ROE | ROA |
|---|---|---|---|---|
| FY2023 | −83.4% | 88.9% | −4.2% | −0.4% |
| FY2022 | 53.7% | 192.0% | 2.9% | 0.3% |
| FY2021 | 61.7% | 129.9% | 3.2% | 0.4% |
| FY2020 | 75.5% | 33.1% | 5.8% | 0.5% |
| FY2019 | 3.2% | 20.4% | 0.3% | 0.0% |
| FY2018 | — | — | — | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2023 | $1.9M | — | — | −$1.6M | −$0.72 | $2.0M | $367K | $424.5M | $386.8M | $37.7M | $14.5M | — |
| FY2022 | $2.0M | — | — | $1.1M | $0.47 | $4.3M | $461K | $386.3M | $349.0M | $37.3M | $8.0M | — |
| FY2021 | $2.3M | — | — | $1.4M | $0.60 | $3.4M | $425K | $378.9M | $335.5M | $43.5M | $21.0M | — |
| FY2020 | $2.3M | — | — | $1.7M | $0.71 | $998K | $231K | $373.8M | $343.9M | $29.9M | $26.8M | — |
| FY2019 | $2.7M | — | — | $87K | $0.04 | $1.4M | $809K | $347.5M | $319.3M | $28.2M | $13.4M | — |
| FY2018 | — | — | — | — | — | — | — | — | — | $27.4M | $9.1M | — |
Latest filings
the most recent regulatory filingsSC 13G/A13G/A GENERATIONS BANCORP NY INC. AMDT 3 0930242024-11-14 ↗SC 13D/ABeneficial ownership report2024-10-30 ↗SC 13D/ABeneficial ownership report2024-10-23 ↗15-12GSEC filing2024-10-15 ↗POS AMPOST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-82024-10-15 ↗25Delisting notice2024-10-04 ↗8-KCurrent report — material event2024-09-24 ↗DEFA14AProxy statement2024-09-24 ↗8-KCurrent report — material event2024-09-24 ↗10-QQuarterly report2024-08-09 ↗
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