Stocktoria

Generations Bancorp NY, Inc. GBNY

OTC · stock · Savings Institution, Federally Chartered · website · IPO 2021-01-13

Generations Bancorp NY, Inc. statistics & valuation

Market cap$33.9M
P / S18.0×
P / B0.9×
P / FCF20.3×
Net margin-83.4%
Return on equity-4.2%
FCF margin88.9%

Market cap as of 2026-07-01. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Net margin (%)
3.20% 75.50% 61.70% 53.70% -83.40% 20192020202120222023
Gross margin (%)
20192020202120222023
Operating margin (%)
20192020202120222023
Return on equity (%)
0.30% 5.80% 3.20% 2.90% -4.20% 20192020202120222023
Shares outstanding
2.5M 2.5M 2.5M 2.3M 2.2M 20192020202120222023
Net debt ($)
20192020202120222023
Share buybacks ($)
20192020202120222023
Return on assets (%)
0.00% 0.50% 0.40% 0.30% -0.40% 20192020202120222023
Free cash flow margin (%)
20.40% 33.10% 129.90% 192.00% 88.90% 20192020202120222023
Debt / equity (×)
20192020202120222023
EPS ($)
$0.71 $0.60 $0.47 -$0.72 20192020202120222023

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2023FY2022FY2021FY2020FY2019
Net margin-83.4%53.7%61.7%75.5%3.2%
FCF margin88.9%192.0%129.9%33.1%20.4%
Return on assets-0.4%0.3%0.4%0.5%0.0%
Return on equity-4.2%2.9%3.2%5.8%0.3%

Computed from company filings · US · as of 2023-12-31. Facts plus Stocktoria's own computed scores — not investment advice.