Generations Bancorp NY, Inc. Financial Ratios — GBNY Stock

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	0.7	0.77	1.65	-5.04	0.62	8.99	6.73	4.92	-7.2	-25.62	-33.67
Return on Assets (%)	- -	0.05	0.05	0.11	-0.3	0.03	0.48	0.38	0.28	-0.39	-1.18	-1.27
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	0.19	0.22	0.51	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	10.95	10.68	10.21	10.33	-0.21	10.42	8.93	8.66	8.85	10.77	13.58	22.13
Operating Margin (%)	0.39	1.43	2.03	4.09	-8.48	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	32.11	28.36	104.1	- -	7.68	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	0.39	1.43	2.03	4.09	-8.48	-0.62	13.16	13.45	11.44	-21.08	-68.46	-75.08
Profit Margin (%)	0.53	1.26	1.36	2.8	-9.43	0.8	13.99	11.21	9.55	-16.58	-69.25	-75.63
Net Income to Common Margin (%)	0.53	1.26	1.36	2.8	-9.43	0.8	13.99	11.21	9.55	-16.58	-69.25	-75.63
Effective Tax Rate (%)	- -	12.05	33.06	31.45	- -	- -	- -	16.69	16.58	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	0.7	0.77	1.65	-5.04	0.62	8.99	6.73	4.92	-7.2	-25.62	-33.67

Credit (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	29	27	19	10	29	32	29	18	27	24	20	17
ST Debt	8	9	1	- -	11	- -	- -	- -	16	- -	- -	- -
LT Debt	22	18	18	10	18	32	29	18	10	24	20	17
Total Debt/EBITDA	47.88	43.85	31.31	15.83	-2,637.82	28.36	25.86	16.26	26.32	23.16	21.26	12.65
Net Debt/EBITDA	42.79	38.34	19.64	4	-2,046.18	16.51	1.82	-2.96	18.38	4.61	7.41	-2
Total Debt/EBIT	1,340.64	328.05	157.07	40.03	-66.1	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	1,198.14	286.87	98.5	10.1	-51.27	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.9	6.93	6.96	6.85	5.33	5.35	5.43	5.73	5.83	4.95	4.2	3.32
Long-Term Debt/Equity (%)	207.01	182.73	98.44	53.47	108.75	114	96.58	40.85	27.68	62.54	56.21	52.08
Long-Term Debt/Capital (%)	54.44	48.95	62.2	49.97	47.64	63.38	58.73	45.01	21.06	52.86	55.05	59.98
Long-Term Debt/Total Assets (%)	14.35	12.16	12.06	6.84	10.35	9.26	7.72	4.69	2.68	5.55	5.14	4.97
Total Debt/Equity (%)	280.79	269.26	101.51	53.47	172.27	114	96.58	40.85	71.08	62.54	56.21	52.08
Total Debt/Capital (%)	73.84	72.13	64.14	49.97	75.47	63.38	58.73	45.01	54.07	52.86	55.05	59.98
Total Debt/Total Assets (%)	19.46	17.92	12.44	6.84	16.39	9.26	7.72	4.69	6.87	5.55	5.14	4.97
Net Debt to Equity	250.94	235.46	63.66	13.5	133.63	66.36	6.8	-7.44	49.64	12.44	19.6	-8.22
Net Debt/Capital (%)	71.61	69.35	52.86	20.13	70.47	50.18	9.11	-17.54	45.12	18.24	29.93	-31
EBITDA	1	1	1	1	- -	1	1	1	1	1	1	1
EBITDA-CapEx	1	1	1	1	- -	- -	1	1	1	1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.9	6.93	6.96	6.85	5.33	5.35	5.43	5.73	5.83	4.95	4.2	3.32
Long-Term Debt/Equity (%)	207.01	182.73	98.44	53.47	108.75	114	96.58	40.85	27.68	62.54	56.21	52.08
Long-Term Debt/Capital (%)	54.44	48.95	62.2	49.97	47.64	63.38	58.73	45.01	21.06	52.86	55.05	59.98
Long-Term Debt/Total Assets (%)	14.35	12.16	12.06	6.84	10.35	9.26	7.72	4.69	2.68	5.55	5.14	4.97
Total Debt/Equity (%)	280.79	269.26	101.51	53.47	172.27	114	96.58	40.85	71.08	62.54	56.21	52.08
Total Debt/Capital (%)	73.84	72.13	64.14	49.97	75.47	63.38	58.73	45.01	54.07	52.86	55.05	59.98
Total Debt/Total Assets (%)	19.46	17.92	12.44	6.84	16.39	9.26	7.72	4.69	6.87	5.55	5.14	4.97
CFO/Total Liabilities	0.41	0.68	0.55	28.35	1.1	0.43	0.29	1.01	1.25	0.53	-0.3	0.44
CFO/CapEx	- -	- -	- -	- -	- -	1.69	4.32	8	9.44	5.55	-21.3	55.68
Altman's Z-Score	0.13	0.14	0.14	0.14	0.1	0.11	0.11	0.16	0.15	0.13	0.14	0.06

Working Capital (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	9.52	8.45	9.14	8.35	11.47	10.44	10.39	8.92	4.99	3.29	4.27
Days Sales Outstanding	- -	38.36	43.17	39.93	43.69	31.82	34.97	35.14	40.92	73.09	110.88	85.55
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	- -	- -	- -	28	25	22	34	- -
- Cash & Cash Equivalents	3	3	7	7	7	13	27	21	8	19	13	20
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	29	27	19	10	29	32	29	18	27	24	20	17
Enterprise Value	26	24	12	3	23	-12	-16	-12	10	-4	17	-28
Total Capital	40	38	30	20	38	51	49	39	49	45	36	29
Total Debt/Capital (%)	73.84	72.13	64.14	49.97	75.47	63.38	58.73	45.01	54.07	52.86	55.05	59.98
Total Debt / EV	1.12	1.14	1.59	3.96	1.29	-2.71	-1.82	-1.46	2.54	-5.36	1.17	-0.63
EV/Sales	4.69	4.1	2	0.41	4.35	- -	- -	- -	0.92	- -	2.46	- -
EV/EBITDA	42.79	38.34	19.64	4	- -	- -	- -	- -	10.35	- -	18.12	- -
EV/EBIT	1,198.14	286.87	98.5	10.1	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	45.29	24.83	16.19	0.07	12.82	- -	- -	- -	2.4	- -	- -	- -
EV/Free Cash Flow to Firm	45.29	24.83	16.19	0.07	12.82	- -	- -	- -	2.17	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	28	25	22	34	- -
Diluted Enterprise Value	26	24	12	3	23	19	2	25	43	27	41	-3
EV per Share	- -	- -	6.71	1.09	9.79	- -	- -	- -	4.51	- -	7.44	- -
TTM Sales	6	6	6	6	5	11	12	13	11	9	7	6
TTM EBITDA	1	1	1	1	- -	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	1	36	2	1	1	3	4	2	-1	1
TTM Free Cash Flow to Firm	1	1	1	36	2	2	1	4	5	2	-1	1

Multiples (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	7.33	5.19	9.24	-33.9	- -
EV/EBIT	1,198.14	286.87	98.5	10.1	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	26	24	12	3	23	-12	-16	-12	10	-4	17	-28
Low Price	- -	- -	- -	- -	- -	- -	- -	9.35	10.51	8.04	9.38	14.86
EV/Sales	4.69	4.1	2	0.41	4.35	- -	- -	- -	0.92	- -	2.46	- -
EV/EBITDA	42.79	38.34	19.64	4	- -	- -	- -	- -	10.35	- -	18.12	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	19.84	22.95	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	17.55	24.16	-13.2	-5.73	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	22.47	25.74	-15.45	-7.72	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	15.56	22.33	-11.24	-4.48	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	1.29	1.11	1.06	2.12	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	1.14	1.17	0.98	1.68	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	1.46	1.24	1.15	2.27	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	1.01	1.08	0.84	1.32	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	0.67	0.7	0.6	0.99	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	0.59	0.73	0.56	0.79	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	0.76	0.78	0.65	1.06	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	0.52	0.68	0.48	0.61	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	2.22	2.19	2.35	4.99	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	1.97	2.31	2.19	3.96	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	2.52	2.46	2.56	5.35	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	1.74	2.13	1.86	3.1	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	8.24	5.74	10.91	-32.31	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	7.29	6.04	10.15	-25.67	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	9.33	6.43	11.89	-34.62	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	6.46	5.58	8.65	-20.07	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	6.48	5.46	8.6	-26.93	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	8.3	5.81	10.07	-36.33	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	5.75	5.05	7.33	-21.06	- -
EV/Sales Average	4.69	4.1	2	0.41	4.35	1.72	0.16	1.71	3.93	2.68	4.97	- -
EV/Sales High	4.69	4.1	2	0.41	4.35	1.72	0.16	2.26	4.08	3.06	6.35	- -
EV/Sales Low	4.69	4.1	2	0.41	4.35	1.72	0.16	1.49	3.76	2.36	4.11	- -
EV/EBITDA Average	42.79	38.34	19.64	4	-2,046.18	16.51	1.82	19.74	44.44	24.93	36.62	-2
EV/EBITDA High	42.79	38.34	19.64	4	-2,046.18	16.51	1.82	26.11	46.14	28.39	46.8	-2
EV/EBITDA Low	42.79	38.34	19.64	4	-2,046.18	16.51	1.82	17.17	42.47	21.91	30.25	-2
EV/EBIT Average	1,198.14	286.87	98.5	10.1	-51.27	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	1,198.14	286.87	98.5	10.1	-51.27	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	1,198.14	286.87	98.5	10.1	-51.27	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	11.92	10.8	10.14	15.1	17.95
High Price	- -	- -	- -	- -	- -	- -	- -	13.5	12.11	11.05	16.18	17.95
Enterprise Value Average	26	24	12	3	23	19	2	22	45	25	34	-3
Enterprise Value High	26	24	12	3	23	19	2	29	47	29	44	-3
Enterprise Value Low	26	24	12	3	23	19	2	19	43	22	28	-3

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	- -	- -	2	2	2	2	2	2	2	2	2	- -
Basic Weighted Avg Shares	- -	- -	2	2	2	2	2	2	2	2	2	- -
Revenue per Share	- -	- -	3.35	2.65	2.25	4.43	5.08	5.36	4.93	4.31	3.03	- -
EBITDA per Share	- -	- -	0.34	0.27	- -	0.46	0.45	0.46	0.44	0.46	0.41	- -
Operating Income per Share	- -	- -	0.07	0.11	-0.19	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	0.05	0.07	-0.21	0.04	0.71	0.6	0.47	-0.72	-2.1	- -
Basic EPS from Cont Ops	- -	- -	0.05	0.07	-0.25	0.04	0.71	0.6	0.47	-0.72	-2.1	- -
Diluted EPS, GAAP	- -	- -	0.05	0.07	-0.21	0.04	0.71	0.6	0.47	-0.72	-2.1	- -
Diluted EPS from Cont Ops	- -	- -	0.05	0.07	-0.25	0.04	0.71	0.6	0.47	-0.72	-2.1	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	0.41	15.65	0.76	0.56	0.41	1.45	1.88	0.93	-0.47	- -
Free Cash Flow per Basic Share	- -	- -	0.41	15.65	0.76	0.23	0.31	1.27	1.68	0.76	-0.49	- -
Cash & Equivalents per Share	- -	- -	3.99	3.24	2.83	17.95	18.2	24.65	17.77	22.91	16.39	- -
Book Value per Share	- -	- -	5.99	4.33	4.1	7.57	8.25	9.22	9.76	9.59	7.13	- -
Tangible Book Value per Share	- -	- -	10.32	7.93	7.17	10.8	11.49	17.82	15.51	16.91	15.28	- -

Generations Bancorp NY, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)