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
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	0.71	0.56	0.91	-2.76	0.39	6.02	3.85	2.69	-4.18	-13.07	-13.63
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 (%)	- -	0.71	0.56	0.91	-2.76	0.39	6.02	3.85	2.69	-4.18	-13.07	-13.63

Credit (USD)

Credit Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	6.93	6.65	12.26	12.79	9.51	8.12	8	11.47	9.66	8.88	9.14	9.54
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 (%)	54.36	49.49	48.85	34.84	39.94	53.27	49.13	29	16.18	38.48	35.98	34.25
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 (%)	73.74	72.92	50.37	34.84	63.27	53.27	49.13	29	41.55	38.48	35.98	34.25
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 (%)	71.51	70.19	38.9	11.89	57.2	39.89	6.37	-8.04	33.17	11.06	16.39	-8.96
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)

Liquidity Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.93	6.65	12.26	12.79	9.51	8.12	8	11.47	9.66	8.88	9.14	9.54
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 (%)	54.36	49.49	48.85	34.84	39.94	53.27	49.13	29	16.18	38.48	35.98	34.25
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 (%)	73.74	72.92	50.37	34.84	63.27	53.27	49.13	29	41.55	38.48	35.98	34.25
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	0.17	0.16	0.13	0.14	0.14

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	29	25	23	34	41
- 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	-11	11	-4	17	13
Total Capital	40	37	38	28	46	60	59	61	64	61	55	51
Total Debt/Capital (%)	73.74	72.92	50.37	34.84	63.27	53.27	49.13	29	41.55	38.48	35.98	34.25
Total Debt / EV	1.12	1.14	1.59	3.96	1.29	-2.71	-1.82	-1.63	2.45	-5.98	1.17	1.31
EV/Sales	4.69	4.1	2	0.41	4.35	- -	- -	- -	0.95	- -	2.46	2.13
EV/EBITDA	42.79	38.34	19.64	4	- -	- -	- -	- -	10.76	- -	18.12	9.63
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	- -	- -	- -	2.49	- -	- -	9.48
EV/Free Cash Flow to Firm	45.29	24.83	16.19	0.07	12.82	- -	- -	- -	2.25	- -	- -	9.31
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	11.07	10	5.01	1.05	9.63	- -	- -	- -	4.62	- -	7.44	5.79
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)

Valuation Multiples API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	-11	11	-4	17	13
Low Price	- -	- -	- -	- -	- -	- -	- -	9.35	10.51	8.04	9.38	14.86
EV/Sales	4.69	4.1	2	0.41	4.35	- -	- -	- -	0.95	- -	2.46	2.13
EV/EBITDA	42.79	38.34	19.64	4	- -	- -	- -	- -	10.76	- -	18.12	9.63
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	- -	- -	- -	- -	- -	- -	- -	0.67	0.68	0.6	0.97	1.23
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	0.6	0.72	0.56	0.77	1.12
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	0.76	0.76	0.66	1.04	1.23
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	0.53	0.66	0.48	0.6	1.02
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	0.7	0.71	0.61	0.99	1.23
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	0.62	0.75	0.57	0.79	1.12
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	0.79	0.79	0.67	1.06	1.23
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	0.55	0.69	0.49	0.61	1.02
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	1.8	3.97	2.73	4.97	5.59
EV/Sales High	4.69	4.1	2	0.41	4.35	1.72	0.16	2.38	4.13	3.11	6.35	6.16
EV/Sales Low	4.69	4.1	2	0.41	4.35	1.72	0.16	1.57	3.8	2.4	4.11	5.03
EV/EBITDA Average	42.79	38.34	19.64	4	-2,046.18	16.51	1.82	20.77	44.87	25.34	36.62	25.28
EV/EBITDA High	42.79	38.34	19.64	4	-2,046.18	16.51	1.82	27.43	46.6	28.88	46.8	27.85
EV/EBITDA Low	42.79	38.34	19.64	4	-2,046.18	16.51	1.82	18.09	42.87	22.27	30.25	22.71
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	23	45	26	34	35
Enterprise Value High	26	24	12	3	23	19	2	30	47	29	44	38
Enterprise Value Low	26	24	12	3	23	19	2	20	43	23	28	31

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	1.32	1.44	2.98	3.12	2.79	17.89	18.17	23.58	17.48	22.45	16.39	19.77
Book Value per Share	4.41	4.25	7.87	7.8	7.21	11.46	12.13	17.69	15.89	16.86	15.53	14.61
Tangible Book Value per Share	4.22	4.07	7.69	7.64	7.05	10.77	11.47	17.05	15.25	16.57	15.28	14.61

Generations Bancorp NY, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)