Generations Bancorp NY, Inc.
Other OTCTotal Valuation
Generations Bancorp NY, Inc. carries a market capitalization of 34.31M, placing it among publicly traded companies globally. Its enterprise value stands at 4.66M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 34.31M |
| Enterprise Value | 4.66M |
Share Statistics
Generations Bancorp NY, Inc. currently has 2.24M shares outstanding.
| Shares Outstanding | 2.24M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
The price-to-sales ratio is 2.72, and the price-to-book ratio stands at 1.14.
| PE Ratio | N/A |
| PS Ratio | 2.72 |
| PB Ratio | 1.14 |
| P/TBV Ratio | 0.64 |
| P/FCF Ratio | 251.02 |
| P/OCF Ratio | -164.27 |
Enterprise Valuation
On an enterprise value basis, Generations Bancorp NY, Inc. trades at an EV/EBITDA multiple of 4.62 and an EV/FCF ratio of 52.35.
| EV / Sales | 0.57 |
| EV / EBITDA | 4.62 |
| EV / EBIT | N/A |
| EV / FCF | 52.35 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 59.97 |
| Debt / EBITDA | 21.15 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | -12.96 |
| Return on Assets (ROA) | -0.64 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
| Income Tax | -768,000.00 |
| Effective Tax Rate | N/A |
Stock Price Statistics
Generations Bancorp NY, Inc.'s stock has declined approximately -9.11285% over the past 52 weeks. The 50-day moving average sits at 14.92, while the 200-day moving average is 16.37.
| Beta (5Y) | N/A |
| 52-Week Price Change | -9.11285% |
| 50-Day Moving Average | 14.92 |
| 200-Day Moving Average | 16.37 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Generations Bancorp NY, Inc. generated 8.21M in revenue and converted that into -2.63M in net income, yielding earnings per share of -1.21.
| Revenue | 8.21M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | -3.40M |
| Net Income | -2.63M |
| EBITDA | 1.01M |
| EBIT | N/A |
| Earnings Per Share (EPS) | -1.21 |
Balance Sheet
Generations Bancorp NY, Inc. holds 39.00M in cash and equivalents against 21.32M in total debt, resulting in a net debt position of 8.33M.
| Cash & Cash Equivalents | 39.00M |
| Total Debt | 21.32M |
| Net Debt | 8.33M |
| Equity (Book Value) | 19.64M |
| Book Value Per Share | 9.01 |
| Working Capital | N/A |
Cash Flow
Generations Bancorp NY, Inc. produced -136,000.00 in operating cash flow over the past twelve months. After subtracting -225,000.00 in capital expenditures, free cash flow totaled -361,000.00 - equivalent to -0.17 per share.
| Operating Cash Flow | -136,000.00 |
| Capital Expenditures | -225,000.00 |
| Free Cash Flow | -361,000.00 |
| FCF Per Share | -0.17 |
Margins
Generations Bancorp NY, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | -41.44 |
| Profit Margin | -32.09 |
| EBITDA Margin | 12.27 |
Dividends & Yields
| Dividend Per Share | N/A |
| Dividend Yield | N/A |
| Payout Ratio | N/A |
| Shareholder Yield | -33.74 |
| FCF Yield | 0.40 |
Scores
Generations Bancorp NY, Inc. posts an Altman Z-Score of 0.13, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.13 |