OTC · Financial Statements

Generations Bancorp NY, Inc. (GBNY) Financial Statements

$15.15 OTC: GBNY Market Cap $34.51M

Generations Bancorp NY, Inc. most recently reported annual revenue of $17.0M, a net loss of $5.0M. Revenue grew at an average annual rate of 2.5% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Annual Financials (USD)

Metric20212022202320242025
Revenue$14.0M$13.0M$17.0M$19.0M$17.0M
Operating Profit$2.0M$1.0M$-2.0M$-5.0M$-5.0M
Net Profit$1.0M$1.0M$-2.0M$-5.0M$-5.0M
EPS$0.60$0.47$-0.72$-2.21$-2.06
Op Margin11.9%9.8%-11.7%-25.1%-28.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$379.0M$386.0M$424.0M$387.0M$349.0M
Total Liabilities$335.0M$349.0M$387.0M$352.0M$316.0M
Cash$21.0M$8.0M$19.0M$13.0M$3.0M
Borrowings$18.0M$27.0M$24.0M$20.0M$17.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$3.0M$4.0M$2.0M$-1.0M$2.0M
Investing Cash Flow$-13.0M$-30.0M$-32.0M$34.0M$40.0M
Financing Cash Flow$1.0M$4.0M$39.0M$-31.0M$-31.0M
Net Cash Flow$-6.0M$-13.0M$7.0M$-2.0M$8.0M
Free Cash Flow$3.0M$4.0M$2.0M$-1.0M$2.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-6.91
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y-7.34%
Return 3Y61.34%
Return 5Y45.67%

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Data for information only, not investment advice. Figures may be delayed or inaccurate; verify against company filings. See our disclaimer.