US · SAVINGS INSTITUTION, FEDERALLY CHARTERED
Generations Bancorp NY, Inc. GBNY
5 fiscal years on record · USD · FY2023 reported
SEC FILINGS ONLY
Revenue · FY2023
$1.9M
▼ 7.3% vs FY2022
EPS · FY23
$-0.72
Dividend / sh · FY23
—
Payout · FY23
—
ROE · FY23
-4.2%
Net margin · FY23
-83.4%
Dividend coverage
—
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Result
USD 1.9M
Revenue, FY2023 · full 5-year series below
Revenue
Net income
The company lost 83 cents on every revenue dollar this year.
Per share
USD -0.72
Diluted EPS, FY2023
EPS
The company pays no cash dividend.
Profitability
-4.2%
Return on equity, FY2023
ROE
Operating margin-106.0%
Net margin-83.4%
Return on assets-0.4%
Each USD of equity lost 4 cents this year.
Returned to shareholders
USD 1.1M
returned in FY2023 · dividends + net buybacks
Dividends paid—
Net buybacksUSD 1.1M
Share of profit-68.5%
Consecutive raises—
USD 1.1M in buybacks went back to shareholders in a year without profit.
Growth
—
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
−6.7%
Returned to shareholders
+197.0%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.00B
Shares outstanding, FY2023
Change, 5 years—
Change, 10 years—
A share split breaks the comparison across the period, so we leave it out.
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Balance sheet
USD 424.5M
total assets, end of FY2023
Total assetsUSD 424.5M
EquityUSD 37.7M
CashUSD 14.5M
DepositsUSD 357.6M
Equity funds 9% of total assets.
History
5 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2023
2022
2021
2020
2019
Revenue $B
0.0
0.0
0.0
0.0
0.0
Operating income $B
−0.0
0.0
0.0
0.0
·
EBITDA $B
−0.0
0.0
0.0
0.0
·
Income tax $B
−0.0
0.0
0.0
−0.0
−0.0
Net income $B
−0.0
0.0
0.0
0.0
0.0
EPS, diluted $
−0.72
0.47
0.60
0.71
·
Dividend / sh $
·
·
·
·
·
Payout %
·
·
·
·
·
ROE %
−4.2
2.7
3.9
6.0
0.3
Shares out B
0.00
0.00
0.00
0.00
0.00
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
10 of 10
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed