Income statement, balance sheet and cash flow statement for the last 5 fiscal years, taken from the XBRL data Generations Bancorp NY, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2020
FY2020
FY2021
FY2022
FY2023
Revenue
2.73
2.32
2.29
2.03
1.88
Interest expense
3.17
2.93
1.68
1.93
7.58
Pre-tax income
-0.07
1.64
1.7
1.3
-1.99
Income tax
-0.16
-0.1
0.28
0.22
-0.43
Net income
0.09
1.75
1.41
1.09
-1.57
EPS, basic
0.04
0.71
0.60
0.47
-0.72
EPS, diluted
0.04
0.71
0.60
0.47
-0.72
Shares, basic (weighted)
2.46
2.45
2.35
2.31
2.19
Shares, diluted (weighted)
2.46
2.45
2.35
2.31
2.19
Balance sheet
FY2020
FY2020
FY2021
FY2022
FY2023
Cash and equivalents
13.4
26.8
21
8
14.5
Property, plant and equipment
17.6
16.7
15.3
14.9
14.2
Goodwill
0.79
0.79
0.79
0.79
0
Intangible assets
0.91
0.85
0.78
0.72
0.65
Total assets
348
374
379
386
424
Short-term debt
16.2
Total liabilities
319
344
335
349
387
Paid-in capital
12
12
24.5
23
22.3
Retained earnings
18.6
20.3
21.7
22.5
21
Treasury stock
-0.57
-0.61
Other comprehensive income
-1.66
-1.42
-0.97
-6.47
-4.26
Shareholders' equity
28.2
29.9
43.5
37.3
37.7
Total equity
28.2
29.9
43.5
37.3
37.7
Total liabilities and equity
348
374
379
386
424
Shares outstanding
2.47
2.46
2.46
2.35
2.24
Cash flow statement
FY2020
FY2020
FY2021
FY2022
FY2023
Net income
0.09
1.75
1.41
1.09
-1.57
Depreciation and amortization
1.08
1.05
1.03
0.94
0.95
Stock-based compensation
0.13
0.42
Deferred income tax
-0.16
0.66
0.18
0.2
-0.44
Cash from operations
1.37
1
3.4
4.35
2.04
Capital expenditures
-0.81
-0.23
-0.43
-0.46
-0.37
Purchases of investments
-20.1
-6.88
-27.1
-3.69
-2.24
Sales and maturities of investments
1.71
1.85
2.97
2.24
5.33
Cash from investing
-25.8
-10.4
-12.7
-29.8
-31.8
Debt issued
15
6
0.98
18
Debt repaid
-8.12
-9.82
-9.87
-8.41
Share buybacks
-0.04
-0.04
-1.87
-1.07
Cash from financing
28.7
22.8
3.42
12.5
36.2
Net change in cash
4.31
13.4
-5.83
-13
6.52
Free cash flow
0.56
0.77
2.98
3.89
1.67
Interest paid
3.15
3
1.7
1.81
7.1
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2024; growth uses fiscal years. Valuation uses the share price of $16.23 on September 14, 2026.
Profitability
Metric
Value
How it is calculated
Pre-tax margin
-247.0%
Pre-tax income / revenue.
Net margin
-191.2%
Net income / revenue.
FCF margin
-26.2%
Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin
-9.9%
Cash from operations / revenue.
Return on equity (ROE)
-7.4%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
-0.7%
Net income / average total assets.
Stock-based pay / revenue
24.5%
Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue
16.3%
Capital expenditures / revenue.
D&A / revenue
68.4%
Depreciation and amortization / revenue.
Growth
Metric
Value
How it is calculated
Revenue growth, 1y
-7.3%
Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y
-6.7%
Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income growth, 1y
-244.2%
Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y
-253.2%
EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
-53.2%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y
26.8%
Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow growth, 1y
-57.1%
Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y
29.6%
Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y
1.0%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
8.0%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
9.9%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
4.3%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Share count change, 1y
-5.2%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y
-3.7%
Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share
$0.64
Revenue / diluted weighted shares.
FCF per share
-$0.17
Free cash flow / diluted weighted shares.
Operating cash flow per share
-$0.06
Cash from operations / diluted weighted shares.
Book value per share
$15.86
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/S
26.4x
Market cap / revenue.
P/B
1.02x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.04x
Market cap / tangible book value, when positive.
EV/Sales
19.3x
Enterprise value / revenue.
FCF yield
-1.0%
Free cash flow / market cap.
Earnings yield
-7.2%
Net income / market cap (the inverse of P/E).
What was Generations Bancorp NY, Inc.'s revenue in fiscal 2023?
Generations Bancorp NY, Inc. reported revenue of $1.9M for fiscal 2023, 7.3% lower than the year before.
Was Generations Bancorp NY, Inc. profitable in fiscal 2023?
No. It reported a net loss of $1.6M.
How much free cash flow did Generations Bancorp NY, Inc. generate in fiscal 2023?
Cash from operations of $2.0M minus capital expenditures of $367.0K left free cash flow of $1.7M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.