Fundamental Analysis of Generations Bancorp NY Inc - Growth / Value Index
GBNY - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.216
Price to Book Ratio is 0.213 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | -11.27 | -24.19 | -205.89 % | |
| Price to Book | 0.213 | 0.055 | -91.70 % | 0.599 |
| Price to Sales | 1.40 | 2.34 | 25.29 % | |
| Enterprise Value to EBITDA Multiple | 30.78 | 7.64 | -31.62 % |
GBNY - Profitability Highlights
Profitability Analysis
Gives Dividend Yield of 5.48 %
Piotroski F Score - Stable Value of 4.0
Tsr Profitability Index - Very Poor Score of 5.00
Company Net profit is Negative for last 5 Quarters
In the last three years, the company has given poor Returns on Equity
In the last three years, the company has given poor Returns on Assets
Negative Net Margin MRQ
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | -5.47 | -2.43 | -183.35 % | -1.61 |
| Return On Asset | -0.494 | -0.216 | -176.60 % | -0.142 |
| Net Profit Margin | -12.38 | -9.67 | -218.32 % | -10.66 |
| Operating Profit Margin | -11.03 | -21.05 | -186.50 % | -13.61 |
| EBITDA Margin | 9.12 | 62.66 | 96.39 % | 4.66 |
Highlights
| Market Cap | 22642.40 K |
| Enterprise Value | 45805.40 K |
| Price/Book TTM | 0.213 |
| Outstanding Share | 2241.80 K |
| Float/ Outstanding Share | 65.84% |
| Dividend Yield | 5.48 % |
Share Holding
Guru Numbers
| Price/Graham No | 0 |
| Peter Lynch Ratio | 0 |
| Piotroski F Score | 4.00 |
| Altman Z Score | 0.706 |
| Sloan Ratio | -0.0040 |
| Peter Lynch Fair Value | 0 |
GBNY - Growth Highlights
Growth Analysis
Quarterly sales in last 5 years is trending up
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 22.71
Annual sales in last 3 years is trending down
Operating Cash Flow decreasing for last 3 year
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 16320.00 K | 28.86 % | 117.40 % |
| Gross Profit | 13705.00 K | 22.65 % | % |
| EBITDA | 1488.00 K | 39.72 % | 88.22 % |
| Net Profit | -2021.00 K | 184.18 % | 0 % |
| EPS | -0.896 | 194.43 % | NA |
GBNY - Stability Highlights
Stability Analysis
Tsr Stability Index - Poor Score of 28.12
Altman Z Score of 0.706 suggest high risk
Company's debt has increased with decreasing revenue.
Interest Coverage of 0.843
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.720 | 1.33 % | 0.095 |
| Cash Ratio | 0.133 | -94.19 % | |
| Quick Ratio | 2.79 | -5.18 % | 0.072 |
| Shareholders Equity | 8.88 | -8.10 % | |
| Debt to EBITDA | 4.58 | -26.75 % |
Historical Valuation Ratios of Generations Bancorp NY Inc
Historical Valuation Ratios
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Historical Profitability Ratios of Generations Bancorp NY Inc
Historical Profitability Ratios
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Historical Efficiency Ratios of Generations Bancorp NY Inc
Historical Efficiency Ratios
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Historical Solvency Ratios of Generations Bancorp NY Inc
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)