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Business Description
Generations Bancorp NY Inc
NAICS : 522110
SIC : 6022
ISIN : US81688L1026
Description
Generations Bancorp NY Inc is a stock holding company whose business consists of attracting retail deposits investing those in mortgage loans, manufactured homes, real estate, home equity, commercial, construction, and multi-family loans. It has three segments community banking, insurance agency, and municipal banking segments. It generates the majority of its revenue from Community banking Which provides financial services to consumers and businesses principally in the Finger Lakes Region and Orleans County of New York State.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.61 | |||||
| Equity-to-Asset | 0.09 | |||||
| Debt-to-Equity | 0.6 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 2/9 | |||||
| Beneish M-Score | -2.44 | |||||
| WACC vs ROIC | ||||||
Growth Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | -5.3 | |||||
| 3-Year FCF Growth Rate | 34.7 | |||||
| 3-Year Book Growth Rate | 11.6 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 91.41 | |||||
| 9-Day RSI | 84.5 | |||||
| 14-Day RSI | 79.24 | |||||
| 3-1 Month Momentum % | 1.66 | |||||
| 6-1 Month Momentum % | -2.54 | |||||
| 12-1 Month Momentum % | 53.35 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Average Share Buyback Ratio | 3.2 | |||||
| Shareholder Yield % | -7.82 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | -32.09 | |||||
| FCF Margin % | -4.4 | |||||
| ROE % | -7.24 | |||||
| ROA % | -0.65 | |||||
| Years of Profitability over Past 10-Year | 8 |
GF Value Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Shiller PE Ratio | 110 | |||||
| PS Ratio | 4.3 | |||||
| PB Ratio | 1.04 | |||||
| Price-to-Tangible-Book | 1.06 | |||||
| EV-to-Revenue | 5.59 | |||||
| EV-to-FCF | -127.22 | |||||
| Price-to-GF-Value | 2.1 | |||||
| Price-to-Projected-FCF | 0.79 | |||||
| Price-to-Median-PS-Value | 1.03 | |||||
| FCF Yield % | -0.96 |
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