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The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2025-03-13), Generations Bancorp NY's share price is $15.45. Generations Bancorp NY's Book Value per Share for the quarter that ended in Jun. 2024 was $15.86. Hence, Generations Bancorp NY's PB Ratio of today is 0.97.
The historical rank and industry rank for Generations Bancorp NY's PB Ratio or its related term are showing as below:
During the past 10 years, Generations Bancorp NY's highest PB Ratio was 0.99. The lowest was 0.51. And the median was 0.67.
During the past 12 months, Generations Bancorp NY's average Book Value Per Share Growth Rate was -1.10% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 11.60% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 17.30% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Generations Bancorp NY was 34.90% per year. The lowest was 2.90% per year. And the median was 11.60% per year.
The historical data trend for Generations Bancorp NY's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Generations Bancorp NY Annual Data | |||||||||||||||||||||
Trend | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec19 | Dec20 | Dec21 | Dec22 | Dec23 | |||||||||||
PB Ratio | Get a 7-Day Free Trial |
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0.91 | 0.86 | 0.67 | 0.68 | 0.60 |
Generations Bancorp NY Quarterly Data | ||||||||||||||||||||
Sep19 | Dec19 | Mar20 | Jun20 | Sep20 | Dec20 | Mar21 | Jun21 | Sep21 | Dec21 | Mar22 | Jun22 | Sep22 | Dec22 | Mar23 | Jun23 | Sep23 | Dec23 | Mar24 | Jun24 | |
PB Ratio | Get a 7-Day Free Trial |
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0.57 | 0.54 | 0.60 | 0.61 | 0.65 |
For the Banks - Regional subindustry, Generations Bancorp NY's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
For the Banks industry and Financial Services sector, Generations Bancorp NY's PB Ratio distribution charts can be found below:
* The bar in red indicates where Generations Bancorp NY's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Generations Bancorp NY's PB Ratio for today is calculated as follows:
PB Ratio | = | Share Price | / | Book Value per Share (Q: Jun. 2024) |
= | 15.45 | / | 15.855 | |
= | 0.97 |
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
PB Ratio | = | Market Cap | / | (Total Stockholders Equity | - | Preferred Stock) |
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Generations Bancorp NY (NAS:GBNY) PB Ratio Explanation
Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Thank you for viewing the detailed overview of Generations Bancorp NY's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.
Bradford M Jones | director, other: Chairman of the Board | 19 CAYUGA STREET, SENECA FALLS NY 13148 |
Frank Nicchi | director | 19 CAYUGA STREET, SENECA FALLS NY 13148 |
Menzo D Case | director, officer: President and CEO | 19 CAYUGA STREET, SENECA FALLS NY 13148 |
Cynthia S Aikman | director | 20 EAST BAYARD STREET, SENECA FALLS NY 13148 |
Derek M Dyson | officer: SVP, Chief Information Officer | 20 EAST BAYARD STREET, SENECA FALLS NY 13148 |
Alicia H Pender | director | 45 SOUTH MAIN STREET, FAIRPORT NY 14450 |
Anthony G Cutrona | officer: SVP, Growth & Profitability | 20 EAST BAYARD STREET, SENECA FALLS NY 13148 |
Angela M Krezmer | officer: SVP and CFO | 45 SOUTH MAIN STREET, FAIRPORT NY 14450 |
Kenneth Vincent Winn | officer: SVP Credit Administration | 220 LIBERTY STREET, WARSAW NY 14569 |
Gerald Macaluso | director | 19 CAYUGA STREET, SENECA FALLS NY 13148 |
August P Sinicropi | director | 19 CAYUGA STREET, SENECA FALLS NY 13148 |
Jose A Acevedo | director | 20 EAST BAYARD STREET, SENECA FALLS NY 13148 |
James Elsworth Gardner | director | 20 EAST BAYARD STREET, SENECA FALLS NY 13148 |
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