Generations Bancorp NY, Inc. (GBNY) intrinsic value & 10-year financials

Generations Bancorp NY, Inc. (GBNY) has no Graham intrinsic value right now because the formula needs positive earnings. Over the last 6 fiscal years revenue shrank 8.9% a year to $1.9M, with an average return on invested capital of 1.8%.

Graham intrinsic value
—
Revenue (FY2023)
$1.9M
Revenue growth (6-yr CAGR)
-8.9%
ROIC (10-yr avg)
1.8%
Free cash flow (FY2023)
$1.7M

GBNY 10-year financial history

Fiscal year Revenue Net income EPS (diluted) Free cash flow Operating margin ROIC
FY2023 $1.9M -$1.6M -$0.72 $1.7M — -3.4%
FY2022 $2.0M $1.1M $0.47 $2.5M — 2.4%
FY2021 $2.3M $1.4M $0.60 $3.0M — 3.9%
FY2020 $2.3M $1.7M $0.71 $767.0K — 6.0%
FY2019 $2.7M $87.0K — $556.0K — 0.3%
FY2018 — — — — — —

Source: annual 10-K filings on SEC EDGAR. Figures in USD.

Executive summary

Generations Bancorp NY, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.

Generations Bancorp NY, Inc. has historically struggled to out-earn its cost of capital, averaging just 1.8% ROIC.

Generations Bancorp NY, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.

Benjamin Graham lens

Under Benjamin Graham's formula using SEC EDGAR fundamentals, Generations Bancorp NY, Inc. is modeled at -8.9% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $-3.80 per share.

GBNY stock: frequently asked questions

What is the intrinsic value of Generations Bancorp NY, Inc. (GBNY) stock?

Graham's formula only works with positive earnings. Generations Bancorp NY, Inc. reported diluted EPS of -$0.72 in fiscal 2023, so no Graham value is shown. The 10-year table shows revenue and cash-flow trends instead.

Does Generations Bancorp NY, Inc. generate free cash flow?

Generations Bancorp NY, Inc. generated $1.7M of free cash flow (operating cash flow minus capital expenditures) in fiscal 2023. Free cash flow was positive in 5 of the last 5 reported years.

What is GBNY's return on invested capital?

Average ROIC over the last 6 fiscal years was 1.8%, and average return on equity was 1.7%. Sustained ROIC above about 15% usually points to a durable competitive advantage.

Where does this GBNY data come from?

From Generations Bancorp NY, Inc.'s annual 10-K filings on SEC EDGAR, most recently filed Aug 9, 2024. Prices are end-of-day snapshots; valuations are formula outputs, not investment advice.

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