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.