See more : Triple i Logistics Public Company Limited (III.BK) Income Statement Analysis – Financial Results
Complete financial analysis of Generations Bancorp NY, Inc. (GBNY) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Generations Bancorp NY, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Generations Bancorp NY, Inc. (GBNY)
About Generations Bancorp NY, Inc.
Generations Bancorp NY, Inc. operates as a holding company for Generations Bank that provides various banking products and services. The company accepts various deposit accounts, including demand, NOW, money market, savings, and certificates of deposit accounts. It also provides one- to four-family residential real estate, commercial real estate and multi-family, consumer business, manufactured home, automobile, student, recreational vehicle, construction, and other consumer loans, as well as home equity loans and lines of credit. In addition, it invests in securities, including corporate and municipal bonds issued by states, local municipalities, and schools in the northeastern United States; and mortgage-backed securities issued by the U.S. government sponsored entities and Federal Home Loan Bank stock, as well as offers insurance and other financial products. It operates through primary office in Seneca Falls, New York; and eight full-service branch offices and one drive-through facility located in Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, New York. The company was founded in 1870 and is headquartered in Seneca Falls, New York.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2008 | 2007 | 2006 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9.45M | 11.39M | 12.61M | 12.49M | 10.89M | 15.19M | 11.38M | 9.01M | 11.67M | 12.12M | 12.12M | 10.83M | 5.18M | 6.07M | 5.95M | 5.81M | 5.62M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 9.45M | 11.39M | 12.61M | 12.49M | 10.89M | 15.19M | 11.38M | 9.01M | 11.67M | 12.12M | 12.12M | 10.83M | 5.18M | 6.07M | 5.95M | 5.81M | 5.62M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 6.08M | 4.89M | 5.30M | 5.62M | 6.14M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.56M | 3.04M | 3.07M | 3.03M | 2.90M |
| Selling & Marketing | 204.00K | 428.00K | 433.00K | 418.00K | 388.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 339.00K | 362.00K | 356.00K | 406.00K | 372.00K |
| SG&A | 6.29M | 5.32M | 5.73M | 6.04M | 6.53M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.90M | 3.41M | 3.43M | 3.44M | 3.28M |
| Other Expenses | 3.17M | -4.66M | -16.65M | -16.89M | -17.49M | -4.12M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -8.52M | -9.23M | -9.26M | -9.17M | -8.88M |
| Operating Expenses | 9.45M | 428.00K | -10.91M | -10.85M | -10.96M | 4.12M | 10.67M | 10.96M | 10.14M | 9.26M | 8.87M | 8.50M | -5.61M | -5.82M | -5.83M | -5.73M | -5.60M |
| Cost & Expenses | 9.45M | 428.00K | -10.91M | -10.85M | -10.96M | 15.55M | 10.67M | 10.96M | 10.14M | 9.26M | 8.87M | 8.50M | -5.61M | -5.82M | -5.83M | -5.73M | -5.60M |
| Interest Income | 16.32M | 13.30M | 13.60M | 13.42M | 12.77M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 8.37M | 7.87M | 7.61M | 7.20M | 6.40M |
| Interest Expense | 7.58M | 1.93M | 1.68M | 2.93M | 3.17M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.70M | 3.87M | 3.85M | 3.44M | 2.49M |
| Depreciation & Amortization | 1.02M | 1.01M | 1.09M | 1.12M | 1.14M | 1.04M | -715.00K | 1.95M | -1.54M | -2.86M | -3.25M | -2.33M | 428.00K | 379.00K | 486.00K | 538.00K | 594.00K |
| EBITDA | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 531.00K | 0.00 | 912.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 37.28% | 22.11% | 22.09% | 9.80% | 3.50% | 0.00% | 10.12% | 0.00% | 0.00% | 0.00% | 0.00% | 72.81% | 74.04% | 74.92% | 69.90% | 55.19% |
| Operating Income | 0.00 | 3.24M | 1.70M | 1.64M | -68.00K | -554.00K | 715.00K | -1.95M | 1.54M | 2.86M | 3.25M | 2.33M | -439.00K | 248.00K | 121.00K | 83.00K | 22.00K |
| Operating Income Ratio | 0.00% | 28.43% | 13.45% | 13.16% | -0.62% | -3.65% | 6.28% | -21.65% | 13.17% | 23.57% | 26.83% | 21.48% | -8.48% | 4.09% | 2.03% | 1.43% | 0.39% |
| Total Other Income/Expenses | -1.99M | 0.00 | 1.70M | 1.64M | 0.00 | 195.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Before Tax | -1.99M | 1.30M | 1.70M | 1.64M | -68.00K | -359.00K | 715.00K | -1.95M | 1.54M | 2.86M | 3.25M | 2.33M | -439.00K | 248.00K | 121.00K | 83.00K | 22.00K |
| Income Before Tax Ratio | -21.08% | 11.44% | 13.45% | 13.16% | -0.62% | -2.36% | 6.28% | -21.65% | 13.17% | 23.57% | 26.83% | 21.48% | -8.48% | 4.09% | 2.03% | 1.43% | 0.39% |
| Income Tax Expense | -425.00K | 216.00K | 283.00K | -104.00K | -155.00K | -146.00K | 0.00 | 456.00K | 445.00K | 800.00K | 1.09M | 665.00K | 127.00K | 78.00K | 40.00K | 10.00K | -8.00K |
| Net Income | -1.57M | 1.09M | 1.41M | 1.75M | 87.00K | -213.00K | 715.00K | -1.50M | 1.09M | 2.06M | 2.16M | 1.66M | -488.00K | 170.00K | 81.00K | 73.00K | 30.00K |
| Net Income Ratio | -16.58% | 9.55% | 11.21% | 13.99% | 0.80% | -1.40% | 6.28% | -16.59% | 9.35% | 16.97% | 17.82% | 15.34% | -9.43% | 2.80% | 1.36% | 1.26% | 0.53% |
| EPS | -0.72 | 0.47 | 0.60 | 0.71 | 0.04 | -0.09 | 0.31 | -0.66 | 0.45 | 0.88 | 0.93 | 0.72 | -0.21 | 0.07 | 0.05 | 0.04 | 0.02 |
| EPS Diluted | -0.72 | 0.47 | 0.60 | 0.71 | 0.04 | -0.09 | 0.31 | -0.66 | 0.45 | 0.88 | 0.93 | 0.72 | -0.21 | 0.07 | 0.05 | 0.04 | 0.02 |
| Weighted Avg Shares Out | 2.19M | 2.31M | 2.35M | 2.46M | 2.46M | 2.46M | 2.31M | 2.27M | 2.43M | 2.34M | 2.32M | 2.31M | 2.30M | 2.29M | 1.78M | 1.78M | 1.78M |
| Weighted Avg Shares Out (Dil) | 2.19M | 2.31M | 2.35M | 2.46M | 2.46M | 2.46M | 2.31M | 2.27M | 2.43M | 2.34M | 2.32M | 2.31M | 2.30M | 2.29M | 1.78M | 1.78M | 1.78M |
Generations Bancorp NY, Inc. Announces Voluntary Nasdaq Delisting and SEC Deregistration
GENERATIONS BANCORP NY, INC. APPOINTS ANGELA KREZMER AS PRESIDENT & CEO
3 Under-the-Radar Stocks Insiders Are Loading Up On Before They Skyrocket
Generations Bancorp: Trading Below Liquidation Value And Our Favorite Activist On-Board
Generations Bancorp NY, Inc. Announces Planned Retirement of Kenneth Winn, SVP of Credit Administration
Source: https://incomestatements.info
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