GBNY
Generations Bancorp NY Inc
NASDAQ: GBNY · FINANCIAL SERVICES · BANKS - REGIONAL
$14.81
+0.00% today
Updated 2026-04-30
Market cap
$34.07M
P/E ratio
—
P/S ratio
4.40x
EPS (TTM)
$-1.23
Dividend yield
—
52W range
$15 – $18
Volume
0.0M
Generations Bancorp NY Inc (GBNY) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2004 | 2005 | 2006 | 2007 | 2008 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $8.11M | $9.26M | $9.80M | $9.94M | $8.88M | $10.83M | $12.12M | $12.12M | $11.67M | $9.01M | $11.38M | $15.19M | $14.06M | $15.42M | $14.29M | $13.32M | $17.03M | $18.77M |
| Revenue growth (YoY) | — | +14.1% | +5.8% | +1.4% | -10.7% | +22.0% | +11.9% | -0.1% | -3.7% | -22.8% | +26.3% | +33.5% | -7.4% | +9.7% | -7.3% | -6.8% | +27.8% | +10.2% |
| Cost of revenue | $2.70M | $3.53M | $3.94M | $3.96M | $3.83M | — | — | — | — | — | — | — | $3.53M | $3.40M | $2.22M | $2.56M | $8.51M | — |
| Gross profit | $5.41M | $5.73M | $5.86M | $5.97M | $5.04M | $10.83M | $12.12M | $12.12M | $11.67M | $9.01M | $11.38M | $15.19M | $10.53M | $12.01M | $12.07M | $10.76M | $8.52M | — |
| Gross margin | 66.7% | 61.9% | 59.8% | 60.1% | 56.8% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 74.9% | 77.9% | 84.4% | 80.7% | 50.0% | 0.0% |
| R&D | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| SG&A | $2.90M | $3.03M | $3.07M | $3.04M | $2.56M | — | — | — | — | — | — | — | $6.14M | $5.62M | $5.30M | $4.89M | $6.08M | — |
| Operating income | $22000.00 | $83000.00 | $121000.00 | $248000.00 | $-439000.00 | $2.33M | $3.25M | $2.86M | $1.54M | $-1.95M | $715000.00 | $-554000.00 | $-68000.00 | $1.64M | $1.70M | $1.30M | $-1.99M | $-4.72M |
| Operating margin | 0.3% | 0.9% | 1.2% | 2.5% | -4.9% | 21.5% | 26.8% | 23.6% | 13.2% | -21.6% | 6.3% | -3.6% | -0.5% | 10.7% | 11.9% | 9.8% | -11.7% | -25.2% |
| EBITDA | $616000.00 | $621000.00 | $607000.00 | $627000.00 | $-11000.00 | — | — | — | — | $912000.00 | — | $531000.00 | $1.07M | $2.76M | $2.79M | $2.31M | $-974000.00 | $-4.72M |
| EBITDA margin | 7.6% | 6.7% | 6.2% | 6.3% | -0.1% | 0.0% | 0.0% | 0.0% | 0.0% | 10.1% | 0.0% | 3.5% | 7.6% | 17.9% | 19.5% | 17.3% | -5.7% | -25.2% |
| EBIT | $22000.00 | $83000.00 | $121000.00 | $248000.00 | $-439000.00 | — | — | — | — | $-1.04M | — | $-510000.00 | $-68000.00 | $1.64M | $1.70M | $1.30M | $-1.99M | — |
| Interest expense | $2.49M | $3.44M | $3.85M | $3.87M | $3.70M | — | — | — | — | — | $0.00 | $0.00 | $3.17M | $2.92M | $1.68M | $1.93M | $7.58M | — |
| Income tax | $-8000.00 | $10000.00 | $40000.00 | $78000.00 | $127000.00 | $665000.00 | $1.09M | $800000.00 | $445000.00 | $-456000.00 | — | $-146000.00 | $-155000.00 | $-104000.00 | $283000.00 | $216000.00 | $-425000.00 | $55000.00 |
| Effective tax rate | -36.4% | 12.0% | 33.1% | 31.5% | -35.2% | 28.6% | 33.6% | 28.0% | 29.0% | 23.4% | 0.0% | 40.7% | 227.9% | -6.3% | 16.7% | 16.6% | 21.3% | -1.2% |
| Net income | $30000.00 | $73000.00 | $81000.00 | $170000.00 | $-488000.00 | $1.66M | $2.16M | $2.06M | $1.09M | $-1.50M | $715000.00 | $-213000.00 | $87000.00 | $1.75M | $1.41M | $1.09M | $-1.57M | $-4.78M |
| Net income growth (YoY) | — | +143.3% | +11.0% | +109.9% | -387.1% | +440.4% | +30.0% | -4.8% | -46.9% | -236.9% | +147.8% | -129.8% | +140.8% | +1909.2% | -19.2% | -23.1% | -244.2% | -204.7% |
| Profit margin | 0.4% | 0.8% | 0.8% | 1.7% | -5.5% | 15.3% | 17.8% | 17.0% | 9.4% | -16.6% | 6.3% | -1.4% | 0.6% | 11.3% | 9.9% | 8.2% | -9.2% | -25.4% |