Generations Bancorp NY Balance Sheet Health
Financial Health criteria checks 6/6
Generations Bancorp NY has total assets of $401.8M and total equity of $35.5M. Total deposits are $338.8M, and total loans are $322.2M. It earns a Net Interest Margin of 2.4%. It has sufficient allowance for bad loans, which are currently at 1% of total loans. Cash and short-term investments are $13.6M.
Key information
11.3x
Asset to equity ratio
2.4%
Net interest margin
| Total deposits | US$338.82m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.0% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$13.64m |
Recent financial health updates
Recent updates
Generations Bancorp: Trading Below Liquidation Value And Our Favorite Activist On-Board
Aug 24Here's Why Generations Bancorp NY, Inc.'s (NASDAQ:GBNY) CEO Compensation Is The Least Of Shareholders Concerns
May 14
Generations Bancorp NY names new CFO
Apr 26Do Generations Bancorp NY's (NASDAQ:GBNY) Earnings Warrant Your Attention?
Apr 12Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: GBNY's Assets to Equity ratio (11.3x) is moderate.
Allowance for Bad Loans: GBNY has a sufficient allowance for bad loans (101%).
Low Risk Liabilities: 93% of GBNY's liabilities are made up of primarily low risk sources of funding.
Loan Level: GBNY has an appropriate level of Loans to Assets ratio (80%).
Low Risk Deposits: GBNY's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: GBNY has an appropriate level of bad loans (1%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/28 15:34 |
| End of Day Share Price | 2024/12/26 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Generations Bancorp NY, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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