Generations Bancorp NY Inc (GBNY) — Cash Flow Quality Index
Generations Bancorp NY Inc (GBNY) has a Cash Flow Quality Index of 33.72x as of December 2022. Operating cash flow of $1.55 Million exceeds net income of $46.00K, indicating high earnings quality where cash backs reported profits. Explore debt repayment capacity of Generations Bancorp NY Inc to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Generations Bancorp NY Inc Cash Flow Quality Index (2004–2022)
Historical Cash Flow Quality Index for Generations Bancorp NY Inc across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Generations Bancorp NY Inc cash flow conversion.
Annual Cash Flow Quality Index for Generations Bancorp NY Inc (2004–2022)
Year-by-year earnings quality comparison for Generations Bancorp NY Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2022 | 4.00x | $4.35 Million | $1.09 Million | ▲ +66.2% |
| 2021 | 2.41x | $3.40 Million | $1.41 Million | ▲ +321.7% |
| 2020 | 0.57x | $998.00K | $1.75 Million | ▼ -96.4% |
| 2019 | 15.69x | $1.36 Million | $87.00K | ▲ +721.8% |
| 2017 | 1.91x | $1.36 Million | $715.00K | ▼ -99.1% |
| 2007 | 211.15x | $35.90 Million | $170.00K | ▲ +2223.8% |
| 2006 | 9.09x | $736.00K | $81.00K | ▼ -30.8% |
| 2005 | 13.14x | $959.00K | $73.00K | ▼ -32.3% |
| 2004 | 19.40x | $582.00K | $30.00K | — |