Generations Bancorp NY Inc (GBNY) — Defensive Interval Ratio
Generations Bancorp NY Inc (GBNY) has a Defensive Interval Ratio of 29 days as of March 2025. Defensive assets of $26.12 Million (cash $-, short-term investments $24.36 Million, receivables $1.76 Million) cover 29 days of daily cash needs of $894.01K/day. Check tangible net worth ratio of Generations Bancorp NY Inc to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Generations Bancorp NY Inc Defensive Interval Ratio (2004–2025)
This chart shows how Generations Bancorp NY Inc's Defensive Interval Ratio has evolved across 11 annual periods from 2004 to 2025. As of March 2025, the ratio stands at 29 days, meaning defensive assets of $26.12 Million can fund 29 days of operations without new revenue. Also explore Generations Bancorp NY Inc net asset momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Generations Bancorp NY Inc (2004–2025)
The table below presents the year-by-year Defensive Interval Ratio for Generations Bancorp NY Inc from 2004 to 2025, covering 11 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Generations Bancorp NY Inc market capitalisation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 32 days | $26.15 Million | $809.26K/day | $- | $24.96 Million | ▼ -8 days |
| 2024 | 40 days | $26.09 Million | $653.10K/day | $- | $24.39 Million | ▼ -7 days |
| 2023 | 47 days | $33.78 Million | $718.22K/day | $- | $31.30 Million | ▲ +9 days |
| 2022 | 38 days | $34.35 Million | $914.73K/day | $- | $33.05 Million | ▼ -7 days |
| 2021 | 45 days | $38.22 Million | $854.93K/day | $- | $36.98 Million | ▲ +22 days |
| 2020 | 23 days | $19.11 Million | $848.07K/day | $- | $17.93 Million | ▼ -18 days |
| 2019 | 41 days | $31.84 Million | $776.27K/day | $- | $30.63 Million | ▲ +18 days |
| 2008 | 23 days | $684.00K | $29.32K/day | $- | $- | ▼ -467 days |
| 2006 | 491 days | $773.00K | $1.58K/day | $- | $- | ▲ +464 days |
| 2005 | 26 days | $634.00K | $23.97K/day | $- | $- | ▼ -1 days |
| 2004 | 28 days | $588.00K | $21.23K/day | $- | $- | — |