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.
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. For the complete balance sheet picture, see Generations Bancorp NY Inc total assets.
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. See Generations Bancorp NY Inc (GBNY) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
| 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 | $- | $- | — |