Generations Bancorp NY Inc (GBNY) — Financial Flexibility Index
Generations Bancorp NY Inc (GBNY) has a Financial Flexibility Index of 0.00x as of June 2024. Free cash flow of $1.60 Million (operating CF $1.58 Million minus capex $20.00K) represents 0% of total liabilities ($366.21 Million). Check GBNY cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Generations Bancorp NY Inc Financial Flexibility Index (2004–2025)
Historical Financial Flexibility Index trend for Generations Bancorp NY Inc across 13 annual periods. For the full cash flow conversion analysis, see Generations Bancorp NY Inc (GBNY) cash conversion ratio.
Annual Financial Flexibility Index for Generations Bancorp NY Inc (2004–2025)
Year-by-year free cash flow to debt coverage for Generations Bancorp NY Inc. Explore cash flow to debt ratio of Generations Bancorp NY Inc to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $1.77 Million | $1.75 Million | $315.53 Million | ▲ +294.8% |
| 2024 | 0.00x | $-1.01 Million | $-1.06 Million | $351.75 Million | ▼ -146.4% |
| 2023 | 0.01x | $2.40 Million | $2.04 Million | $386.80 Million | ▼ -54.9% |
| 2022 | 0.01x | $4.81 Million | $4.35 Million | $348.96 Million | ▲ +20.9% |
| 2021 | 0.01x | $3.83 Million | $3.40 Million | $335.47 Million | ▲ +219.2% |
| 2020 | 0.00x | $1.23 Million | $998.00K | $343.91 Million | ▼ -47.5% |
| 2019 | 0.01x | $2.17 Million | $1.36 Million | $319.32 Million | ▲ +305.7% |
| 2018 | 0.00x | $488.00K | $-464.00K | $290.79 Million | ▼ -93.0% |
| 2008 | 0.02x | $3.84 Million | $1.76 Million | $160.20 Million | ▼ -91.7% |
| 2007 | 0.29x | $36.47 Million | $35.90 Million | $126.59 Million | ▲ +4702.2% |
| 2006 | 0.01x | $804.00K | $736.00K | $134.04 Million | ▼ -59.1% |
| 2005 | 0.01x | $2.08 Million | $959.00K | $141.84 Million | ▲ +38.6% |
| 2004 | 0.01x | $1.49 Million | $582.00K | $141.02 Million | — |