Generations Bancorp NY Inc (GBNY) - Net Assets
Based on the latest financial reports, Generations Bancorp NY Inc (GBNY) has net assets worth $33.28 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($348.81 Million) and total liabilities ($315.53 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how tangible is Generations Bancorp NY Inc's equity to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $33.28 Million |
| % of Total Assets | 9.54% |
| Annual Growth Rate | 5.65% |
| 5-Year Change | -23.46% |
| 10-Year Change | 79.27% |
| Growth Volatility | 30.86 |
Generations Bancorp NY Inc - Net Assets Trend (2004–2025)
This chart illustrates how Generations Bancorp NY Inc's net assets have evolved over time, based on quarterly financial data. See Generations Bancorp NY Inc defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Generations Bancorp NY Inc (2004–2025)
The table below shows the annual net assets of Generations Bancorp NY Inc from 2004 to 2025. For live valuation and market cap data, see Generations Bancorp NY Inc market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $33.28 Million | -5.98% |
| 2024-12-31 | $35.40 Million | -6.10% |
| 2023-12-31 | $37.70 Million | +0.99% |
| 2022-12-31 | $37.33 Million | -14.15% |
| 2021-12-31 | $43.48 Million | +45.48% |
| 2020-12-31 | $29.89 Million | +5.86% |
| 2019-12-31 | $28.23 Million | +3.15% |
| 2018-12-31 | $27.37 Million | +62.49% |
| 2008-12-31 | $16.84 Million | -9.28% |
| 2007-12-31 | $18.57 Million | -0.85% |
| 2006-12-31 | $18.72 Million | +85.17% |
| 2005-12-31 | $10.11 Million | -3.73% |
| 2004-12-31 | $10.50 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Generations Bancorp NY Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 10.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $11.54 Million | 34.68% |
| Common Stock | $23.00K | 0.07% |
| Other Comprehensive Income | $-1.58 Million | -4.74% |
| Other Components | $23.29 Million | 69.99% |
| Total Equity | $33.28 Million | 100.00% |
Generations Bancorp NY Inc Competitors by Market Cap
The table below lists competitors of Generations Bancorp NY Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Samchuly Bicycle Co. Ltd
KQ:024950
|
$33.79 Million |
|
Tirta Mahakam Resources Tbk
JK:TIRT
|
$33.79 Million |
|
Studio Mir Co. Ltd.
KQ:408900
|
$33.79 Million |
|
Daewon Co. Ltd
KQ:007680
|
$33.79 Million |
|
Momentus Inc
NASDAQ:MNTS
|
$33.74 Million |
|
Opticis Company Limited
KQ:109080
|
$33.73 Million |
|
Wonik Cube Corp
KQ:014190
|
$33.73 Million |
|
Industrial Investment Trust Limited
NSE:IITL
|
$33.70 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Generations Bancorp NY Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 35,398,000 to 33,281,000, a change of -2,117,000 (-6.0%).
- Net loss of 4,682,000 reduced equity.
- Other comprehensive income increased equity by 1,812,000.
- Other factors increased equity by 753,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-4.68 Million | -14.07% |
| Other Comprehensive Income | $1.81 Million | +5.44% |
| Other Changes | $753.00K | +2.26% |
| Total Change | $- | -5.98% |
Book Value vs Market Value Analysis
This analysis compares Generations Bancorp NY Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.03x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.54x to 1.03x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | $5.92 | $15.06 | x |
| 2005-12-31 | $5.70 | $15.06 | x |
| 2006-12-31 | $10.55 | $15.06 | x |
| 2007-12-31 | $8.10 | $15.06 | x |
| 2008-12-31 | $7.33 | $15.06 | x |
| 2018-12-31 | $11.11 | $15.06 | x |
| 2019-12-31 | $11.46 | $15.06 | x |
| 2020-12-31 | $12.16 | $15.06 | x |
| 2021-12-31 | $18.49 | $15.06 | x |
| 2022-12-31 | $16.16 | $15.06 | x |
| 2023-12-31 | $17.21 | $15.06 | x |
| 2024-12-31 | $16.42 | $15.06 | x |
| 2025-12-31 | $14.61 | $15.06 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Generations Bancorp NY Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -14.07%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -28.32%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.48x
- Recent ROE (-14.07%) is below the historical average (-1.59%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 0.29% | 0.37% | 0.05x | 14.43x | $-1.02 Million |
| 2005 | 0.72% | 0.79% | 0.06x | 15.03x | $-938.20K |
| 2006 | 0.43% | 0.83% | 0.06x | 8.16x | $-1.79 Million |
| 2007 | 0.92% | 1.71% | 0.07x | 7.82x | $-1.69 Million |
| 2008 | -2.90% | -5.50% | 0.05x | 10.51x | $-2.17 Million |
| 2018 | -0.78% | -1.40% | 0.05x | 11.62x | $-2.95 Million |
| 2019 | 0.31% | 0.62% | 0.04x | 12.31x | $-2.74 Million |
| 2020 | 5.85% | 11.34% | 0.04x | 12.51x | $-1.24 Million |
| 2021 | 3.25% | 9.89% | 0.04x | 8.72x | $-2.93 Million |
| 2022 | 2.91% | 8.16% | 0.03x | 10.35x | $-2.65 Million |
| 2023 | -4.16% | -9.20% | 0.04x | 11.26x | $-5.34 Million |
| 2024 | -13.49% | -25.45% | 0.05x | 10.94x | $-8.31 Million |
| 2025 | -14.07% | -28.32% | 0.05x | 10.48x | $-8.01 Million |
Industry Comparison
This section compares Generations Bancorp NY Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Generations Bancorp NY Inc (GBNY) | $33.28 Million | 0.29% | 9.48x | $33.76 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About Generations Bancorp NY Inc
Generations Bancorp NY, Inc. operates as a holding company for Generations Bank that engages in the provision of various banking products and services. It accepts various deposit accounts, including demand, NOW, money market, savings, and certificates of deposit accounts. The company provides one- to four-family residential real estate loans, including home equity loans and lines of credit; consu… Read more