Generations Bancorp NY Inc (GBNY) — Working Capital to Net Assets Ratio
Generations Bancorp NY Inc (GBNY) has a Working Capital to Net Assets ratio of -825.0% as of March 2025. Working capital of $-284.11 Million (current assets of $42.20 Million minus current liabilities of $326.31 Million) is measured against net assets of $34.44 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See how many days can Generations Bancorp NY Inc fund operations to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Generations Bancorp NY Inc Working Capital to Net Assets (2004–2025)
This chart shows how Generations Bancorp NY Inc's Working Capital to Net Assets ratio has evolved across 12 annual periods from 2004 to 2025. As of March 2025, the ratio stands at -825.0%, reflecting working capital of $-284.11 Million against net assets of $34.44 Million USD. For the complete balance sheet picture, see Generations Bancorp NY Inc assets under control.
Annual Working Capital to Net Assets for Generations Bancorp NY Inc (2004–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Generations Bancorp NY Inc from 2004 to 2025, covering 12 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check GBNY asset resilience ratio to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -875.4% | $-291.35 Million | $33.28 Million | $4.03 Million | $295.38 Million | ▼ -243.4 pp |
| 2024 | -632.0% | $-223.72 Million | $35.40 Million | $14.66 Million | $238.38 Million | ▼ -112.9 pp |
| 2023 | -519.1% | $-195.71 Million | $37.70 Million | $66.44 Million | $262.15 Million | ▲ +261.8 pp |
| 2022 | -781.0% | $-291.52 Million | $37.33 Million | $42.36 Million | $333.88 Million | ▼ -199.5 pp |
| 2021 | -581.5% | $-252.83 Million | $43.48 Million | $59.22 Million | $312.05 Million | ▲ +300.6 pp |
| 2020 | -882.1% | $-263.61 Million | $29.89 Million | $45.94 Million | $309.55 Million | ▼ -38.8 pp |
| 2019 | -843.2% | $-238.05 Million | $28.23 Million | $45.29 Million | $283.34 Million | ▼ -656.9 pp |
| 2018 | -186.3% | $-51.00 Million | $27.37 Million | $10.23 Million | $61.23 Million | ▼ -1030.1 pp |
| 2008 | 843.8% | $142.12 Million | $16.84 Million | $152.82 Million | $10.70 Million | ▲ +304.3 pp |
| 2006 | 539.5% | $101.02 Million | $18.72 Million | $101.59 Million | $575.00K | ▼ -255.5 pp |
| 2005 | 795.0% | $80.39 Million | $10.11 Million | $89.14 Million | $8.75 Million | ▲ +123.3 pp |
| 2004 | 671.7% | $70.56 Million | $10.50 Million | $78.31 Million | $7.75 Million | — |