Event-Driven Stocks

Generations Bancorp NY, Inc.

GBNYOTC

Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕

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Signs● 2 good● 3 warningdetails ↓

Financials

SEC XBRL · annual
 FY23FY22FY21FY20FY19
Revenue$1.9M$2.0M$2.3M$2.3M$2.7M
Operating income—————
Net income−$1.6M$1.1M$1.4M$1.7M$87,000
Total assets$424.5M$386.3M$378.9M$373.8M$347.5M
Total liabilities$386.8M$349.0M$335.5M$343.9M$319.3M
Equity$37.7M$37.3M$43.5M$29.9M$28.2M
EPS (diluted)$-0.72$0.47$0.60$0.71$0.04
Shares out.2.3M2.5M2.6M2.5M2.5M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2023
Operating margin
—
Net margin
−83.4%
Return on equity
−4.2%
Return on assets
−0.4%
Return on capital (ROCE)
—
Liabilities / assets
91.1%
Debt / equity
10.26×
Book value / share
$16.10
Revenue growth (YoY)
−7.3%
Net income growth (YoY)
−244.2%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2023
Accruals / assets
−0.8%clean
Piotroski F-Score
3/7weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
37
/ 100
Profitability 0Growth 0Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 3 warning● 2 good
  • Reported a net loss
  • Revenue declined year-over-year
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20261,1381.00.0%
Apr 30, 20261,1385.60.0%
Apr 15, 20261,1381.80.0%
Mar 31, 20261,13817.20.0%
Mar 13, 20261,1381.90.0%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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