ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Generations Bancorp NY, Inc. ?
1
The company has declared Negative results for the last 10 consecutive quarters
- NET PROFIT(9M) At USD -4.09 MM has Grown at -105.37%
- CREDIT DEPOSIT RATIO(HY) Lowest at 93.02%
- NET SALES(Q) Lowest at USD 4 MM
2
Risky - Negative EBITDA
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 16.63%, its profits have fallen by -167.4%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.38%
EBIT Growth (5y)
-220.07%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
26.33%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
1.04
EV to EBIT
-7.16
EV to EBITDA
-7.54
EV to Capital Employed
1.04
EV to Sales
2.25
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-14.53%
ROE (Latest)
-15.22%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING PROFIT(Q)
Highest at USD -0.67 MM
OPERATING PROFIT MARGIN(Q)
Highest at -16.72 %
PRE-TAX PROFIT(Q)
Highest at USD -0.67 MM
NET PROFIT(Q)
Highest at USD -0.68 MM
EPS(Q)
Highest at USD -0.3
-6What is not working for the Company
NET PROFIT(9M)
At USD -4.09 MM has Grown at -105.37%
CREDIT DEPOSIT RATIO(HY)
Lowest at 93.02%
NET SALES(Q)
Lowest at USD 4 MM
Here's what is working for Generations Bancorp NY, Inc.
Operating Profit
Highest at USD -0.67 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at -16.72 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD -0.67 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD -0.67 MM has Grown at 46.67%
over average net sales of the previous four periods of USD -1.25 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD -0.68 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD -0.68 MM has Grown at 48.26%
over average net sales of the previous four periods of USD -1.31 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD -0.3
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Generations Bancorp NY, Inc.
Net Sales
Lowest at USD 4 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Credit Deposit Ratio
Lowest at 93.02%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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