OTC · Banks - Regional

Bank of Utica (BKUT) Stock

$700.00 +6.38% OTC: BKUT Financial Services

Bank of Utica, together with its subsidiary, provides commercial banking products and services in Utica, New York. The company offers various deposit accounts, including personal checking, business checking, savings, money market, retirement, and health savings accounts; and certificates of deposit.

Valuation

MetricValue
Price$700.00
Market Cap$35.00M
P/E Ratio5.38
P/B Ratio0.49
P/S Ratio0.45
EPS (TTM)$130.11
52-Week High$700.00
52-Week Low$500.00
Dividend Yield2.79%

Financials & Margins

MetricValue
ROE9.43%
ROA2.31%
ROCE2.88%
Gross Margin64.74%
Operating Margin52.58%
Net Margin42.29%
Debt/Equity0.00
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$70.0M$36.0M$49.0M$34.0M$77.0M
Operating Profit$48.0M$13.0M$23.0M$25.0M$40.0M
Net Profit$39.0M$12.0M$19.0M$20.0M$33.0M
EPS$154.02$46.49$75.46$80.08$130.21
Op Margin68.1%37.5%47.9%73.0%52.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.5B$1.4B$1.3B$1.4B$1.4B
Total Liabilities$1.2B$1.1B$979.0M$1.1B$1.0B
Cash$43.0M$45.0M$48.0M$54.0M$47.0M
Borrowings$0$0$0$0$0

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$20.0M$29.0M$26.0M$19.0M$19.0M
Investing Cash Flow$-140.0M$87.0M$122.0M$-83.0M$-4.0M
Financing Cash Flow$140.0M$-110.0M$-141.0M$75.0M$-17.0M
Net Cash Flow$16.0M$2.0M$3.0M$6.0M$-7.0M
Free Cash Flow$20.0M$29.0M$26.0M$19.0M$18.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-0.04
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y34.39%
Return 3Y64.53%
Return 5Y

Ownership

Insiders Held0.00%
Institutions Held7.05%
Institutions Float Held7.05%
Institutional HolderSharesReport Date
Aristides Capital, LLC3,5242026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMFCAMB Financial Corp. $34.55 +0.14% 8.47 $30.75M 0.81%
CNBZCNB Corporation $28.49 +0.00% 8.74 $34.49M 3.51%
EFSGEnterprise Financial Services Group, Inc. $32.00 +0.00% 9.52 $37.25M 1.78%
ELMAElmer Bancorp, Inc. $27.00 +2.86% 10.98 $31.09M 1.48%
FSBHFSBH Corp. $16.66 +0.36% 21.64 $50.13M 0.00%

About Bank of Utica

Bank of Utica, together with its subsidiary, provides commercial banking products and services in Utica, New York. The company offers various deposit accounts, including personal checking, business checking, savings, money market, retirement, and health savings accounts; and certificates of deposit. It also provides loans, such as business lines of credit, commercial mortgages, long-term loans, short-term loans, accounts receivable and inventory financing, and federal and NYS government loan programs; and personal loans comprising personal installment loans, vehicle loans, home mortgages, and home equity loans. In addition, the company offers various services that include real-time account balance, funds transfer and management, remote deposit, bill payment, real-time stop payment, check reconciliation, domestic wire transfer, and re-order checks, as well as ACH processing, including payroll; online and mobile banking services; and online bill payment, mobile and direct deposits, and other services. Further, it provides debit and ATM cards, 24/7 telephone banking, and traditional banking services; and invests in securities. Bank of Utica was founded in 1927 and is based in Utica, New York.

Bank of Utica is headquartered in US.

Bank of Utica (BKUT) stock trades at $700.00 with a market capitalization of $35.00M. The stock is valued at a price-to-earnings (P/E) ratio of 5.38, price-to-book of 0.49, price-to-sales of 0.45. Over the past 52 weeks the stock has ranged between $500.00 and $700.00, and currently trades at its 52-week high. It pays a dividend yielding 2.79%.

On profitability, Bank of Utica generates a return on equity (ROE) of 9.43%, return on capital employed of 2.88%, an operating margin of 52.58%, a net profit margin of 42.29%.

Official website: www.bankofutica.com

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