What is Bank of Utica (BKUTK) stock price today?

Bank of Utica (BKUTK) is currently trading at $630.51, up 0% today.

What is BKUTK P/E ratio?

Bank of Utica's P/E ratio is 4.85. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is BKUTK return on equity (ROE)?

Bank of Utica's return on equity (ROE) is 9.43%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Bank of Utica's market cap?

Bank of Utica has a market capitalization of $157.87M.

OTC · Banks - Regional

Bank of Utica (BKUTK) Stock

$630.51 +0.00% OTC: BKUTK Financial Services

Valuation

Metric	Value
Price	$630.51
Market Cap	$157.87M
P/E Ratio	4.85
P/B Ratio	0.44
P/S Ratio	0.41
EPS (TTM)	$130.00
52-Week High	$667.00
52-Week Low	$495.00
Dividend Yield	3.09%

Financials & Margins

Metric	Value
ROE	9.43%
ROA	2.31%
ROCE	2.88%
Gross Margin	64.74%
Operating Margin	52.58%
Net Margin	42.29%
Debt/Equity	0.00
Current Ratio	0.00

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
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 Margin	68.1%	37.5%	47.9%	73.0%	52.6%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
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)

Metric	2021	2022	2023	2024	2025
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

Metric	Value
PEG Ratio	-0.04
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	34.18%
Return 3Y	89.92%
Return 5Y	—

Ownership

Insiders Held0.00%

Institutions Held7.23%

Institutions Float Held7.23%

Institutional Holder	Shares	Report Date
Aristides Capital, LLC	13,464	2026-03-31
Lesa Sroufe & Co.	1,000	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
ARBVAmerican Riviera Bancorp	$27.80	-0.32%	11.30	$159.85M	0.00%
CBBICBB Bancorp, Inc.	$13.30	+0.38%	7.31	$140.82M	3.76%
CMTV	$40.04	-1.48%	12.84	$223.87M	3.22%
ENBPENB Financial Corp	$29.26	+0.90%	7.82	$166.89M	2.46%
MNATMarquette National Corporation	$36.59	+0.58%	12.00	$160.52M	3.61%

About Bank of Utica

Bank of Utica, along with its subsidiary, provides a complete suite of commercial banking products and services to clients located in Utica, New York. The institution offers a diverse range of deposit options, including individual and corporate checking accounts, savings accounts, money market accounts, various retirement plans, health savings accounts, and certificates of deposit. Its lending portfolio is equally extensive, catering to both businesses and individuals. Commercial clients can access business lines of credit, commercial real estate loans, both short-term and extended financing, funding against accounts receivable and inventory, and participation in federal and New York State government loan programs. For personal banking, the bank provides installment loans, vehicle financing, home mortgages, and home equity loans. Furthermore, Bank of Utica offers a wide array of supplementary services. These include real-time account monitoring, efficient fund transfers and management, remote check deposit capabilities, bill payment services, immediate stop payment processing, check reconciliation, domestic wire transfers, and convenient check reordering. The bank also facilitates ACH processing, notably for payroll, and provides comprehensive online and mobile banking platforms that support online bill payment, mobile deposits, and direct deposits. Customers also benefit from debit and ATM cards, round-the-clock telephone banking support, and conventional in-branch services. Additionally, the bank strategically invests in securities. Bank of Utica was founded in 1927 and maintains its primary operations in Utica, New York.

Bank of Utica is headquartered in US.

Bank of Utica (BKUTK) stock trades at $630.51 with a market capitalization of $157.87M. The stock is valued at a price-to-earnings (P/E) ratio of 4.85, price-to-book of 0.44, price-to-sales of 0.41. Over the past 52 weeks the stock has ranged between $495.00 and $667.00, and currently trades 5.5% below its 52-week high. It pays a dividend yielding 3.09%.

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