Bank of Utica BKUTK

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Price alert · BKUTK

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684.00 USD +1.50 +0.22%

At close · Oct 29

684.00 Day range 684.00
496.01 52-week range 699.00
YTD
+32.30%
1 year
+35.45%
Open
684.00
Prev close
682.50
Mkt cap
171.26M
Vol
5
Avg vol
45
EPS
130.00
P/E
5.26
More statistics
Low
684.00
High
684.00

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Financial health

Altman Z-Score

50.69 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

2 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 4.0×
FY 2006: 17.5×FY 2007: 16.6×FY 2008: -9.8×FY 2019: 7.2×FY 2020: 5.9×FY 2021: 3.7×FY 2022: 8.6×FY 2023: 7.2×FY 2024: 6.8×FY 2025: 4.0×
FY 2006 5y median 6.8× FY 2025
P/S 1.7×
FY 2006: 3.4×FY 2007: 3.2×FY 2008: 3.2×FY 2019: 3.1×FY 2020: 2.6×FY 2021: 2.0×FY 2022: 2.8×FY 2023: 2.8×FY 2024: 4.0×FY 2025: 1.7×
FY 2006 5y median 2.8× FY 2025
P/B 0.4×
FY 2006: 1.2×FY 2007: 1.2×FY 2008: 0.6×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.4×
FY 2006 5y median 0.4× FY 2025
P/FCF 7.1×
FY 2006: 0.0×FY 2007: 0.0×FY 2008: 0.0×FY 2019: 9.6×FY 2020: 9.2×FY 2021: 7.3×FY 2022: 3.5×FY 2023: 5.2×FY 2024: 7.2×FY 2025: 7.1×
FY 2006 5y median 7.1× FY 2025
EV/EBITDA 2.0×
FY 2006: 9.7×FY 2007: 6.9×FY 2008: 0.3×FY 2019: 4.9×FY 2020: 3.7×FY 2021: 2.0×FY 2022: 3.7×FY 2023: 3.6×FY 2024: 3.2×FY 2025: 2.0×
FY 2006 5y median 3.2× FY 2025
EV/Sales 1.1×
FY 2006: 2.3×FY 2007: 1.8×FY 2008: -0.2×FY 2019: 2.7×FY 2020: 2.1×FY 2021: 1.4×FY 2022: 1.5×FY 2023: 1.8×FY 2024: 2.4×FY 2025: 1.1×
FY 2006 5y median 1.5× FY 2025
FCF Yield 14.1%
FY 2006: 0.0%FY 2007: 0.0%FY 2008: 0.0%FY 2019: 10.5%FY 2020: 10.8%FY 2021: 13.7%FY 2022: 28.9%FY 2023: 19.3%FY 2024: 13.9%FY 2025: 14.1%
FY 2006 5y median 14.1% FY 2025

Profitability

Gross Margin 64.7%
FY 2006: 35.9%FY 2007: 37.6%FY 2008: -30.4%FY 2019: 70.0%FY 2020: 72.9%FY 2021: 81.3%FY 2022: 64.9%FY 2023: 66.6%FY 2024: 100.0%FY 2025: 64.7%
FY 2006 5y median 66.6% FY 2025
Operating Margin 52.6%
FY 2006: 23.7%FY 2007: 25.8%FY 2008: -62.2%FY 2019: 52.3%FY 2020: 54.8%FY 2021: 68.1%FY 2022: 37.5%FY 2023: 47.9%FY 2024: 73.0%FY 2025: 52.6%
FY 2006 5y median 52.6% FY 2025
Net Margin 42.3%
FY 2006: 19.2%FY 2007: 19.4%FY 2008: -32.3%FY 2019: 42.6%FY 2020: 44.5%FY 2021: 54.7%FY 2022: 32.3%FY 2023: 38.5%FY 2024: 58.7%FY 2025: 42.3%
FY 2006 5y median 42.3% FY 2025
ROE 9.1%
FY 2006: 6.8%FY 2007: 7.0%FY 2008: -6.3%FY 2019: 8.8%FY 2020: 9.2%FY 2021: 13.0%FY 2022: 3.8%FY 2023: 6.0%FY 2024: 6.0%FY 2025: 9.1%
FY 2006 5y median 6.0% FY 2025
ROIC 2.3%
FY 2006: 6.6%FY 2007: 6.8%FY 2008: -6.3%FY 2019: 8.3%FY 2020: 8.6%FY 2021: 12.0%FY 2022: 3.6%FY 2023: 5.5%FY 2024: 5.6%FY 2025: 2.3%
FY 2006 5y median 5.5% FY 2025
ROA 2.3%
FY 2006: 0.9%FY 2007: 0.9%FY 2008: -0.7%FY 2019: 1.9%FY 2020: 1.8%FY 2021: 2.5%FY 2022: 0.8%FY 2023: 1.5%FY 2024: 1.4%FY 2025: 2.3%
FY 2006 5y median 1.5% FY 2025

Growth (YoY)

Revenue 125.9%
FY 2006: -1.3%FY 2007: 5.6%FY 2008: -51.7%FY 2019: 0.0%FY 2020: 9.0%FY 2021: 29.5%FY 2022: -48.8%FY 2023: 35.9%FY 2024: -30.4%FY 2025: 125.9%
FY 2006 FY 2025
Operating Income 62.7%
FY 2006: -15.1%FY 2007: 14.7%FY 2008: -216.6%FY 2019: 0.0%FY 2020: 14.2%FY 2021: 60.8%FY 2022: -71.9%FY 2023: 73.9%FY 2024: 6.0%FY 2025: 62.7%
FY 2006 FY 2025
EPS (diluted) 62.6%
FY 2006: -11.9%FY 2007: 6.6%FY 2008: -180.3%FY 2019: 0.0%FY 2020: 13.7%FY 2021: 59.2%FY 2022: -69.8%FY 2023: 62.3%FY 2024: 6.1%FY 2025: 62.6%
FY 2006 FY 2025
Free Cash Flow -1.7%
FY 2006: 0.0%FY 2007: 0.0%FY 2008: 0.0%FY 2019: 0.0%FY 2020: -2.4%FY 2021: 26.6%FY 2022: 47.0%FY 2023: -10.0%FY 2024: -28.1%FY 2025: -1.7%
FY 2006 FY 2025

Financial Health

Current Ratio 0.0×
FY 2006: 0.1×FY 2007: 0.1×FY 2008: 0.1×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2006 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2006: 0.1×FY 2007: 0.1×FY 2008: 0.1×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2006 5y median 0.1× FY 2025
Debt / Equity 0.0×
FY 2006: 0.0×FY 2007: 0.0×FY 2008: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2006 5y median 0.0× FY 2025
Net Debt / EBITDA -1.1×
FY 2006: -4.6×FY 2007: -5.6×FY 2008: 5.4×FY 2019: -0.6×FY 2020: -0.9×FY 2021: -0.9×FY 2022: -3.0×FY 2023: -1.9×FY 2024: -2.1×FY 2025: -1.1×
FY 2006 5y median -1.9× FY 2025
Interest Coverage 1.5×
FY 2006: 0.4×FY 2007: 0.4×FY 2008: -0.5×FY 2019: 1.7×FY 2020: 2.0×FY 2021: 3.6×FY 2022: 1.1×FY 2023: 1.4×FY 2024: 1.0×FY 2025: 1.5×
FY 2006 5y median 1.4× FY 2025

Dividends

Dividend Yield 3.7%
FY 2006: 1.4%FY 2007: 1.5%FY 2008: 3.3%FY 2019: 2.5%FY 2020: 2.8%FY 2021: 3.0%FY 2022: 4.4%FY 2023: 3.3%FY 2024: 3.5%FY 2025: 3.7%
FY 2006 5y median 3.5% FY 2025
Payout Ratio 14.8%
FY 2006: 24.8%FY 2007: 24.6%FY 2008: -32.2%FY 2019: 17.6%FY 2020: 16.5%FY 2021: 11.0%FY 2022: 38.2%FY 2023: 23.9%FY 2024: 23.4%FY 2025: 14.8%
FY 2006 5y median 23.4% FY 2025

Annual · latest fiscal year ends 2025-12-31