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Data-driven stock valuation

Bank of Utica (BKUT) fair value: what the stock is really worth

As of Oct 30, 2026: fair value (intrinsic value) of Bank of Utica stock $1,153, price $685, upside +68.3%, quality 62 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

BO Bank of Utica logo Broad data Nov 8, 2026

Bank of Utica

BKUT · US
Meets all rules

The stock costs 41% less than our calculation considers fair.

Fair value $1,153 · Strongly undervalued
Quality 62/100
Highly profitable · 42.3% net margin (FY2025)
Generates free cash flow
Ranks above peers (9/12)
Broad data
Costs just 5.3 times its yearly profit.
Mixed Growth (revenue YoY +125.9 %/yr in USD)
Moderate moat 64/100 · thin data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$771.29 $326.23 Fair Value $1,153 Aug 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $326.23 – $771.29 · fair‑value band $896.58 – $1,389 · the $685.00 price screens below the $1,153 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

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.

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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.

Stock analysis

Bank of Utica (BKUT) currently trades at $685.00, while our model-based Fair Value estimate is $1,153, implying the stock looks roughly 41% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $1,195 per share, and 4 of the 6 models we run sit above the $685.00 price.

Bear case: the Dividend Discount group reads lowest at $208.48, and 2 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $896.58 (bear) to $1,389 (bull), the price of $685.00 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bank of Utica reported revenue of $77.0M in FY2025 versus $70.4M in FY2021, a compound +2.3%/yr. Reported net income was $32.6M in FY2025, compounding −4.1%/yr from FY2021.

Key figures

Market cap $171M Micro · P/E ratio 5.3 · P/S ratio 2.23 · EPS (TTM) $130.00 · Dividend yield 2.8% · Net margin 42.3% · Return on assets (EBIT) 2.1% (5-year average) · Free cash flow $18.4M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).

What moves the price

The share trades about 5% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 68%, BKUT screens cheaper than that median.

Fair Value models

Bear $896.58 Fair Value $1,153 Bull $1,389
Price $685.00 · Upside +68.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($111.48 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $1,110 $1,153 $1,268 76
Gordon GGM $131.99 $218.99 $282.23 68
DDM Multi-Stage $131.99 $197.96 $235.78 67
All 6 models by family
Dividend Discount
Gordon GGM $131.99 $218.99 $282.23 68
DDM Multi-Stage $131.99 $197.96 $235.78 67
Multiples
P/E Multiple $1,270 $1,693 $2,116 63
P/B Multiple $523.61 $698.15 $872.69 55
Asset-Based
NCAV (Graham) $694.72 $930.93 $1,389 51
Economic Profit
Residual Income $1,110 $1,153 $1,268 76

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Quality Score breakdown

Overall quality 62/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 45
Are margins and returns getting better?
Cashflow 71
Do the profits arrive as real cash?
Financial strength 38
Debt, balance sheet and risk of trouble
Investment 90
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 56
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 83
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+8.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.1%
Dividend (yield on the price)2.8%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.55% → 53%
2025 sits 73% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−4.7%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −6.9% a year for the price.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 9/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 62 · Top 25%
Fair Value upside +68.3% · Top 25%
Profitability
Return on assets 2.3% · Top 25%
Net margin (12 months) 42.3% · Top 25%
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Dividend yield (12 months) 2.8% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 5.3× · Cheapest 25%
P/B 0.48× · Cheapest 25%
Price / free cash flow (fiscal year) 9.3× · Cheaper than median
EV/EBITDA 3.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)56 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BKUT
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BKUT
BNP Paribas SA BNP €91.93 €106.01 +15% vs BKUT
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BKUT
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BKUT
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BKUT
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BKUT
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BKUT
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BKUT
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BKUT

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Bank of Utica: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank of Utica Fair Value". https://www.fairvalue-calculator.com/stock/BKUT

Frequently asked questions

Is Bank of Utica (BKUT) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $1,153 versus the last price from Oct 30, 2026 of $685.00, about +68% upside (undervalued).
What is the fair value of BKUT?
Our model-based fair value for Bank of Utica is $1,153 (as of Nov 8, 2026), built from audited fundamentals. Last price (from Oct 30, 2026): $685.00.
What is the quality score of BKUT?
Bank of Utica has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank of Utica (BKUT)?
Our model-based price target is the fair value of $1,153 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $896.58, optimistic scenario $1,389. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of Utica stock forecast for 2026?
Our models put fair value at $1,153, about +68% upside versus the last price from Oct 30, 2026 of $685.00 (undervalued). Cautious scenario $896.58, optimistic scenario $1,389. The calculation is refreshed regularly with new filings.
Does Bank of Utica pay a dividend?
Bank of Utica currently shows a dividend yield of 2.81% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Bank of Utica (BKUT)?
Bank of Utica has a dividend yield of 2.8%.
What growth is priced into Bank of Utica (BKUT)?
For today's price to be fair in a discounted-cash-flow model, Bank of Utica would have to grow free cash flow by -4.7 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.2 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of BKUT use?
Our models discount Bank of Utica at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bank of Utica that is -4.7 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has Bank of Utica (BKUT) delivered so far?
Over the past 5 years revenue at Bank of Utica grew +7.2 % a year. The price currently implies free-cash-flow growth of -4.7 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bank of Utica (BKUT) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Bank of Utica (-4.7 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bank of Utica (BKUT)?
The free-cash-flow yield on the price is 10.76 %: that much free cash flow Bank of Utica produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bank of Utica (BKUT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of Utica it is $1,153 per share (as of Nov 8, 2026), against a price of $685.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank of Utica stock overvalued or undervalued in 2026?
As of Nov 8, 2026, BKUT trades below its calculated fair value: price $685.00, fair value $1,153, a gap of about +68% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BKUT?
No. The price is what the market pays today ($685.00); the fair value is what the company's own numbers justify ($1,153). For Bank of Utica the two are $468.05 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of Utica worth?
The market values Bank of Utica at about $171M (market capitalisation, as of Nov 8, 2026). Per share that is $685.00; our models calculate a fair value of $1,153 per share.
What do the bullish and bearish scenarios say about BKUT?
Our models span a range for Bank of Utica: cautious scenario $896.58, base $1,153, optimistic $1,389 per share (as of Nov 8, 2026, price $685.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BKUT?
Bank of Utica trades at a price-to-earnings ratio of 5.3 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1,153 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2006 to 2025), reported earnings: 7.0. Other multiples: P/B 0.5, EV/EBITDA 3.0.
How far is BKUT from its 52-week high?
Bank of Utica trades at $685.00, about 5% below its 52-week high of $722.77 and 36% above the low of $504.54 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $1,153 is for.
Which stocks are comparable to Bank of Utica?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank of Utica stock attractive at the current price?
The data as of Nov 8, 2026: price $685.00, calculated fair value $1,153 (+68%), Quality Score 62/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BKUT calculated?
We run Bank of Utica through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $1,153 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Bank of Utica currently trades 41% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank of Utica (BKUT)?
The latest price we hold is from Oct 30, 2026 and stands at $685.00. Our model-based fair value is $1,153, about +68% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of Utica right now?
The price is below even our cautious bear case ($896.58). The market is more pessimistic than our downside scenario. Solid quality (62/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Bank of Utica

How large is the market capitalisation of Bank of Utica (BKUT)?
The market capitalisation of Bank of Utica is $171M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank of Utica (BKUT)?
The price-to-sales ratio of Bank of Utica is 2.23 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of Utica (BKUT)?
Earnings per share at Bank of Utica are $130.00 (price ÷ EPS = P/E 5.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank of Utica (BKUT)?
The dividend yield of Bank of Utica is 2.8% (payout 14.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank of Utica (BKUT)?
The net margin of Bank of Utica is 42.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Bank of Utica (BKUT)?
On an EBIT basis the return on assets of Bank of Utica is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much net cash does Bank of Utica (BKUT) hold?
Bank of Utica holds more cash than debt, $46.9M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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