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

As of Sep 18, 2026: fair value of Bank of Utica $1,136, price $685, upside +65.9%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US · ISIN US0654371055

BO Bank of Utica logo Broad data Sep 23, 2026

Bank of Utica

BKUT · US

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value $1,136 · Strongly undervalued (+66%)
!Quality 60/100
!Mixed Growth (revenue YoY +125.9 %/yr)
✓Highly profitable · 42.3% net margin (FY2025)
✓generates free cash flow
✓Ranks above peers (8/12)
!Moderate moat 60/100
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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

$784.03 $331.62 Fair Value $1,136 Aug 2015 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $331.62 – $784.03 · fair‑value band $1,092 – $1,389 · the $685.00 price screens below the $1,136 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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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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.

Stock analysis

Bank of Utica (BKUT) currently trades at $685.00, while our model-based Fair Value estimate is $1,136, implying the stock looks roughly 39.7% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $1,693 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 $202.03, and 2 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: $1,092 (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 60/100 (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 · P/E ratio 5.4 · P/S ratio 2.28 · EPS (TTM) $129.99 · Dividend yield 2.8% · Net margin 42.3% · Return on assets (EBIT) 2.1% · Free cash flow $18.4M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 5% below its 52-week high and 39% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 66%, BKUT screens cheaper than that median.

Fair Value models

Bear $1,092 Fair Value $1,136 Bull $1,389
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($95.44 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income $1,100 $1,148 $1,203 76
Gordon GGM $134.09 $224.58 $291.50 68
DDM Multi-Stage $134.09 $202.03 $241.61 67
All 6 models by family
Dividend Discount
Gordon GGM $134.09 $224.58 $291.50 68
DDM Multi-Stage $134.09 $202.03 $241.61 67
Multiples
P/E Multiple $1,270 $1,693 $2,116 63
P/B Multiple $1,508 $2,011 $2,514 55
Asset-Based
NCAV (Graham) $718.26 $962.47 $1,437 51
Economic Profit
Residual Income $1,100 $1,148 $1,203 76

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Quality Score breakdown

Overall quality 60/100

Of which business quality 57 · Market factors (momentum, volatility) 49

Profitability 36
Margins and returns on capital today
Quality Growth 45
Are margins and returns improving?
Cashflow 71
Earnings quality: real cash, not paper profit
Fin. Strength 38
Balance sheet, leverage, solvency risk
Investment 90
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 64
Price trend over the last 3–12 months (market factor)
52W Momentum 80
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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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%
Yearly growth needed for the next five years to justify today's price.
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 · 1076 stocks

Beats the industry median on 8/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 61 · Top 25%
Fair Value upside +66% · Top 25%
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) 42% · Top 25%
Operating margin (TTM) 0% · Bottom 25%
Growth and dividend
Revenue growth 0% · Bottom 25%
Dividend yield (TTM) 2.8% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 5.4× · Cheapest 25%
P/B 0.48× · Cheapest 25%
P/FCF 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 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)0 · sector 41
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)55 · 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
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Bank of Utica · Fair Value
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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 Sep 23, 2026, our model estimates a fair value of $1,136 versus the last price from Sep 18, 2026 of $685.00, about +66% upside (undervalued).
What is the fair value of BKUT?
Our model-based fair value for Bank of Utica is $1,136 (as of Sep 23, 2026), built from audited fundamentals. Last price (from Sep 18, 2026): $685.00.
What is the quality score of BKUT?
Bank of Utica has a Quality Score of 60/100. 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 $1,136 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $1,092, 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 $1,136, about +66% upside versus the last price from Sep 18, 2026 of $685.00 (undervalued). Cautious scenario $1,092, 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 about 2.75% relative to its recent price (as of Sep 23, 2026).
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 Sep 23, 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 a year over ten years, 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 -4.7 % per year free-cash-flow growth a 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 +8.3 % a year. That is the yardstick for the growth priced into Bank of Utica (-4.7 % per year a 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 $1,136 per share (as of Sep 23, 2026), against a price of $685.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bank of Utica stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BKUT trades below its calculated fair value: price $685.00, fair value $1,136, a gap of about +66% (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 ($1,136). For Bank of Utica the two are $451.27 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 Sep 23, 2026). Per share that is $685.00; our models calculate a fair value of $1,136 per share.
What do the bullish and bearish scenarios say about BKUT?
Our models span a range for Bank of Utica: cautious scenario $1,092, base $1,136, optimistic $1,389 per share (as of Sep 23, 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 5.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1,136 is built from several models across several years. 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 39% above the low of $492.20 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $1,136 is for.
Which stocks are comparable to Bank of Utica?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 23, 2026: price $685.00, calculated fair value $1,136 (+66%), Quality Score 60/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $1,136, 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 13.0 % above its aggregate fair value. Bank of Utica currently trades 66 % 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 Sep 18, 2026 and stands at $685.00. Our model-based fair value is $1,136, about +66% 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 ($1,092). The market is more pessimistic than our downside scenario. Solid quality (60/100) 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 2.28 (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 $129.99 (price ÷ EPS = P/E 5.4). 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 14.5%). 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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