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Bank of Utica (BKUTK)

USD630.51 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 222 Genesee Street 13502
Utica, NY, US
CEO Tom E. Sinnott
IPO 2001-08-20
ISIN US0654372046

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Also trades on Other OTC · BKUT (USD) Other OTC · BKUTK (USD)
Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD630.51 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
42
Beta
0.22
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -1.41% +2.23% +1.77% +19.94% +22.05% +26.96% +63.90% +32.56% +57.75% +232.11%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
630.51
DCF (Unlevered) 7,684.79 +1,118.8%
DCF (Levered) 8,236.03 +1,206.2%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
50.69
Safe zone
Piotroski F-Score
2 / 9
Weak
Operational MOAT
  • Revenue growth
    +125.9% Q4'08: -19.3% (vs Q4'07)
  • EPS growth
    +62.6% Q4'08: -81.7% (vs Q4'07)
  • FCF margin
    Q4'08: +224.8% (vs Q4'07)
  • EBIT margin
    Q4'08: +11.8% (vs Q4'07)
  • ROIC
    Q4'08: +7.2% (vs Q4'07)
  • Share dilution
    +0.0% Q4'08: +0.0% (vs Q4'07)
  • Debt / EBITDA
    Q4'08: 0.00× (vs Q4'07)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.22) × ERP
WACC = 100% × Ke + 0% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 7,613.21 Current price: 630.51
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
18.28M
OE per share TTM
73.13
Owner's Yield
11.59%
Maintenance CapEx ratio
0.55%
Maint CapEx / Avg PPE
1.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.09M
Shares Outstanding
250.4K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Brian R. Loughlin Executive Vice President of Business Banking male
David Lashure Vice President & EDP Manager male
Marie L. Bord Senior Vice President & Chief Operating Officer female
Tom E. Sinnott President & Chief Executive Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings reports

Stock splits