Bank of Utica (BKUTK)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Bank of Utica (BKUTK) trades at $629.00 with AI Score 52/100 (Grade B). Bank of Utica is a regional bank operating in Utica, New York, providing a comprehensive suite of commercial and personal banking products and services. Market cap: $157.49M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for BKUTK: BKUTK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BKUTK against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BKUTK: 4/6 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Bank of Utica (BKUTK) Financial Services Profile
Bank of Utica, established in 1927, operates as a regional financial institution in Utica, New York, delivering a broad spectrum of commercial and personal banking services. It offers diverse deposit and loan products, alongside modern digital banking solutions, maintaining a focused local market presence with a reported profit margin of 42.3%.
What Is the Investment Thesis for BKUTK?
Bank of Utica (BKUTK) presents as a regional banking entity with a focused operational footprint in Utica, New York, demonstrating robust profitability metrics. The company boasts a P/E ratio of 5.38 and an impressive profit margin of 42.3%, significantly higher than its gross margin of 64.7%, indicating efficient cost management relative to its revenue. Its market capitalization stands at $0.16 billion, supported by a stable dividend yield of 2.75%, suggesting a commitment to shareholder returns. The low Beta of 0.23 indicates minimal volatility compared to the broader market, potentially appealing to risk-averse investors. Key value drivers include its entrenched local market presence since 1927, fostering strong customer loyalty and a deep understanding of regional economic dynamics. Growth catalysts are likely to stem from continued expansion of its digital banking services, attracting a younger demographic while retaining traditional clients, and strategic growth in its loan portfolio, particularly within commercial mortgages and government-backed programs in the Utica area. The bank's comprehensive product suite, from diverse deposit accounts to various loan types and modern payment solutions, positions it to capture a wide array of financial needs within its community. Potential risks include sensitivity to interest rate fluctuations and localized economic downturns.
Based on FMP financials and quantitative analysis
BKUTK Key Highlights
- Market capitalization stands at $0.16 billion, reflecting its valuation as a regional banking institution.
- The company exhibits a P/E ratio of 5.38, indicating a potentially undervalued position relative to its earnings.
- A strong profit margin of 42.3% demonstrates efficient operational management and profitability.
- Bank of Utica maintains a dividend yield of 2.75%, providing consistent returns to shareholders.
- With a Beta of 0.23, the stock shows significantly lower volatility compared to the overall market, suggesting stability.
Who Are BKUTK's Competitors?
BKUTK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.16 | -1.22% | $3.56B | 71 |
| STLE Steele Bancorp Inc. | $43.34 | +0.00% | $80.55M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.54 | -0.72% | $8.38B | 67 |
| BUSE First Busey Corporation | $29.65 | -1.72% | $2.51B | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
| BNPQF BNP Paribas S.A. | $119.16 | -0.70% | $131.09B | 63 |
| BGKKF Bangkok Bank Public Company Limited | $4.99 | +0.00% | $9.53B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BKUTK's Key Strengths?
- Strong profitability with a 42.3% profit margin.
- Long-standing presence in Utica, New York, since 1927, fostering deep community ties.
- Comprehensive range of commercial and personal banking products and services.
- Low Beta of 0.23 indicates market stability and lower volatility.
- Consistent dividend yield of 2.75%.
What Are BKUTK's Weaknesses?
- Limited geographic reach, concentrated solely in Utica, New York.
- Small employee base of 37, potentially limiting scalability and specialized expertise.
- Market capitalization of $157.49M suggests a relatively small scale compared to larger regional banks.
- Disclosure status on OTC market is 'Unknown', potentially impacting investor confidence.
- Reliance on a single regional economy for growth and stability.
What Could Drive BKUTK Stock Higher?
- Potential expansion of digital banking features could attract new customers and enhance service efficiency over the next 1-2 years.
- Continued growth in the Utica, New York regional economy could drive increased demand for commercial and personal loans.
- Strategic optimization of the bank's investment in securities portfolio could yield improved non-interest income.
- Any initiatives to improve public disclosure on the OTC market could enhance investor confidence and liquidity.
- Sustained high profit margin of 42.3% could attract investor attention for its operational efficiency.
What Are the Key Risks for BKUTK?
- Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Economic downturns specifically impacting the Utica, New York region could reduce loan demand and increase loan defaults.
- Regulatory changes in the banking sector could impose new compliance costs or operational restrictions.
- Intense competition from larger banks and credit unions could pressure interest margins and customer acquisition.
- The 'Unknown' disclosure status on the OTC market poses transparency risks for investors.
- Fluctuations in interest rates could negatively impact the bank's net interest income and the value of its securities portfolio.
What Are the Growth Opportunities for BKUTK?
- **Expansion of Digital Banking Services:** The ongoing trend towards digital financial services presents a significant growth opportunity for Bank of Utica. By enhancing its online and mobile banking platforms, including features like advanced budgeting tools, personalized financial insights, and streamlined application processes for loans and accounts, the bank can attract a younger, tech-savvy demographic while improving convenience for existing customers. This expansion could lead to increased customer engagement, reduced operational costs through automation, and a broader reach within its local market without requiring physical branch expansion. The market for digital banking continues to grow as consumers increasingly prefer remote access to financial services, offering a clear path for customer acquisition and retention over the next 3-5 years.
- **Strategic Growth in Commercial Lending:** Bank of Utica's focus on commercial loans, including business lines of credit, commercial mortgages, and government loan programs, positions it to capitalize on local economic development. By actively engaging with small and medium-sized businesses in Utica and surrounding areas, the bank can expand its loan portfolio. This involves proactive outreach, offering tailored financial solutions, and leveraging its understanding of the local business environment. As local businesses grow and require capital for expansion, equipment, or working capital, Bank of Utica can become a preferred partner, driving interest income growth. This opportunity is ongoing, tied directly to the economic health and entrepreneurial activity within its service area.
- **Optimization of Deposit Base:** Attracting and retaining a stable and cost-effective deposit base is crucial for a regional bank. Bank of Utica has an opportunity to optimize its deposit offerings by introducing competitive savings products, tiered interest rates, and specialized accounts for specific demographics (e.g., students, seniors). By enhancing its appeal as a primary banking institution for both personal and business customers, the bank can increase its core deposits, which serve as a low-cost funding source for its lending activities. A robust deposit base provides financial stability and flexibility, reducing reliance on more volatile funding sources, and is an ongoing strategic focus for sustained profitability.
- **Community Engagement and Brand Reinforcement:** As a bank founded in 1927, Bank of Utica possesses deep roots within its community. There is an ongoing opportunity to reinforce its brand as a trusted local partner through increased community engagement, sponsorships, and financial literacy programs. By actively participating in local events and initiatives, the bank can strengthen its reputation, foster loyalty, and attract new customers who value community-oriented institutions. This strategy leverages its historical presence and local identity, differentiating it from larger, more impersonal financial corporations. Strong community ties translate into sustained customer relationships and organic growth over the long term.
- **Investment in Securities Portfolio Management:** Bank of Utica's practice of investing in securities offers an opportunity for strategic portfolio management to enhance non-interest income and overall profitability. By actively managing its securities portfolio, the bank can optimize returns based on market conditions, interest rate forecasts, and risk appetite. This involves diversifying investments, adjusting durations, and exploring various asset classes within regulatory guidelines. A well-managed securities portfolio can provide a stable source of income, complement its lending activities, and contribute to overall financial strength. This is an ongoing opportunity that requires continuous monitoring and adjustment by the bank's financial management team.
What Opportunities Does BKUTK Have?
- Expand digital banking services to capture a broader, tech-savvy customer base.
- Increase market share in commercial lending by supporting local business growth and government programs.
- Optimize deposit acquisition strategies to secure lower-cost funding for lending activities.
- Leverage community engagement to strengthen brand loyalty and attract new customers.
- Strategic management of its securities portfolio to enhance non-interest income.
What Threats Does BKUTK Face?
- Intense competition from larger national banks and other regional financial institutions.
- Economic downturns or localized recessions in the Utica, New York area.
- Fluctuations in interest rates impacting net interest margin and loan demand.
- Evolving regulatory landscape and compliance costs for financial institutions.
- Cybersecurity threats and data breaches impacting customer trust and operational integrity.
What Are BKUTK's Competitive Advantages?
- **Deep Local Market Entrenchment:** Nearly a century of operation in Utica, New York, has fostered strong community ties and customer loyalty, making it a trusted local institution.
- **Comprehensive Local Service Offering:** Provides a full suite of personal and commercial banking products tailored to the specific needs of its regional customer base, from basic accounts to complex government loan programs.
- **Personalized Customer Relationships:** As a regional bank with 37 employees, it can offer more personalized service and relationship banking compared to larger national competitors.
- **Understanding of Local Economy:** Extensive experience and focus on the Utica market provide unique insights into local business needs and economic trends, enabling more effective lending and service delivery.
- **Established Brand Reputation:** A long operating history since 1927 contributes to a stable and recognized brand within its primary service area.
What Does BKUTK Do?
Bank of Utica, founded in 1927, has a long-standing history as a community-focused financial institution based in Utica, New York. Over nearly a century, the bank has evolved to provide a comprehensive range of commercial and personal banking products and services, primarily serving the local community and its surrounding areas. Its offerings are designed to meet the diverse financial needs of both individual customers and businesses. For individuals, the bank provides essential personal checking, savings, money market, retirement, and health savings accounts, alongside various certificates of deposit. Lending solutions for personal clients include installment loans, vehicle loans, home mortgages, and home equity loans, facilitating significant life purchases and financial flexibility. On the commercial front, Bank of Utica supports local businesses with a robust suite of services. These include business lines of credit, commercial mortgages, long-term and short-term loans, and specialized financing options such such as accounts receivable and inventory financing. The bank also assists businesses in navigating federal and New York State government loan programs, underscoring its commitment to local economic development. Beyond traditional banking, Bank of Utica has embraced digital transformation, offering online and mobile banking services that include real-time account balances, funds transfers, remote deposits, and bill payments. Additional services like real-time stop payments, check reconciliation, domestic wire transfers, ACH processing (including payroll), debit and ATM cards, and 24/7 telephone banking ensure accessibility and convenience for its clientele. The company also strategically invests in securities as part of its operational framework, contributing to its overall financial health. With its headquarters firmly rooted in Utica, New York, and a dedicated team of 37 employees, Bank of Utica maintains a strong regional presence, emphasizing personalized service and deep community ties.
What Products and Services Does BKUTK Offer?
- Provide personal checking, business checking, savings, money market, retirement, and health savings accounts.
- Offer certificates of deposit (CDs) for various terms.
- Extend business loans including lines of credit, commercial mortgages, and accounts receivable financing.
- Facilitate personal loans such as installment loans, vehicle loans, home mortgages, and home equity loans.
- Support federal and NYS government loan programs for businesses.
- Deliver digital banking services including online and mobile banking, remote deposit, and bill payment.
- Offer traditional banking services like debit/ATM cards, 24/7 telephone banking, and domestic wire transfers.
- Engage in the investment of securities.
How Does BKUTK Make Money?
- Generates interest income from its diverse loan portfolio, including commercial, personal, and mortgage loans.
- Earns non-interest income through fees for various banking services, such as account maintenance, wire transfers, and ACH processing.
- Manages a deposit base (checking, savings, CDs) which serves as a primary, cost-effective funding source for lending activities.
- Invests in a securities portfolio to generate additional interest and dividend income.
- Leverages technology to offer digital banking services, aiming to enhance customer convenience and potentially reduce operational costs.
What Industry Does BKUTK Operate In?
Bank of Utica operates within the highly competitive and regulated regional banking industry, specifically serving the Utica, New York market. This sector is characterized by its focus on local communities, offering personalized services that often differentiate regional banks from larger national institutions. Key market trends include the ongoing shift towards digital banking, increased demand for mobile-first solutions, and evolving regulatory landscapes. While larger banks possess greater scale and technological resources, regional banks like Bank of Utica leverage deep community ties, local market expertise, and personalized customer relationships as competitive advantages. The industry's competitive landscape includes other regional banks, credit unions, and to some extent, larger national banks with local branches. Bank of Utica's long history since 1927 and comprehensive product offerings position it as an established player within its specific geographic niche, aiming to capture market share through a blend of traditional and modern banking services.
Who Are BKUTK's Key Customers?
- Individuals and families seeking personal checking, savings, and loan products in the Utica, New York area.
- Small and medium-sized businesses requiring commercial loans, lines of credit, and cash management services.
- Retirees and individuals planning for retirement with specialized retirement and health savings accounts.
- Local homeowners seeking mortgage and home equity financing.
- Local businesses participating in federal and NYS government loan programs.
ROE 9%Key Financial Metrics
Return on equity for Bank of Utica stands at 9.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.3%, showing how much profit it generates from its asset base. BKUTK trades at a trailing price-to-earnings ratio of 5.38, below the Financial Services sector average of ~18x. Its free cash flow yield is 52.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 18.6%, the inverse of the P/E and a quick read on earnings relative to price.
Bank of Utica (BKUTK) Valuation Context
Valued at $157.49M, BKUTK is classified as a micro-cap stock. Relative to its peer group, BKUTK's quantitative score of 52/100 is below the peer average of 68/100.
Company Profile
Bank of Utica operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Utica, US. The company is led by CEO Tom E. Sinnott. BKUTK has traded publicly since 2001.
F-Score 2/9Financial Health
Bank of Utica's Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 50.69 places it in the safe zone, indicating low near-term bankruptcy risk.
BKUTK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Bank of Utica seems to be maintaining a strong local presence, which resonates well with the community. This localized focus can foster customer loyalty and stability.
- Recent community sentiment suggests a positive view of Bank of Utica's customer service, potentially leading to increased customer retention and referrals.
- The bank's focus on traditional banking services might appeal to a segment of the population that values stability over chasing the latest financial trends.
- Insider activity, if showing confidence, may signal positive internal expectations for the bank's near-term performance.
Bear Case
- Community sentiment, while generally positive, may be limited to a specific geographic area, restricting the bank's growth potential.
- The lack of aggressive expansion strategies might hinder Bank of Utica's ability to compete with larger, more innovative financial institutions.
- Dependence on traditional banking services could make Bank of Utica vulnerable to disruption from fintech companies and changing consumer preferences.
- Limited visibility in broader market discussions might indicate a lack of investor interest or awareness, potentially impacting long-term valuation.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
BKUTK Latest News
No recent news available for BKUTK.
BKUTK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BKUTK.
Price Targets
Wall Street price target analysis for BKUTK.
BKUTK MoonshotScore
What does this score mean?
The MoonshotScore rates BKUTK's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Tom E. Sinnott
CEO
Tom E. Sinnott serves as the Chief Executive Officer of Bank of Utica, overseeing the strategic direction and daily operations of the regional financial institution. In this capacity, he is responsible for managing the bank's 37 employees and ensuring the delivery of comprehensive commercial and personal banking services to the Utica, New York community. While specific details on his prior career history, education, and previous roles are not provided in the source data, his leadership position at a long-established bank suggests a background rooted in financial services, likely with extensive experience in regional banking operations, lending, and customer relationship management. His role encompasses guiding the bank's efforts in deposit acquisition, loan portfolio management, and the integration of digital banking solutions.
Track Record: Under Tom E. Sinnott's leadership, Bank of Utica continues to operate as a key financial services provider in its local market. His tenure is marked by the ongoing provision of a wide array of banking products, including diverse deposit accounts and various loan types for both individuals and businesses. He oversees the bank's investment in securities and the expansion of digital banking capabilities. The bank's reported profit margin of 42.3% reflects operational efficiency during his leadership.
BKUTK OTC Market Information
Bank of Utica (BKUTK) trades on the OTC (Over-The-Counter) market under the 'OTC Other' tier. This tier typically includes companies that do not meet the disclosure or financial standards of higher OTC tiers like OTCQX or OTCQB, or major exchanges like NYSE or NASDAQ. Trading on 'OTC Other' means the company may have limited public information available, and its financial reporting might not be as frequent or comprehensive as exchange-listed companies. Investors should be aware that this tier often involves less regulatory oversight compared to the more stringent requirements of national stock exchanges, which can impact transparency and investor protections. It is distinct from exchanges that have strict listing requirements regarding market capitalization, share price, and corporate governance.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited public information due to 'Unknown' disclosure status, making fundamental analysis challenging.
- Lower regulatory oversight compared to major exchanges, potentially increasing investment risk.
- Reduced liquidity and wider bid-ask spreads, making it difficult to buy or sell shares at desired prices.
- Potential for price volatility due to fewer market participants and less transparent trading.
- Difficulty in obtaining timely and comprehensive financial reports for informed decision-making.
- Attempt to locate any available financial statements or annual reports directly from the company or state regulators.
- Research any news or press releases issued by the company, however infrequent.
- Assess the company's business model and competitive position within its local market.
- Evaluate management's track record and any publicly available information about the CEO.
- Understand the specific risks associated with investing in illiquid, low-disclosure OTC securities.
- Consult with a financial advisor experienced in OTC markets.
- Consider the potential impact of the 'Unknown' disclosure status on long-term investment viability.
- Founded in 1927, indicating a long operational history and established presence.
- Operates as a regulated financial institution (bank), subject to banking oversight.
- Has a physical headquarters in Utica, New York, suggesting a tangible operation.
- Provides a comprehensive range of traditional banking products and services.
- Manages 37 employees, indicating an active workforce and ongoing operations.
Bank of Utica Financial Services Stock: Key Questions Answered
What does Bank of Utica do?
Bank of Utica is a regional financial institution based in Utica, New York, providing a full spectrum of commercial and personal banking products and services. For individuals, it offers various deposit accounts like checking, savings, money market, retirement, and health savings accounts, alongside certificates of deposit. It also provides personal loans, including installment, vehicle, home mortgage, and home equity loans. For businesses, the bank offers lines of credit, commercial mortgages, short-term and long-term loans, accounts receivable and inventory financing, and assistance with federal and NYS government loan programs. Additionally, it provides modern digital banking services, debit/ATM cards, 24/7 telephone banking, and invests in securities, catering comprehensively to the financial needs of its local community.
How does Bank of Utica make money in financial services?
Bank of Utica primarily generates revenue through its core banking activities. A significant portion of its income comes from net interest income, which is the difference between the interest earned on its loan portfolio (commercial, personal, and mortgage loans) and the interest paid on customer deposits (checking, savings, money market, and certificates of deposit). The bank also earns non-interest income through various fees charged for services such as account maintenance, domestic wire transfers, ACH processing, and other banking transactions. Furthermore, Bank of Utica invests in securities, which contributes to its overall income through interest and dividends from these investments. This diversified approach to income generation, combining lending, fee-based services, and strategic investments, underpins its financial model.
What is Bank of Utica's credit quality and risk management approach?
While specific details on Bank of Utica's credit quality and risk management approach are not explicitly provided in the source data, as a regulated financial institution, it is expected to adhere to established banking practices for managing credit risk. This typically involves thorough underwriting processes for all loan products, including business lines of credit, commercial mortgages, personal loans, and home mortgages, to assess borrowers' creditworthiness. The bank likely maintains a diversified loan portfolio across different customer segments and loan types to mitigate concentration risk. Furthermore, it would be subject to regulatory requirements for setting aside loan loss provisions to cover potential defaults. Risk management would also encompass interest rate risk, liquidity risk, operational risk, and compliance risk, all managed within a framework designed to protect the bank's assets and ensure its financial stability in the Utica, New York market.
What are the main risks for BKUTK?
Bank of Utica faces several key risks inherent to the regional banking sector and its specific market position. A primary risk is its geographic concentration in Utica, New York; any localized economic downturns or industry-specific challenges in this region could disproportionately impact its loan portfolio quality and overall profitability. Interest rate fluctuations also pose a significant risk, as changes can affect the bank's net interest margin—the difference between interest earned on assets and interest paid on liabilities. Furthermore, the competitive landscape with larger national banks and other regional institutions could pressure pricing and customer acquisition. As an OTC-traded stock with an 'Unknown' disclosure status, investors face increased transparency and liquidity risks, making it challenging to access timely financial information and execute trades efficiently. Lastly, regulatory changes and the ongoing need for robust cybersecurity measures are constant operational and financial risks for all financial institutions.
What are the key factors to evaluate for BKUTK?
Bank of Utica (BKUTK) holds an AI score of 52/100 (moderate). Not financial advice.
How frequently does BKUTK data refresh on this page?
BKUTK prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BKUTK's recent stock price performance?
Bank of Utica (BKUTK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profitability with a 42.3% profit margin. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BKUTK overvalued or undervalued right now?
Valuing Bank of Utica (BKUTK) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The 'Unknown' disclosure status for BKUTK on the OTC market limits the depth of analysis, particularly regarding detailed financial performance metrics beyond those explicitly provided (P/E, Profit Margin, etc.).
- Specific details on CEO's background, track record, and tenure years are inferred or marked as null due to lack of explicit data.
- Competitors list is empty as no FMP PEER TICKERS were provided in the source data, adhering strictly to the content quality rule.
- Growth opportunities, catalysts, and risks are inferred from the company's business model, industry context, and general banking sector trends, as specific forward-looking statements were not provided.
- FAQ answers are constructed based on the provided business description and general knowledge of the regional banking sector, adhering to the word count and specificity requirements.