OTCPK:BKUT

Stock Analysis Report

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Executive Summary

Bank of Utica provides commercial and personal banking products and services in Utica, New York.

Risk Analysis

Has not reported any financial data



Snowflake Analysis

Weak fundamentals or lack of information.


Similar Companies

Share Price & News

How has Bank of Utica's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: BKUT has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

BKUT

1.1%

US Banks

2.3%

US Market


1 Year Return

n/a

BKUT

-27.6%

US Banks

6.7%

US Market

Return vs Industry: Insufficient data to determine how BKUT performed against the US Banks industry.

Return vs Market: Insufficient data to determine how BKUT performed against the US Market.


Shareholder returns

BKUTIndustryMarket
7 Day0%1.1%2.3%
30 Day0%-1.9%7.4%
90 Dayn/a-5.0%17.9%
1 Yearn/a-25.1%-27.6%9.0%6.7%
3 Year3.8%-5.0%-16.0%-22.7%36.6%27.7%
5 Yearn/a6.5%-6.4%64.2%46.1%

Price Volatility Vs. Market

How volatile is Bank of Utica's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bank of Utica undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Bank of Utica is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Bank of Utica has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of BKUT’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Bank of Utica regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Bank of Utica forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

22.2%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bank of Utica has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of BKUT’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Bank of Utica's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Bank of Utica performed over the past 5 years?

15.4%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Bank of Utica has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at Bank of Utica's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Bank of Utica's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

How is Bank of Utica's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Bank of Utica's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Bank of Utica has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of BKUT’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Bank of Utica's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Bank of Utica current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate BKUT's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate BKUT's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if BKUT's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if BKUT's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BKUT's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

Tom Sinnott

no data

Tenure

Mr. Tom Sinnott serves as the Chief Executive Officer and President at Bank of Utica. 


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

Bank of Utica's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bank of Utica
  • Ticker: BKUT
  • Exchange: OTCPK
  • Founded: 1927
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$776.340m
  • Shares outstanding: 1.36m
  • Website: https://www.bankofutica.com

Location

  • Bank of Utica
  • 222 Genesee Street
  • Utica
  • New York
  • 13502
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BKUTOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 1993
BKUT.KOTCPK (Pink Sheets LLC)Non-Voting Common StockUSUSDJun 2001

Biography

Bank of Utica provides commercial and personal banking products and services in Utica, New York. The company offers various deposit accounts, including personal checking, business checking, savings, money markets, individual retirement, and health savings accounts; and certificates of deposit. It also provides various loans, such as business loans, including 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, such as personal installment loans, vehicle loans, home mortgages, home equity loans, and overdraft protection loans. In addition, the company offers various services, such as remote deposit capture, ACH origination, account reconciliation, merchant, funds transfer and management, remote deposit, bill payment, real-time stop payments, check reconciliation, re-order checks, and wire transfer services; online, mobile, and telephone banking services; and online bill payment, direct deposits, and other services. Bank of Utica was founded in 1927 and is based in Utica, New York. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/13 00:00
End of Day Share Price2020/07/10 00:00
EarningsN/A
Annual EarningsN/A


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.