BKUT (Bank Of Utica (ny)) Cyclically Adjusted PB Ratio: (As of Sep. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BKUT Bank Of Utica (ny) BKUT
60 GF Score
Price $685.00
GF Value $886.81
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Bank Of Utica (ny) Cyclically Adjusted PB Ratio?

Bank Of Utica (ny) does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.

Shiller PE for Stocks: The True Measure of Stock Valuation

Bank Of Utica (ny)  (OTCPK:BKUT) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.

Bank Of Utica (ny) Cyclically Adjusted PB Ratio Related Terms

Bank Of Utica (ny) Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Bank Of Utica (ny)'s Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bank Of Utica (ny) Cyclically Adjusted PB Ratio Chart

Bank Of Utica (ny) Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial

Bank Of Utica (ny) Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial

BKUT vs PRMY, SBFG, INBC: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Bank Of Utica (ny)'s Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bank Of Utica (ny) Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Bank Of Utica (ny)'s Cyclically Adjusted PB Ratio falls into.


BKUT
60GF Score
Bank Of Utica (ny) BKUT
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank Of Utica (ny) Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Bank Of Utica (ny) does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.

Is Bank Of Utica (ny) (BKUT) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Of Utica (ny) stock appears to be undervalued. The current stock price of $685.00 is trading 22.8% below its estimated GF Value™ of $886.81. GuruFocus considers Bank Of Utica (ny) to be Modestly Undervalued.

Key valuation signals for BKUT:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: $886.81 vs. price of $685.00 (22.8% below fair value)
  • GF Score™: 60/100 with 3 warning signs

No single metric tells the full story. See the BKUT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank Of Utica (ny) Business Description

Other Exchanges BKUTK:USA
Address 222 Genesee Street, Utica, NY, USA, 13502
Bank Of Utica (ny) is a full-service commercial bank that provides a range of banking products and services to personal and business customers. Its offerings include deposit accounts such as checking, savings, money market accounts, individual retirement accounts, health savings accounts, and certificates of deposit, as well as various lending products including business loans, commercial mortgages, lines of credit, and personal loans.
60GF Score

Get the complete analysis for BKUT

Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$685.00
Price
$886.81
GF Value