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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Bank Of Utica (ny)'s Debt-to-Equity or its related term are showing as below:
BKUT's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.58 * Ranked among companies with meaningful Debt-to-Equity only.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Bank Of Utica (ny) Debt-to-Equity Related Terms
Bank Of Utica (ny) Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Bank Of Utica (ny)'s Debt-to-Equity 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.
BKUT vs TYFG, FSRL, ENBP: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Bank Of Utica (ny)'s Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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) Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bank Of Utica (ny)'s Debt-to-Equity falls into.
* 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) (BKUT) has a Debt-to-Equity of 0.00 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank Of Utica (ny) and its competitors. According to the industry distribution chart, Bank Of Utica (ny) ranks #999999 out of 1421 companies in the Banks industry.
Is Bank Of Utica (ny)'s Debt-to-Equity too high?
Bank Of Utica (ny)'s current Debt-to-Equity is 0.00. Based on the distribution chart, Bank Of Utica (ny) ranks #999999 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank Of Utica (ny) has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank Of Utica (ny)'s Debt-to-Equity compare to TYFG and FSRL?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #999999 out of 1421 companies for Debt-to-Equity. This places Bank Of Utica (ny) in the lower half of its industry. The industry median Debt-to-Equity is 0.58. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank Of Utica (ny) and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Utica (ny)'s current Debt-to-Equity is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Of Utica (ny) stock overvalued right now?
Based on GuruFocus' analysis, Bank Of Utica (ny) (BKUT) is currently considered Modestly Undervalued. The stock's GF Value™ is $866.66, compared to a current price of $701.00 — trading 19.1% below its estimated fair value. The current Debt-to-Equity is 0.00. Bank Of Utica (ny)'s overall GF Score™ is 60/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUT), the current Debt-to-Equity is 0.00 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 $701.00 is trading 19.1% below its estimated GF Value™ of $866.66.
GuruFocus considers Bank Of Utica (ny) to be Modestly Undervalued.
Key valuation signals for BKUT:
Debt-to-Equity: 0.00
GF Value™: $866.66 vs. price of $701.00 (19.1% below fair value)
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) 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
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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