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Bank Of Utica (ny)BKUT 60 EV-to-OCF is 6.82 as of Aug. 17, 2026, which is 46% above its 10-year median of 4.66. GuruFocus rates BKUT with a GF Score™ of 60/100 and a GF Value™ of $871.67 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,499 Banks companies, Bank Of Utica (ny) ranks worse than 60.24% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Bank Of Utica (ny)'s Enterprise Value is $127.26 Mil.
Bank Of Utica (ny)'s Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $18.65 Mil. Therefore, Bank Of Utica (ny)'s EV-to-OCF for today is 6.82.
The historical rank and industry rank for Bank Of Utica (ny)'s EV-to-OCF or its related term are showing as below:
BKUT'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.91 Med: 4.66 Max: 13.36
Current: 6.82
During the past 13 years, the highest EV-to-OCF of Bank Of Utica (ny) was 13.36. The lowest was 1.91. And the median was 4.66.
BKUT's EV-to-OCF is ranked worse than 60.24% of 1499
companies
in the Banks industry
Industry Median: 3.92
vs BKUT: 6.82
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank Of Utica (ny) (OTCPK:BKUT) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank Of Utica (ny)'s PE Ratio (TTM) for today is calculated as:
Bank Of Utica (ny)'s share price for today is $722.77.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Bank Of Utica (ny)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $130.000.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bank Of Utica (ny) EV-to-OCF Related Terms
Bank Of Utica (ny) EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Bank Of Utica (ny)'s EV-to-OCF 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.
For the Banks - Regional subindustry, Bank Of Utica (ny)'s EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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) EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Bank Of Utica (ny)'s EV-to-OCF falls into.
Bank Of Utica (ny)'s current Enterprise Value is $127.26 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Bank Of Utica (ny)'s Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $18.65 Mil.
* 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 EV-to-OCF of 6.82 as of Aug. 17, 2026. This is 46% above median its historical median of 4.66. Over the past decade, Bank Of Utica (ny)'s EV-to-OCF has ranged from 1.91 to 13.36. According to the industry distribution chart, Bank Of Utica (ny) ranks #903 out of 1499 companies in the Banks industry, placing it in the top 60.2%.
Is Bank Of Utica (ny)'s EV-to-OCF too high?
Bank Of Utica (ny)'s current EV-to-OCF of 6.82 is 46% above median its 10-year median of 4.66. Over the past 10 years, this metric has ranged from a low of 1.91 to a high of 13.36. The Banks industry median EV-to-OCF is 3.92. Bank Of Utica (ny)'s value of 6.82 is 74% above this industry median. Based on the distribution chart, Bank Of Utica (ny) ranks #903 out of 1499 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-OCF compare to TYFG and FSRL?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #903 out of 1499 companies for EV-to-OCF. This places Bank Of Utica (ny) in the lower half of its industry. The industry median EV-to-OCF is 3.92. Bank Of Utica (ny)'s value of 6.82 is 74% above this benchmark. Historically, Bank Of Utica (ny)'s own EV-to-OCF has ranged from 1.91 to 13.36 over the past decade. While the company's 10-year median is 4.66 vs. the industry median of 3.92, Bank Of Utica (ny) has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.92, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Utica (ny)'s current EV-to-OCF of 6.82 is 74% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Utica (ny)'s current EV-to-OCF is 6.82, which is 46% above median its own 10-year median of 4.66. 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 $871.67, compared to a current price of $722.77 — trading 17.1% below its estimated fair value. The current EV-to-OCF is 6.82, which is 46% above median its 10-year median of 4.66 and 74% above the Banks industry median of 3.92. Bank Of Utica (ny)'s overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUT), the current EV-to-OCF is 6.82 as of Aug. 17, 2026. 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 $722.77 is trading 17.1% below its estimated GF Value™ of $871.67.
GuruFocus considers Bank Of Utica (ny) to be Modestly Undervalued.
Key valuation signals for BKUT:
EV-to-OCF: 6.82 (46% above median its 10-year median of 4.66)
GF Value™: $871.67 vs. price of $722.77 (17.1% below fair value)
Industry Position: 74% above the Banks median (#903 of 1499)
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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