Bank Of Utica (ny)BKUTK +0.64%60 FCF Margin % is 36.82% as of Dec. 2025, which is 19% below its 10-year median of 45.61. GuruFocus rates BKUTK with a GF Score™ of 60/100 and a GF Value™ of $806.98 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,506 Banks companies, Bank Of Utica (ny) ranks better than 65.8% on this metric.
The historical rank and industry rank for Bank Of Utica (ny)'s FCF Margin % or its related term are showing as below:
BKUTK'
s FCF Margin % Range Over the Past 10 Years
Min: 34.43 Med: 45.61 Max: 123.88
Current: 36.82
During the past 13 years, the highest FCF Margin % of Bank Of Utica (ny) was 123.88%. The lowest was 34.43%. And the median was 45.61%.
BKUTK's FCF Margin % is ranked better than 65.8% of 1506
companies
in the Banks industry
Industry Median: 26.355
vs BKUTK: 36.82
Bank Of Utica (ny) FCF Margin % Related Terms
Bank Of Utica (ny) FCF Margin % Historical Data
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The historical data trend for Bank Of Utica (ny)'s FCF Margin % 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.
BKUTK vs EMYB, NODB, MNAT: FCF Margin % Comparison
For the Banks - Regional subindustry, Bank Of Utica (ny)'s FCF Margin %, along with its competitors' market caps and FCF Margin % 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) FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank Of Utica (ny)'s FCF Margin % 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) (BKUTK) has a FCF Margin % of 36.82% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank Of Utica (ny) and its competitors. This is 19% below median its historical median of 45.61. Over the past decade, Bank Of Utica (ny)'s FCF Margin % has ranged from 34.43 to 123.88. According to the industry distribution chart, Bank Of Utica (ny) ranks #515 out of 1506 companies in the Banks industry, placing it in the top 34.2%.
Is Bank Of Utica (ny)'s FCF Margin % too high?
Bank Of Utica (ny)'s current FCF Margin % of 36.82% is 19% below median its 10-year median of 45.61. Over the past 10 years, this metric has ranged from a low of 34.43 to a high of 123.88. The Banks industry median FCF Margin % is 26.36. Bank Of Utica (ny)'s value of 36.82% is 39.7% above this industry median. Based on the distribution chart, Bank Of Utica (ny) ranks #515 out of 1506 companies in the Banks industry, which is above 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 FCF Margin % compare to EMYB and NODB?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #515 out of 1506 companies for FCF Margin %. This puts Bank Of Utica (ny) in the upper half of its industry. The industry median FCF Margin % is 26.36. Bank Of Utica (ny)'s value of 36.82% is 39.7% above this benchmark. Historically, Bank Of Utica (ny)'s own FCF Margin % has ranged from 34.43 to 123.88 over the past decade. While the company's 10-year median is 45.61 vs. the industry median of 26.36, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Utica (ny)'s current FCF Margin % of 36.82% is 39.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank Of Utica (ny) and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Utica (ny)'s current FCF Margin % is 36.82%, which is 19% below median its own 10-year median of 45.61. 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) (BKUTK) is currently considered Modestly Undervalued. The stock's GF Value™ is $806.98, compared to a current price of $629.00 — trading 22.1% below its estimated fair value. The current FCF Margin % is 36.82%, which is 19% below median its 10-year median of 45.61 and 39.7% above the Banks industry median of 26.36. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUTK), the current FCF Margin % is 36.82% 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) (BKUTK) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Of Utica (ny) stock appears to be undervalued.
The current stock price of $629.00 is trading 22.1% below its estimated GF Value™ of $806.98.
GuruFocus considers Bank Of Utica (ny) to be Modestly Undervalued.
Key valuation signals for BKUTK:
FCF Margin %: 36.82% (19% below median its 10-year median of 45.61)
GF Value™: $806.98 vs. price of $629.00 (22.1% below fair value)
Industry Position: 39.7% above the Banks median (#515 of 1506)
No single metric tells the full story. See the BKUTK 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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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