BKUTK (Bank Of Utica (ny)) Moat Score: 4/10 (As of Jul. 04, 2026)


BKUTK Bank Of Utica (ny) BKUTK
60 GF Score
Price $629.00
GF Value $880.98
Valuation Modestly Undervalued
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What is Bank Of Utica (ny) Moat Score?

Bank Of Utica (ny) BKUTK +0.64% 60 Moat Score is 4 as of Jul. 04, 2026. GuruFocus rates BKUTK with a GF Score™ of 60/100 and a GF Value™ of $880.98 (Modestly Undervalued). Among 1,611 Banks companies, Bank Of Utica (ny) ranks better than 86.22% on this metric.

Bank Of Utica (ny) has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Bank Of Utica (ny) has Narrow Moat: Bank Of Utica has a discernible but modest moat due to its local market presence and customer loyalty. However, it lacks significant scale or regulatory advantages to strengthen its moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank Of Utica (ny) might have Narrow Moat - Discernible but modest moat.

Bank Of Utica (ny)  (OTCPK:BKUTK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bank Of Utica (ny) Moat Score Related Terms

BKUTK vs EMYB, NODB, MNAT: Moat Score Comparison

For the Banks - Regional subindustry, Bank Of Utica (ny)'s Moat Score, along with its competitors' market caps and Moat Score 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) Moat Score vs Banks Industry

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

* The bar in red indicates where Bank Of Utica (ny)'s Moat Score falls into.


BKUTK
60GF Score
Bank Of Utica (ny) BKUTK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Bank Of Utica (ny) (BKUTK) has a Moat Score of 4 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bank Of Utica (ny) ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Bank Of Utica (ny)'s Moat Score too high?
Bank Of Utica (ny)'s current Moat Score is 4. Based on the distribution chart, Bank Of Utica (ny) ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position 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 Moat Score compare to EMYB and NODB?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #222 out of 1611 companies for Moat Score. This places Bank Of Utica (ny) in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bank Of Utica (ny)'s current Moat Score is 4. 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 $880.98, compared to a current price of $629.00 — trading 28.6% below its estimated fair value. The current Moat Score is 4. Bank Of Utica (ny)'s overall GF Score™ is 60/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUTK), the current Moat Score is 4 as of Jul. 04, 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) (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 28.6% below its estimated GF Value™ of $880.98. GuruFocus considers Bank Of Utica (ny) to be Modestly Undervalued.

Key valuation signals for BKUTK:

  • Moat Score: 4
  • GF Value™: $880.98 vs. price of $629.00 (28.6% below fair value)
  • GF Score™: 60/100

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) Business Description

Other Exchanges BKUT: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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$629.00
Price
$880.98
GF Value