Bank Of Utica (ny)BKUTK +0.64%60 Net Margin % is 65.06% as of Dec. 2025, which is 9% above its 10-year median of 59.80. 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 1,528 Banks companies, Bank Of Utica (ny) ranks better than 98.3% on this metric.
The historical rank and industry rank for Bank Of Utica (ny)'s Net Margin % or its related term are showing as below:
BKUTK'
s Net Margin % Range Over the Past 10 Years
Min: 49.7 Med: 59.8 Max: 106.17
Current: 65.06
BKUTK's Net Margin % is ranked better than 98.3% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs BKUTK: 65.06
Bank Of Utica (ny) (OTCPK:BKUTK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bank Of Utica (ny) Net Margin % Related Terms
Bank Of Utica (ny) Net Margin % Historical Data
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The historical data trend for Bank Of Utica (ny)'s Net 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: Net Margin % Comparison
For the Banks - Regional subindustry, Bank Of Utica (ny)'s Net Margin %, along with its competitors' market caps and Net 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) Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank Of Utica (ny)'s Net 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 Net Margin % of 65.06% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Bank Of Utica (ny) and its competitors. This is near median its historical median of 59.80. Over the past decade, Bank Of Utica (ny)'s Net Margin % has ranged from 49.70 to 106.17. According to the industry distribution chart, Bank Of Utica (ny) ranks #26 out of 1528 companies in the Banks industry, placing it in the top 1.7%.
Is Bank Of Utica (ny)'s Net Margin % too high?
Bank Of Utica (ny)'s current Net Margin % of 65.06% is near median its 10-year median of 59.80. Over the past 10 years, this metric has ranged from a low of 49.70 to a high of 106.17. The Banks industry median Net Margin % is 26.85. Bank Of Utica (ny)'s value of 65.06% is 142.4% above this industry median. Based on the distribution chart, Bank Of Utica (ny) ranks #26 out of 1528 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 Net Margin % compare to EMYB and NODB?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #26 out of 1528 companies for Net Margin %. This places Bank Of Utica (ny) in the top 2% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. Bank Of Utica (ny)'s value of 65.06% is 142.4% above this benchmark. Historically, Bank Of Utica (ny)'s own Net Margin % has ranged from 49.70 to 106.17 over the past decade. While the company's 10-year median is 59.80 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Utica (ny)'s current Net Margin % of 65.06% is 142.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bank Of Utica (ny) and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Utica (ny)'s current Net Margin % is 65.06%, which is near median its own 10-year median of 59.80. 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 Net Margin % is 65.06%, which is near median its 10-year median of 59.80 and 142.4% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUTK), the current Net Margin % is 65.06% 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:
Net Margin %: 65.06% (near median its 10-year median of 59.80)
GF Value™: $806.98 vs. price of $629.00 (22.1% below fair value)
Industry Position: 142.4% above the Banks median (#26 of 1528)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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