Bank Of Utica (ny)BKUTK +0.64%60 OCF Margin % is 37.26% as of Dec. 2025, which is 21% below its 10-year median of 47.38. 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 1,502 Banks companies, Bank Of Utica (ny) ranks better than 62.45% on this metric.
The historical rank and industry rank for Bank Of Utica (ny)'s OCF Margin % or its related term are showing as below:
BKUTK'
s OCF Margin % Range Over the Past 10 Years
Min: 34.43 Med: 47.38 Max: 124.16
Current: 37.26
During the past 13 years, the highest OCF Margin % of Bank Of Utica (ny) was 124.16%. The lowest was 34.43%. And the median was 47.38%.
BKUTK's OCF Margin % is ranked better than 62.45% of 1502
companies
in the Banks industry
Industry Median: 29.345
vs BKUTK: 37.26
Bank Of Utica (ny) OCF Margin % Related Terms
Bank Of Utica (ny) OCF Margin % Historical Data
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The historical data trend for Bank Of Utica (ny)'s OCF 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: OCF Margin % Comparison
For the Banks - Regional subindustry, Bank Of Utica (ny)'s OCF Margin %, along with its competitors' market caps and OCF 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) OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s OCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank Of Utica (ny)'s OCF 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 OCF Margin % of 37.26% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bank Of Utica (ny) and its competitors. This is 21% below median its historical median of 47.38. Over the past decade, Bank Of Utica (ny)'s OCF Margin % has ranged from 34.43 to 124.16. According to the industry distribution chart, Bank Of Utica (ny) ranks #564 out of 1502 companies in the Banks industry, placing it in the top 37.5%.
Is Bank Of Utica (ny)'s OCF Margin % too high?
Bank Of Utica (ny)'s current OCF Margin % of 37.26% is 21% below median its 10-year median of 47.38. Over the past 10 years, this metric has ranged from a low of 34.43 to a high of 124.16. The Banks industry median OCF Margin % is 29.35. Bank Of Utica (ny)'s value of 37.26% is 27% above this industry median. Based on the distribution chart, Bank Of Utica (ny) ranks #564 out of 1502 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 OCF Margin % compare to EMYB and NODB?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #564 out of 1502 companies for OCF Margin %. This puts Bank Of Utica (ny) in the upper half of its industry. The industry median OCF Margin % is 29.35. Bank Of Utica (ny)'s value of 37.26% is 27% above this benchmark. Historically, Bank Of Utica (ny)'s own OCF Margin % has ranged from 34.43 to 124.16 over the past decade. While the company's 10-year median is 47.38 vs. the industry median of 29.35, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.35, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Utica (ny)'s current OCF Margin % of 37.26% is 27% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bank Of Utica (ny) and its competitors. For the Banks industry, the median OCF Margin % is 29.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Utica (ny)'s current OCF Margin % is 37.26%, which is 21% below median its own 10-year median of 47.38. 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 OCF Margin % is 37.26%, which is 21% below median its 10-year median of 47.38 and 27% above the Banks industry median of 29.35. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUTK), the current OCF Margin % is 37.26% 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:
OCF Margin %: 37.26% (21% below median its 10-year median of 47.38)
GF Value™: $806.98 vs. price of $629.00 (22.1% below fair value)
Industry Position: 27% above the Banks median (#564 of 1502)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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