BKUTK (Bank Of Utica (ny)) Dividend Payout Ratio: 0.15 (As of Dec. 2025) — 35% Below Median


BKUTK Bank Of Utica (ny) BKUTK
60 GF Score
Price $629.00
GF Value $806.98
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Bank Of Utica (ny) Dividend Payout Ratio?

Bank Of Utica (ny) BKUTK +0.64% 60 Dividend Payout Ratio is 0.15 as of Dec. 2025, which is 35% below its 10-year median of 0.23. 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 1,169 Banks companies, Bank Of Utica (ny) ranks better than 87.25% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Bank Of Utica (ny)'s Dividend Payout Ratio for the months ended in Dec. 2025 was 0.15.

The historical rank and industry rank for Bank Of Utica (ny)'s Dividend Payout Ratio or its related term are showing as below:

BKUTK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11   Med: 0.23   Max: 0.39
Current: 0.15

During the past 13 years, the highest Dividend Payout Ratio of Bank Of Utica (ny) was 0.39. The lowest was 0.11. And the median was 0.23.

BKUTK's Dividend Payout Ratio is ranked better than
87.25% of 1169 companies
in the Banks industry
Industry Median: 0.32 vs BKUTK: 0.15

As of today (2026-07-03), the Dividend Yield % of Bank Of Utica (ny) is 3.10%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Bank Of Utica (ny) was 4.51%. The lowest was 1.60%. And the median was 3.24%.

Bank Of Utica (ny)'s Dividends per Share for the months ended in Dec. 2025 was $19.25.

During the past 12 months, Bank Of Utica (ny)'s average Dividends Per Share Growth Rate was 2.70% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 2.70% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 3.60% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 14.00% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Bank Of Utica (ny) was 31.90% per year. The lowest was -7.90% per year. And the median was 5.00% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Bank Of Utica (ny) (OTCPK:BKUTK) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Bank Of Utica (ny) Dividend Payout Ratio Related Terms

Bank Of Utica (ny) Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Bank Of Utica (ny)'s Dividend Payout Ratio 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.

Bank Of Utica (ny) Dividend Payout Ratio Chart

Bank Of Utica (ny) Annual Data
Trend Dec06 Dec07 Dec08 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.11 0.39 0.24 0.23 0.15

Bank Of Utica (ny) Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.11 0.39 0.24 0.23 0.15

BKUTK vs EMYB, NODB, MNAT: Dividend Payout Ratio Comparison

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

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

* The bar in red indicates where Bank Of Utica (ny)'s Dividend Payout Ratio falls into.


BKUTK
60GF Score
Bank Of Utica (ny) BKUTK
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Of Utica (ny) Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Bank Of Utica (ny)'s Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=19.25/ 130
=0.15

Bank Of Utica (ny)'s Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=19.25/ 130
=0.15

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.15 mean?
Bank Of Utica (ny) (BKUTK) has a Dividend Payout Ratio of 0.15 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Bank Of Utica (ny) and its competitors. This is 35% below median its historical median of 0.23. Over the past decade, Bank Of Utica (ny)'s Dividend Payout Ratio has ranged from 0.11 to 0.39. According to the industry distribution chart, Bank Of Utica (ny) ranks #149 out of 1169 companies in the Banks industry, placing it in the top 12.7%.
Is Bank Of Utica (ny)'s Dividend Payout Ratio too high?
Bank Of Utica (ny)'s current Dividend Payout Ratio of 0.15 is 35% below median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.39. The Banks industry median Dividend Payout Ratio is 0.32. Bank Of Utica (ny)'s value of 0.15 is 53.1% below this industry median. Based on the distribution chart, Bank Of Utica (ny) ranks #149 out of 1169 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 Dividend Payout Ratio compare to EMYB and NODB?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #149 out of 1169 companies for Dividend Payout Ratio. This places Bank Of Utica (ny) in the top 13% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Bank Of Utica (ny)'s value of 0.15 is 53.1% below this benchmark. Historically, Bank Of Utica (ny)'s own Dividend Payout Ratio has ranged from 0.11 to 0.39 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.32, Bank Of Utica (ny) has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Utica (ny)'s current Dividend Payout Ratio of 0.15 is 53.1% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Bank Of Utica (ny) and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Utica (ny)'s current Dividend Payout Ratio is 0.15, which is 35% below median its own 10-year median of 0.23. 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 Dividend Payout Ratio is 0.15, which is 35% below median its 10-year median of 0.23 and 53.1% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUTK), the current Dividend Payout Ratio is 0.15 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:

  • Dividend Payout Ratio: 0.15 (35% below median its 10-year median of 0.23)
  • GF Value™: $806.98 vs. price of $629.00 (22.1% below fair value)
  • GF Score™: 60/100 with 3 warning signs
  • Industry Position: 53.1% below the Banks median (#149 of 1169)

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

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

Get the complete analysis for BKUTK

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

$629.00
Price
$806.98
GF Value