Bank Of Utica (ny)BKUTK +0.64%60 PB Ratio is 0.44 as of Jul. 04, 2026, which is at its 10-year median of 0.44. GuruFocus rates BKUTK with a GF Score™ of 60/100 and a GF Value™ of $807.38 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, Bank Of Utica (ny) ranks better than 89.26% on this metric.
Bank Of Utica (ny) stock PB Ratio (=0.49) is close to 3-year high of 0.49.
The historical rank and industry rank for Bank Of Utica (ny)'s PB Ratio or its related term are showing as below:
BKUTK'
s PB Ratio Range Over the Past 10 Years
Min: 0.32 Med: 0.44 Max: 0.99
Current: 0.48
During the past 13 years, Bank Of Utica (ny)'s highest PB Ratio was 0.99. The lowest was 0.32. And the median was 0.44.
BKUTK's PB Ratio is ranked better than 89.26% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs BKUTK: 0.48
During the past 12 months, Bank Of Utica (ny)'s average Book Value Per Share Growth Rate was 8.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 17.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank Of Utica (ny) was 45.80% per year. The lowest was 0.70% per year. And the median was 7.90% per year.
Back to Basics: PB Ratio
Bank Of Utica (ny) (OTCPK:BKUTK) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Bank Of Utica (ny) PB Ratio Related Terms
Bank Of Utica (ny) PB Ratio Historical Data
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The historical data trend for Bank Of Utica (ny)'s PB 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.
For the Banks - Regional subindustry, Bank Of Utica (ny)'s PB Ratio, along with its competitors' market caps and PB 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) PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank Of Utica (ny)'s PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Bank Of Utica (ny) (BKUTK) has a PB Ratio of 0.44 as of Jul. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank Of Utica (ny) and its competitors. This is near median its historical median of 0.44. Over the past decade, Bank Of Utica (ny)'s PB Ratio has ranged from 0.32 to 0.99. According to the industry distribution chart, Bank Of Utica (ny) ranks #163 out of 1517 companies in the Banks industry, placing it in the top 10.7%.
Is Bank Of Utica (ny)'s PB Ratio too high?
Bank Of Utica (ny)'s current PB Ratio of 0.44 is near median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 0.99. The Banks industry median PB Ratio is 1.10. Bank Of Utica (ny)'s value of 0.44 is 60% below this industry median. Based on the distribution chart, Bank Of Utica (ny) ranks #163 out of 1517 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 PB Ratio compare to EMYB and NODB?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #163 out of 1517 companies for PB Ratio. This places Bank Of Utica (ny) in the top 11% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. Bank Of Utica (ny)'s value of 0.44 is 60% below this benchmark. Historically, Bank Of Utica (ny)'s own PB Ratio has ranged from 0.32 to 0.99 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Utica (ny)'s current PB Ratio of 0.44 is 60% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank Of Utica (ny) and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Utica (ny)'s current PB Ratio is 0.44, which is near median its own 10-year median of 0.44. 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 $807.38, compared to a current price of $629.00 — trading 22.1% below its estimated fair value. The current PB Ratio is 0.44, which is near median its 10-year median of 0.44 and 60% below the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUTK), the current PB Ratio is 0.44 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 22.1% below its estimated GF Value™ of $807.38.
GuruFocus considers Bank Of Utica (ny) to be Modestly Undervalued.
Key valuation signals for BKUTK:
PB Ratio: 0.44 (near median its 10-year median of 0.44)
GF Value™: $807.38 vs. price of $629.00 (22.1% below fair value)
Industry Position: 60% below the Banks median (#163 of 1517)
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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