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Bank Of Utica (ny)BKUT +0.14%60 Return-on-Tangible-Asset is 2.33% as of Dec. 2025, which is 62% above its 10-year median of 1.44. GuruFocus rates BKUT with a GF Score™ of 60/100 and a GF Value™ of $866.66 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, Bank Of Utica (ny) ranks better than 91.36% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Bank Of Utica (ny)'s annualizedNet Income for the quarter that ended in Dec. 2025 was $32.55 Mil. Bank Of Utica (ny)'s average total tangible assets for the quarter that ended in Dec. 2025 was $1,397.17 Mil. Therefore, Bank Of Utica (ny)'s annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 2.33%.
The historical rank and industry rank for Bank Of Utica (ny)'s Return-on-Tangible-Asset or its related term are showing as below:
BKUT'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.71 Med: 1.44 Max: 2.68
Current: 2.33
During the past 13 years, Bank Of Utica (ny)'s highest Return-on-Tangible-Asset was 2.68%. The lowest was -0.71%. And the median was 1.44%.
BKUT's Return-on-Tangible-Asset is ranked better than 91.36% of 1527
companies
in the Banks industry
Industry Median: 1.01
vs BKUT: 2.33
Bank Of Utica (ny) (OTCPK:BKUT) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Bank Of Utica (ny) Return-on-Tangible-Asset Related Terms
Bank Of Utica (ny) Return-on-Tangible-Asset Historical Data
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The historical data trend for Bank Of Utica (ny)'s Return-on-Tangible-Asset 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.
BKUT vs TYFG, FSRL, ENBP: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Bank Of Utica (ny)'s Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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) Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Bank Of Utica (ny)'s Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 2.33% mean?
Bank Of Utica (ny) (BKUT) has a Return-on-Tangible-Asset of 2.33% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank Of Utica (ny) and its competitors. This is 62% above median its historical median of 1.44. According to the industry distribution chart, Bank Of Utica (ny) ranks #132 out of 1527 companies in the Banks industry, placing it in the top 8.6%.
Is Bank Of Utica (ny)'s Return-on-Tangible-Asset too high?
Bank Of Utica (ny)'s current Return-on-Tangible-Asset of 2.33% is 62% above median its 10-year median of 1.44. The Banks industry median Return-on-Tangible-Asset is 1.01. Bank Of Utica (ny)'s value of 2.33% is 130.7% above this industry median. Based on the distribution chart, Bank Of Utica (ny) ranks #132 out of 1527 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 Return-on-Tangible-Asset compare to TYFG and FSRL?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #132 out of 1527 companies for Return-on-Tangible-Asset. This places Bank Of Utica (ny) in the top 9% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.01. Bank Of Utica (ny)'s value of 2.33% is 130.7% above this benchmark. While the company's 10-year median is 1.44 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Utica (ny)'s current Return-on-Tangible-Asset of 2.33% is 130.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank Of Utica (ny) and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Utica (ny)'s current Return-on-Tangible-Asset is 2.33%, which is 62% above median its own 10-year median of 1.44. 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) (BKUT) is currently considered Modestly Undervalued. The stock's GF Value™ is $866.66, compared to a current price of $701.00 — trading 19.1% below its estimated fair value. The current Return-on-Tangible-Asset is 2.33%, which is 62% above median its 10-year median of 1.44 and 130.7% above the Banks industry median of 1.01. Bank Of Utica (ny)'s overall GF Score™ is 60/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUT), the current Return-on-Tangible-Asset is 2.33% 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) (BKUT) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Of Utica (ny) stock appears to be undervalued.
The current stock price of $701.00 is trading 19.1% below its estimated GF Value™ of $866.66.
GuruFocus considers Bank Of Utica (ny) to be Modestly Undervalued.
Key valuation signals for BKUT:
Return-on-Tangible-Asset: 2.33% (62% above median its 10-year median of 1.44)
GF Value™: $866.66 vs. price of $701.00 (19.1% below fair value)
Industry Position: 130.7% above the Banks median (#132 of 1527)
No single metric tells the full story. See the BKUT 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
Get the complete analysis for BKUT
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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