Bank Of Utica (ny)BKUTK +0.16%60 Return-on-Tangible-Equity is 9.43% as of Dec. 2025, which is 34% above its 10-year median of 7.05. GuruFocus rates BKUTK with a GF Score™ of 60/100 and a GF Value™ of $849.55 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Bank Of Utica (ny) ranks worse than 60.94% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Bank Of Utica (ny)'s annualized net income for the quarter that ended in Dec. 2025 was $32.55 Mil. Bank Of Utica (ny)'s average shareholder tangible equity for the quarter that ended in Dec. 2025 was $345.26 Mil. Therefore, Bank Of Utica (ny)'s annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 9.43%.
The historical rank and industry rank for Bank Of Utica (ny)'s Return-on-Tangible-Equity or its related term are showing as below:
BKUTK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -5.92 Med: 7.05 Max: 13.81
Current: 9.43
During the past 13 years, Bank Of Utica (ny)'s highest Return-on-Tangible-Equity was 13.81%. The lowest was -5.92%. And the median was 7.05%.
BKUTK's Return-on-Tangible-Equity is ranked worse than 60.94% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs BKUTK: 9.43
Bank Of Utica (ny) (OTCPK:BKUTK) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Bank Of Utica (ny) Return-on-Tangible-Equity Related Terms
Bank Of Utica (ny) Return-on-Tangible-Equity Historical Data
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The historical data trend for Bank Of Utica (ny)'s Return-on-Tangible-Equity 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) Return-on-Tangible-Equity Chart
BKUTK vs EMYB, NODB, MNAT: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Bank Of Utica (ny)'s Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bank Of Utica (ny)'s Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.43% mean?
Bank Of Utica (ny) (BKUTK) has a Return-on-Tangible-Equity of 9.43% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bank Of Utica (ny) and its competitors. This is 34% above median its historical median of 7.05. According to the industry distribution chart, Bank Of Utica (ny) ranks #930 out of 1526 companies in the Banks industry, placing it in the top 60.9%.
Is Bank Of Utica (ny)'s Return-on-Tangible-Equity too high?
Bank Of Utica (ny)'s current Return-on-Tangible-Equity of 9.43% is 34% above median its 10-year median of 7.05. The Banks industry median Return-on-Tangible-Equity is 11.20. Bank Of Utica (ny)'s value of 9.43% is 15.8% below this industry median. Based on the distribution chart, Bank Of Utica (ny) ranks #930 out of 1526 companies in the Banks industry, which is below 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 Return-on-Tangible-Equity compare to EMYB and NODB?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #930 out of 1526 companies for Return-on-Tangible-Equity. This places Bank Of Utica (ny) in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Bank Of Utica (ny)'s value of 9.43% is 15.8% below this benchmark. While the company's 10-year median is 7.05 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 9.43% is 15.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bank Of Utica (ny) and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 9.43%, which is 34% above median its own 10-year median of 7.05. 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 $849.55, compared to a current price of $632.00 — trading 25.6% below its estimated fair value. The current Return-on-Tangible-Equity is 9.43%, which is 34% above median its 10-year median of 7.05 and 15.8% below the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUTK), the current Return-on-Tangible-Equity is 9.43% 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 $632.00 is trading 25.6% below its estimated GF Value™ of $849.55.
GuruFocus considers Bank Of Utica (ny) to be Modestly Undervalued.
Key valuation signals for BKUTK:
Return-on-Tangible-Equity: 9.43% (34% above median its 10-year median of 7.05)
GF Value™: $849.55 vs. price of $632.00 (25.6% below fair value)
Industry Position: 15.8% below the Banks median (#930 of 1526)
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
Get the complete analysis for BKUTK
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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