BKUTK (Bank Of Utica (ny)) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BKUTK Bank Of Utica (ny) BKUTK
60 GF Score
Price $635.00
GF Value $856.65
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Bank Of Utica (ny) Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Bank Of Utica (ny) is: High Risk: High uncertainty with risk-return tradeoff.

Bank Of Utica (ny)  (OTCPK:BKUTK) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Bank Of Utica (ny) Risk Assessment Related Terms

BKUTK vs TYFG, FSRL, ENBP: Risk Assessment Comparison

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

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

* The bar in red indicates where Bank Of Utica (ny)'s Risk Assessment falls into.


BKUTK
60GF Score
Bank Of Utica (ny) BKUTK
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $635.00 is trading 25.9% below its estimated GF Value™ of $856.65. GuruFocus considers Bank Of Utica (ny) to be Modestly Undervalued.

Key valuation signals for BKUTK:

  • Risk Assessment:
  • GF Value™: $856.65 vs. price of $635.00 (25.9% below fair value)
  • GF Score™: 60/100 with 1 warning sign

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

Other Exchanges BKUT:USA
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

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

$635.00
Price
$856.65
GF Value