Bank Of Utica (ny)BKUTK +0.64%60 ROE % 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 $806.98 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Bank Of Utica (ny) ranks worse than 55.54% on this metric.
The historical rank and industry rank for Bank Of Utica (ny)'s ROE % or its related term are showing as below:
BKUTK'
s ROE % 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 ROE % was 13.81%. The lowest was -5.92%. And the median was 7.05%.
BKUTK's ROE % is ranked worse than 55.54% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs BKUTK: 9.43
Bank Of Utica (ny) (OTCPK:BKUTK) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Bank Of Utica (ny) ROE % Related Terms
Bank Of Utica (ny) ROE % Historical Data
* Premium members only.
The historical data trend for Bank Of Utica (ny)'s ROE % 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 ROE %, along with its competitors' market caps and ROE % 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) ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s ROE % distribution charts can be found below:
* The bar in red indicates where Bank Of Utica (ny)'s ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Bank Of Utica (ny) (BKUTK) has a ROE % of 9.43% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total 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 #847 out of 1525 companies in the Banks industry, placing it in the top 55.5%.
Is Bank Of Utica (ny)'s ROE % too high?
Bank Of Utica (ny)'s current ROE % of 9.43% is 34% above median its 10-year median of 7.05. The Banks industry median ROE % is 10.22. Bank Of Utica (ny)'s value of 9.43% is 7.7% below this industry median. Based on the distribution chart, Bank Of Utica (ny) ranks #847 out of 1525 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 ROE % compare to EMYB and NODB?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #847 out of 1525 companies for ROE %. This places Bank Of Utica (ny) in the lower half of its industry. The industry median ROE % is 10.22. Bank Of Utica (ny)'s value of 9.43% is 7.7% below this benchmark. While the company's 10-year median is 7.05 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Utica (ny)'s current ROE % of 9.43% is 7.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank Of Utica (ny) and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Utica (ny)'s current ROE % 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 $806.98, compared to a current price of $629.00 — trading 22.1% below its estimated fair value. The current ROE % is 9.43%, which is 34% above median its 10-year median of 7.05 and 7.7% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUTK), the current ROE % 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 $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:
ROE %: 9.43% (34% above median its 10-year median of 7.05)
GF Value™: $806.98 vs. price of $629.00 (22.1% below fair value)
Industry Position: 7.7% below the Banks median (#847 of 1525)
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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