BKUTK (Bank Of Utica (ny)) Scaled Net Operating Assets: 0.22 (As of Dec. 2025)


BKUTK Bank Of Utica (ny) BKUTK
60 GF Score
Price $629.00
GF Value $806.98
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Bank Of Utica (ny) Scaled Net Operating Assets?

Bank Of Utica (ny) BKUTK +0.64% 60 Scaled Net Operating Assets is 0.22 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bank Of Utica (ny)'s operating assets for the quarter that ended in Dec. 2025 was $1,358.49 Mil. Bank Of Utica (ny)'s operating liabilities for the quarter that ended in Dec. 2025 was $1,046.24 Mil. Bank Of Utica (ny)'s Total Assets for the quarter that ended in Dec. 2024 was $1,388.97 Mil. Therefore, Bank Of Utica (ny)'s scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.22.

BKUTK
60GF Score
Bank Of Utica (ny) BKUTK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Of Utica (ny) Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bank Of Utica (ny)'s Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1358.49-1046.241)/1388.968
=0.22

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1405.373 - 46.883
=1358.49

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1046.241 - 0 - 0
=1046.241

Bank Of Utica (ny)'s Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(1358.49-1046.241)/1388.968
=0.22

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1405.373 - 46.883
=1358.49

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1046.241 - 0 - 0
=1046.241

* 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.

What does a Scaled Net Operating Assets of 0.22 mean?
Bank Of Utica (ny) (BKUTK) has a Scaled Net Operating Assets of 0.22 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bank Of Utica (ny) and its competitors.
Is Bank Of Utica (ny)'s Scaled Net Operating Assets too high?
Bank Of Utica (ny)'s current Scaled Net Operating Assets is 0.22. 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 Scaled Net Operating Assets compare to EMYB and NODB?
Bank Of Utica (ny)'s Scaled Net Operating Assets of 0.22 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bank Of Utica (ny) and its competitors. Bank Of Utica (ny)'s current Scaled Net Operating Assets is 0.22. 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 Scaled Net Operating Assets is 0.22. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUTK), the current Scaled Net Operating Assets is 0.22 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:

  • Scaled Net Operating Assets: 0.22
  • GF Value™: $806.98 vs. price of $629.00 (22.1% below fair value)
  • GF Score™: 60/100 with 3 warning signs

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

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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$629.00
Price
$806.98
GF Value