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Bank Of Utica (ny)BKUT +0.14%60 5-Year Yield-on-Cost % is 3.33 as of Aug. 04, 2026, which is 14% below its 10-year median of 3.85. 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 1,252 Banks companies, Bank Of Utica (ny) ranks worse than 58.79% on this metric.
Bank Of Utica (ny)'s yield on cost for the quarter that ended in Dec. 2025 was 3.33.
The historical rank and industry rank for Bank Of Utica (ny)'s 5-Year Yield-on-Cost % or its related term are showing as below:
BKUT'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.91 Med: 3.85 Max: 5.38
Current: 3.33
During the past 13 years, Bank Of Utica (ny)'s highest Yield on Cost was 5.38. The lowest was 1.91. And the median was 3.85.
BKUT's 5-Year Yield-on-Cost % is ranked worse than 58.79% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs BKUT: 3.33
Bank Of Utica (ny) (OTCPK:BKUT) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Bank Of Utica (ny) 5-Year Yield-on-Cost % Related Terms
BKUT vs TYFG, FSRL, ENBP: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Bank Of Utica (ny)'s 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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) 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Bank Of Utica (ny)'s 5-Year Yield-on-Cost % falls into.
Bank Of Utica (ny) 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Bank Of Utica (ny) (BKUT) has a 5-Year Yield-on-Cost % of 3.33 as of Aug. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Bank Of Utica (ny) and its competitors. This is 14% below median its historical median of 3.85. Over the past decade, Bank Of Utica (ny)'s 5-Year Yield-on-Cost % has ranged from 1.91 to 5.38. According to the industry distribution chart, Bank Of Utica (ny) ranks #736 out of 1252 companies in the Banks industry, placing it in the top 58.8%.
Is Bank Of Utica (ny)'s 5-Year Yield-on-Cost % too high?
Bank Of Utica (ny)'s current 5-Year Yield-on-Cost % of 3.33 is 14% below median its 10-year median of 3.85. Over the past 10 years, this metric has ranged from a low of 1.91 to a high of 5.38. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Bank Of Utica (ny)'s value of 3.33 is 12.9% below this industry median. Based on the distribution chart, Bank Of Utica (ny) ranks #736 out of 1252 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 5-Year Yield-on-Cost % compare to TYFG and FSRL?
According to the Banks industry distribution chart, Bank Of Utica (ny) ranks #736 out of 1252 companies for 5-Year Yield-on-Cost %. This places Bank Of Utica (ny) in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. Bank Of Utica (ny)'s value of 3.33 is 12.9% below this benchmark. Historically, Bank Of Utica (ny)'s own 5-Year Yield-on-Cost % has ranged from 1.91 to 5.38 over the past decade. While the company's 10-year median is 3.85 vs. the industry median of 3.83, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Utica (ny)'s current 5-Year Yield-on-Cost % of 3.33 is 12.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Bank Of Utica (ny) and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Utica (ny)'s current 5-Year Yield-on-Cost % is 3.33, which is 14% below median its own 10-year median of 3.85. 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 5-Year Yield-on-Cost % is 3.33, which is 14% below median its 10-year median of 3.85 and 12.9% below the Banks industry median of 3.83. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Bank Of Utica (ny) (BKUT), the current 5-Year Yield-on-Cost % is 3.33 as of Aug. 04, 2026. 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:
5-Year Yield-on-Cost %: 3.33 (14% below median its 10-year median of 3.85)
GF Value™: $866.66 vs. price of $701.00 (19.1% below fair value)
Industry Position: 12.9% below the Banks median (#736 of 1252)
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
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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