1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Bank of Utica

Bank of Utica

BKUT
Bank of UticaUS flagOther OTC
632.00
USD
- -
- -
31.60MMarket Cap
2003 Y
2004 Y
2005 Y
2006 Y
2007 Y
2008 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
91.58
91.68
57.67
50.14
55.53
-21.66
139.76
158.59
228.88
93.53
130.36
136.32
- -
60.66
Basic EPS, GAAP
44
51.82
30.49
26.86
28.63
-23
85.05
96.74
154.02
46.49
75.46
80.08
- -
-23
Free Cash Flow per Basic Share
54.7
73.2
- -
- -
- -
- -
63.75
62.24
78.8
115.87
104.25
75.58
- -
- -
Dividend per Share
5.5
6
- -
- -
- -
- -
15
16
17
17.75
18
18.75
- -
- -
Book Value per Share
95.12
141.14
165.13
185.49
86.18
37.02
130.1
201.79
270.75
220.5
141.95
175.54
- -
37.02
Tangible Book Value per Share
296.66
346.87
373.74
394.95
410.65
366.6
965.7
1,046.43
1,183.45
1,212.19
1,264.24
1,325.57
- -
366.6
Basic Weighted Avg Shares
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Sales/Revenue/Turnover
23
23
14
13
14
-5
35
40
57
23
33
34
50
15
Operating Margin (%)
72.53
80.11
67.68
66.08
68.42
- -
- -
- -
- -
- -
- -
- -
- -
-73.03
Depreciation Expense
2
5
- -
- -
- -
- -
2
2
2
1
1
1
1
- -
Net Income, GAAP
11
13
8
7
7
-6
21
24
39
12
19
20
33
-6
Effective Tax Rate (%)
33.76
29.45
21.88
18.94
24.64
- -
18.57
18.89
19.7
13.9
19.64
19.07
19.57
105.69
Profit Margin (%)
48.05
56.52
52.87
53.57
51.56
106.17
60.86
61
67.29
49.7
57.89
58.74
65.06
-37.92
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
74
87
93
99
103
92
241
262
296
303
316
331
359
92
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
37.98
43.87
19.91
15.32
21.08
-37.34
101.79
58.29
65.19
18.93
41.64
50.45
64.17
-37.34

Capital Structure

FRC

•

in mil. unless spec.
Jun'08
Sep'08
Dec'08
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
- -
- -
Market Capitalization
106
106
56

Working Capital

FRC

•

in mil. unless spec.
Jun'08
Sep'08
Dec'08
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
59
48
60
Accounts Receivable, Net
9
9
9
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
2
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
20.37%
6.61%
8.37%
Free Cash Flow
- -
6.73%
-2.48%
Net Income, GAAP
-52.13%
24.09%
62.6%
Sales/Revenue/Turnover
-79.7%
15.19%
46.82%
Total Cash Common Dividend
- -
3.78%
2.67%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
33
2024
- -
- -
- -
- -
34
2025
- -
- -
- -
- -
50

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
75.46
2024
- -
- -
- -
- -
80.08
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
18
2024
- -
- -
- -
- -
18.75
2025
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Tom E. Sinnot
Full Time Employees
396
Sector
Financial Services
Industry
Banks - Regional
Address
222 Genesee Street Utica NY United States of America 13502
IPO Date
Feb 1, 2000
Website
bankofutica.com
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Business
Bank of Utica (BKUT) operates as a full-service commercial bank headquartered in Utica, New York, providing deposit and lending products primarily to consumers and businesses in the Mohawk Valley region. Founded in 1927 and locally owned, the bank offers personal checking accounts with interest, savings accounts, money market accounts, individual retirement accounts, health savings accounts, certificates of deposit; Quickdraw Visa debit cards with CardHub controls for alerts, spending limits and card toggling; personal loans and check credit lines with low interest rates, fixed payments and no early payoff penalties; business checking, remote deposit capture, ACH processing including payroll, wire transfers, bill payment and check reconciliation services; online banking, 24-hour telephone banking, direct deposit, ATM access via Allpoint network and traditional in-branch services. The bank maintains a single primary location at 200 Genesee Street in Utica, serving central New York with FDIC-insured deposits and a focus on community-oriented banking. In recent developments, Bank of Utica sponsors the 6th Annual New Year's Eve event in downtown Utica with city public safety departments to celebrate 2026, highlighting its ongoing community engagement initiatives.