Bank of Utica Financial Ratios — BKUT Stock

Profitability (USD)

	2002 Y	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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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
Return on Assets (%)	- -	1.24	1.36	0.87	0.88	0.95	-0.71	2.15	1.94	2.68	0.79	1.39	1.49	2.33
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	54.02	82.05	100.69	67.68	66.08	68.42	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	48.12	72.53	80.11	67.68	66.08	68.42	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	259.83	7,205.14	101.2	78.32	90.19	49.22	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	48.12	72.53	80.11	67.68	66.08	68.42	204.49	74.74	75.2	83.8	57.73	72.04	72.58	80.89
Profit Margin (%)	34.83	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
Net Income to Common Margin (%)	34.83	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
Effective Tax Rate (%)	27.62	33.76	29.45	21.88	18.94	24.64	- -	18.57	18.89	19.7	13.9	19.64	19.07	19.57
Dvd Payout Ratio (%)	17.72	12.5	11.58	- -	- -	- -	- -	17.64	16.54	11.04	38.18	23.85	23.41	14.78
Sustainable Growth Rate (%)	- -	33.23	38.79	19.91	15.32	21.08	-37.34	83.84	48.65	57.99	11.7	31.71	38.63	54.68

Credit (USD)

API ChatGPT

	2002 Y	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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-2.3	-1.14	-0.98	-1.36	-4.55	-5.57	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-2.58	-1.29	-1.24	-1.36	-4.55	-5.57	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.14	2.5	3.68	5.18	6.3	2.79	1.11	2.84	3.75	4.44	3.88	2.74	3.16	4.1
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt to Equity	-40.79	-28.78	-26.18	-14.23	-38.18	-51.52	-65.11	-7.29	-10.42	-14.6	-14.86	-15.05	-16.3	-13.05
Net Debt/Capital (%)	-279.98	-876.81	-180.43	-47.53	-434.55	168.74	118.36	-118.03	-117.57	-176.48	-445.84	393.43	533.24	-438.58
EBITDA	11	19	23	10	8	9	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	11	19	23	10	8	9	- -	-1	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	10	17	18	10	8	9	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2002 Y	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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.14	2.5	3.68	5.18	6.3	2.79	1.11	2.84	3.75	4.44	3.88	2.74	3.16	4.1
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	1.61	1.56	2.1	- -	- -	- -	- -	1.83	1.45	1.6	2.6	2.66	1.8	1.78
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	26.8	79.53	- -	444.76	- -	186.07	84.85
Altman's Z-Score	0.11	0.11	0.13	0.12	0.24	0.19	0.05	0.17	0.16	0.17	0.12	0.14	0.14	0.09

Working Capital (USD)

API ChatGPT

	2002 Y	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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	2.26	2.19	1.55	2.67	3.08	-0.66	7.95	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	161.58	166.85	235.09	136.6	118.52	-556.9	45.93	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2002 Y	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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	118	119	56	152	144	144	100	135	135	- -
- Cash & Cash Equivalents	25	21	23	13	38	53	60	18	27	43	45	48	54	47
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	34	24	35	41	46	22	9	33	50	68	55	35	44	58
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	118	119	56	152	144	144	100	135	135	130
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	20	23	23	14	13	14	-5	35	40	57	23	33	34	50
TTM EBITDA	11	19	23	10	8	9	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	10	17	18	10	8	9	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	12	14	18	- -	- -	- -	- -	17	16	20	29	26	19	19
TTM Free Cash Flow to Firm	12	14	18	- -	- -	- -	- -	17	16	20	29	26	19	19

Multiples (USD)

API ChatGPT

	2002 Y	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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	8.88	9.01	7.3	3.45	5.18	7.08	6.9
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Low Price	- -	- -	- -	- -	425	415	205	534	505	545	401	399	400.02	452.01
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	17.54	16.59	- -	7.17	5.94	3.73	8.63	7.16	6.76	- -
Price/Earnings Average	- -	- -	- -	- -	17.06	16.3	-18.05	6.7	5.94	3.72	12.49	6.05	5.85	- -
Price/Earnings High	- -	- -	- -	- -	18.24	17.64	-20.65	7.17	9.87	3.9	13.98	9.28	8.4	- -
Price/Earnings Low	- -	- -	- -	- -	15.82	14.49	-8.91	6.28	5.22	3.54	8.63	5.29	5	- -
Price/Book Value	- -	- -	- -	- -	2.54	5.51	6.08	4.69	2.85	2.12	1.82	3.8	3.08	- -
Price/Book Value Average	- -	- -	- -	- -	2.47	5.41	11.21	4.38	2.85	2.12	2.63	3.21	2.67	- -
Price/Book Value High	- -	- -	- -	- -	2.64	5.86	12.83	4.69	4.73	2.22	2.95	4.93	3.83	- -
Price/Book Value Low	- -	- -	- -	- -	2.29	4.82	5.54	4.1	2.5	2.01	1.82	2.81	2.28	- -
Price/Tangible Book Value	- -	- -	- -	- -	1.19	1.16	0.61	0.63	0.55	0.49	0.33	0.43	0.41	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	1.16	1.14	1.13	0.59	0.55	0.48	0.48	0.36	0.35	- -
Price/Tangible Book Value High	- -	- -	- -	- -	1.24	1.23	1.3	0.63	0.91	0.51	0.54	0.55	0.51	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	1.08	1.01	0.56	0.55	0.48	0.46	0.33	0.32	0.3	- -
Price/Sales	- -	- -	- -	- -	9.39	8.55	-10.39	4.36	3.63	2.51	4.29	4.14	3.97	- -
Price/Sales Average	- -	- -	- -	- -	9.14	8.4	-19.16	4.08	3.62	2.5	6.21	3.5	3.43	- -
Price/Sales High	- -	- -	- -	- -	9.77	9.09	-21.93	4.36	6.02	2.62	6.95	5.37	4.94	- -
Price/Sales Low	- -	- -	- -	- -	8.48	7.47	-9.46	3.82	3.18	2.38	4.29	3.06	2.93	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	9.21	9.12	7.3	3.45	5.18	7.12	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	8.61	9.11	7.27	5	4.38	6.16	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	9.21	15.15	7.61	5.6	6.71	8.86	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	8.06	8.01	6.92	3.45	3.83	5.26	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	8.3	9	7.27	4.99	4.38	6.13	6.79
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	8.88	14.96	7.61	5.58	6.71	8.81	10
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	7.77	7.91	6.92	3.45	3.83	5.24	5.99
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	471	475	225	610	575	575	401	539.99	541	521
High Price	- -	- -	- -	- -	490	505	475	610	955	600	650	700	673	755
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Shares Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	81.02	91.58	91.68	57.67	50.14	55.53	-21.66	139.76	158.59	228.88	93.53	130.36	136.32	- -
EBITDA per Share	43.77	75.14	92.32	39.03	33.14	37.99	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	38.99	66.43	73.45	39.03	33.14	37.99	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	28.22	44	51.82	30.49	26.86	28.63	-23	85.05	96.74	154.02	46.49	75.46	80.08	- -
Basic EPS from Cont Ops	28.22	44	51.82	30.49	26.86	28.63	-23	85.05	96.74	154.02	46.49	75.46	80.08	- -
Diluted EPS, GAAP	28.22	44	51.82	30.49	26.86	28.63	-23	85.05	96.74	154.02	46.49	75.46	80.08	130.21
Diluted EPS from Cont Ops	28.22	44	51.82	30.49	26.86	28.63	-23	85.05	96.74	154.02	46.49	75.46	80.08	130.21
Dividend per Share	5	5.5	6	- -	- -	- -	- -	15	16	17	17.75	18	18.75	- -
Cash Flow per Share	49.19	54.7	73.2	- -	- -	- -	- -	66.22	63.03	78.8	116.13	104.25	75.99	- -
Free Cash Flow per Basic Share	49.19	54.7	73.2	- -	- -	- -	- -	63.75	62.24	78.8	115.87	104.25	75.58	- -
Cash & Equivalents per Share	100.66	85.38	90.81	53.2	150.79	211.57	238.7	70.43	109.05	172.82	180.11	190.32	216.05	- -
Book Value per Share	136.61	95.12	141.14	165.13	185.49	86.18	37.02	130.1	201.79	270.75	220.5	141.95	175.54	- -
Tangible Book Value per Share	246.8	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	- -

Bank of Utica

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)