Bank of Utica Financial Ratios — BKUTK 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	0.14	0.14	0.17	0.17	0.23	0.17	0.03	0.14	0.13	0.15	0.12	0.11	0.13	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	30	48	57	54	99	92	39	109	99	113	97	91	125	- -
- 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	30	48	57	54	99	92	39	109	99	113	97	91	125	129
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	2.45	3.48	3.11	- -	- -	- -	- -	6.36	6.19	5.74	3.35	3.5	6.54	6.85
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Low Price	180	222	364	385	360	340	151	412	260	389.25	325.01	305	325.5	435.75
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	4.27	4.32	4.39	7.05	14.71	12.89	- -	5.14	4.08	2.93	8.38	4.84	6.24	- -
Price/Earnings Average	3.77	3.33	4.12	7.26	11.49	13.18	-15	5.17	4.01	2.91	9.08	4.92	5.01	- -
Price/Earnings High	8.26	8.34	8.68	15.25	15.82	13.97	-17.39	5.88	4.6	3.24	10.43	5.49	6.47	- -
Price/Earnings Low	6.38	5.05	7.02	12.63	13.4	11.87	-6.57	4.84	2.69	2.53	6.99	4.04	4.06	- -
Price/Book Value	0.88	2	1.61	1.3	2.13	4.28	4.24	3.36	1.96	1.67	1.77	2.57	2.85	- -
Price/Book Value Average	0.78	1.54	1.51	1.34	1.66	4.38	9.32	3.38	1.92	1.66	1.91	2.62	2.29	- -
Price/Book Value High	1.71	3.86	3.19	2.82	2.29	4.64	10.8	3.84	2.21	1.84	2.2	2.92	2.95	- -
Price/Book Value Low	1.32	2.33	2.58	2.33	1.94	3.95	4.08	3.17	1.29	1.44	1.47	2.15	1.85	- -
Price/Tangible Book Value	0.49	0.64	0.66	0.58	1	0.9	0.43	0.45	0.38	0.38	0.32	0.29	0.38	- -
Price/Tangible Book Value Average	0.43	0.49	0.62	0.59	0.78	0.92	0.94	0.45	0.37	0.38	0.35	0.29	0.3	- -
Price/Tangible Book Value High	0.94	1.24	1.3	1.24	1.08	0.97	1.09	0.52	0.43	0.42	0.4	0.33	0.39	- -
Price/Tangible Book Value Low	0.73	0.75	1.05	1.03	0.91	0.83	0.41	0.43	0.25	0.33	0.27	0.24	0.25	- -
Price/Sales	1.49	2.08	2.48	3.73	7.88	6.65	-7.25	3.13	2.49	1.97	4.16	2.8	3.67	- -
Price/Sales Average	1.31	1.6	2.33	3.84	6.15	6.8	-15.92	3.14	2.45	1.96	4.51	2.85	2.94	- -
Price/Sales High	2.88	4.01	4.91	8.06	8.48	7.2	-18.46	3.58	2.81	2.18	5.19	3.18	3.8	- -
Price/Sales Low	2.22	2.42	3.97	6.68	7.18	6.12	-6.97	2.95	1.64	1.7	3.47	2.34	2.39	- -
Price/Cash Flow	2.45	3.48	3.11	- -	- -	- -	- -	6.6	6.27	5.74	3.35	3.5	6.58	- -
Price/Cash Flow Average	2.16	2.68	2.91	- -	- -	- -	- -	6.64	6.16	5.7	3.63	3.56	5.28	- -
Price/Cash Flow High	4.74	6.71	6.15	- -	- -	- -	- -	7.55	7.06	6.33	4.18	3.97	6.82	- -
Price/Cash Flow Low	3.66	4.06	4.97	- -	- -	- -	- -	6.22	4.13	4.94	2.8	2.93	4.28	- -
Price/Free Cash Flow Average	2.16	2.68	2.91	- -	- -	- -	- -	6.4	6.08	5.7	3.62	3.56	5.25	6.53
Price/Free Cash Flow High	4.74	6.71	6.15	- -	- -	- -	- -	7.28	6.97	6.33	4.17	3.97	6.78	7.16
Price/Free Cash Flow Low	3.66	4.06	4.97	- -	- -	- -	- -	6	4.07	4.94	2.79	2.93	4.26	5.77
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	120.43	190.22	227.39	214.91	395	369	157	437	395	452	389.5	365	500	517
High Price	233	367	450	465	425	400	400	500	445	499	485	413.99	518	540
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)