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Bank of Utica

BKUT

(1.8)
Stock Price

541,00 USD

1.59% ROA

6.09% ROE

5.8x PER

Market Cap.

23.207.634,00 USD

0% DER

4.23% Yield

47.2% NPM

Bank of Utica Stock Analysis

Bank of Utica Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of Utica Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

5 ROE

The stock's ROE indicates a negative return (-5.92%) on shareholders' equity, suggesting poor financial performance.

6 ROA

The stock's ROA (-0.69%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

7 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

9 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock seems overpriced (0), indicating a potential drawback for investors as its market price exceeds its estimated intrinsic value.

Bank of Utica Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of Utica Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Bank of Utica Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of Utica Revenue
Year Revenue Growth
2002 20.255.682
2003 22.895.642 11.53%
2004 22.919.725 0.11%
2005 14.418.000 -58.97%
2006 12.536.000 -15.01%
2007 13.882.000 9.7%
2008 12.760.000 -8.79%
2019 34.850.946 63.39%
2020 40.250.990 13.42%
2021 44.353.431 9.25%
2022 42.105.947 -5.34%
2023 39.968.324 -5.35%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of Utica Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of Utica General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 2.427.205
2003 2.620.795 7.39%
2004 2.654.788 1.28%
2005 2.550.000 -4.11%
2006 2.399.000 -6.29%
2007 2.412.000 0.54%
2008 2.572.000 6.22%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of Utica EBITDA
Year EBITDA Growth
2002 10.941.320
2003 18.785.417 41.76%
2004 23.079.250 18.6%
2005 9.758.000 -136.52%
2006 8.284.000 -17.79%
2007 9.498.000 12.78%
2008 3.852.000 -146.57%
2019 1.565.192 -146.1%
2020 1.558.625 -0.42%
2021 1.545.997 -0.82%
2022 1.362.415 -13.47%
2023 938.721 -45.14%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of Utica Gross Profit
Year Gross Profit Growth
2002 20.255.682
2003 22.895.642 11.53%
2004 22.919.725 0.11%
2005 14.418.000 -58.97%
2006 12.536.000 -15.01%
2007 13.882.000 9.7%
2008 12.760.000 -8.79%
2019 34.850.946 63.39%
2020 40.250.990 13.42%
2021 44.353.431 9.25%
2022 42.105.947 -5.34%
2023 39.968.324 -5.35%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of Utica Net Profit
Year Net Profit Growth
2002 7.054.882
2003 11.000.830 35.87%
2004 12.954.814 15.08%
2005 7.623.000 -69.94%
2006 6.715.000 -13.52%
2007 7.158.000 6.19%
2008 1.396.000 -412.75%
2019 21.263.572 93.43%
2020 24.184.222 12.08%
2021 38.504.396 37.19%
2022 11.621.655 -231.32%
2023 18.864.975 38.4%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of Utica Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 28
2003 44 36.36%
2004 52 13.73%
2005 30 -70%
2006 27 -15.38%
2007 29 7.14%
2008 6 -460%
2019 85 94.12%
2020 97 11.46%
2021 154 37.66%
2022 46 -234.78%
2023 75 38.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of Utica Free Cashflow
Year Free Cashflow Growth
2002 11.732.340
2003 13.598.267 13.72%
2004 18.270.130 25.57%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2019 15.936.293 100%
2020 15.558.794 -2.43%
2021 19.699.668 21.02%
2022 28.968.066 32%
2023 26.063.063 -11.15%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of Utica Operating Cashflow
Year Operating Cashflow Growth
2002 12.298.014
2003 13.675.403 10.07%
2004 18.298.581 25.27%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2019 16.553.909 100%
2020 15.756.931 -5.06%
2021 19.699.668 20.01%
2022 29.033.344 32.15%
2023 26.063.063 -11.4%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of Utica Capital Expenditure
Year Capital Expenditure Growth
2002 565.674
2003 77.136 -633.35%
2004 28.451 -171.12%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2019 617.616 100%
2020 198.137 -211.71%
2021 0 0%
2022 65.278 100%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of Utica Equity
Year Equity Growth
2002 61.699.770
2003 74.164.608 16.81%
2004 86.716.538 14.47%
2005 93.436.000 7.19%
2006 98.737.000 5.37%
2007 102.662.000 3.82%
2008 91.650.000 -12.02%
2019 241.423.959 62.04%
2020 261.608.181 7.72%
2021 295.862.577 11.58%
2022 303.046.732 2.37%
2023 316.059.935 4.12%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of Utica Assets
Year Assets Growth
2002 824.141.667
2003 951.097.171 13.35%
2004 958.600.512 0.78%
2005 797.230.000 -20.24%
2006 735.749.000 -8.36%
2007 773.142.000 4.84%
2008 836.028.000 7.52%
2019 1.144.676.723 26.96%
2020 1.345.803.735 14.94%
2021 1.525.658.580 11.79%
2022 1.421.681.513 -7.31%
2023 1.295.212.518 -9.76%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of Utica Liabilities
Year Liabilities Growth
2002 1.515.549
2003 937.089 -61.73%
2004 947.015 1.05%
2005 1.108.000 14.53%
2006 1.282.000 13.57%
2007 1.413.000 9.27%
2008 1.479.000 4.46%
2019 903.252.764 99.84%
2020 1.084.195.554 16.69%
2021 1.229.796.003 11.84%
2022 1.118.634.781 -9.94%
2023 979.152.583 -14.25%

Bank of Utica Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
159.87
Net Income per Share
75.46
Price to Earning Ratio
5.8x
Price To Sales Ratio
0.58x
POCF Ratio
4.2
PFCF Ratio
0.89
Price to Book Ratio
0.35
EV to Sales
-0.61
EV Over EBITDA
-25.96
EV to Operating CashFlow
-0.94
EV to FreeCashFlow
-0.94
Earnings Yield
0.17
FreeCashFlow Yield
1.12
Market Cap
0,02 Bil.
Enterprise Value
-0,02 Bil.
Graham Number
1465.09
Graham NetNet
-4000.93

Income Statement Metrics

Net Income per Share
75.46
Income Quality
1.38
ROE
0.06
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.8
EBT Per Ebit
1
Ebit per Revenue
0.59
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.59
Pretax Profit Margin
0.59
Net Profit Margin
0.47

Dividends

Dividend Yield
0.04
Dividend Yield %
4.23
Payout Ratio
0.24
Dividend Per Share
18.5

Operating Metrics

Operating Cashflow per Share
104.25
Free CashFlow per Share
104.25
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0
Return on Tangible Assets
0.02
Days Sales Outstanding
98.99
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
3.69
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-190,32
Book Value per Share
1.264,24
Tangible Book Value per Share
838.95
Shareholders Equity per Share
1264.24
Interest Debt per Share
65.51
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
-50.69
Current Ratio
0.14
Tangible Asset Value
0,21 Bil.
Net Current Asset Value
-0,92 Bil.
Invested Capital
-222812423
Working Capital
-0,34 Bil.
Intangibles to Total Assets
0.08
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
35168941.5
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of Utica Dividends
Year Dividends Growth
2000 4
2001 2 -100%
2002 5 60%
2003 9 37.5%
2004 6 -33.33%
2005 6 0%
2006 7 0%
2007 7 14.29%
2008 7 0%
2009 8 0%
2010 8 12.5%
2011 9 11.11%
2012 10 10%
2013 11 9.09%
2014 12 0%
2015 13 8.33%
2016 13 7.69%
2017 14 7.14%
2018 15 0%
2019 15 6.67%
2020 16 6.25%
2021 17 5.88%
2022 18 0%
2023 18 5.56%
2024 9 -100%

Bank of Utica Profile

About Bank of Utica

Bank of Utica, together with its subsidiary, provides commercial banking products and services in Utica, New York. The company offers various deposit accounts, including personal checking, business checking, savings, money market, retirement, and health savings accounts; and certificates of deposit. It also provides loans, such as business lines of credit, commercial mortgages, long-term loans, short-term loans, accounts receivable and inventory financing, and federal and NYS government loan programs; and personal loans comprising personal installment loans, vehicle loans, home mortgages, and home equity loans. In addition, the company offers various services that include real-time account balance, funds transfer and management, remote deposit, bill payment, real-time stop payment, check reconciliation, domestic wire transfer, and re-order checks, as well as ACH processing, including payroll; online and mobile banking services; and online bill payment, mobile and direct deposits, and other services. Further, it provides debit and ATM cards, 24/7 telephone banking, and traditional banking services; and invests in securities. Bank of Utica was founded in 1927 and is based in Utica, New York.

CEO
Mr. Tom E. Sinnott
Employee
37
Address
222 Genesee Street
Utica, 13502

Bank of Utica Executives & BODs

Bank of Utica Executives & BODs
# Name Age
1 Mr. David Lashure
Vice President & EDP Manager
70
2 Mr. Tom E. Sinnott
President & Chief Executive Officer
70
3 Ms. Marie L. Bord
Senior Vice President & Chief Operating Officer
70
4 Mr. Brian R. Loughlin
Executive Vice President of Business Banking
70

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