Bank of Utica BKUT | OTC

Dividends

Company Overview:

Market Cap: $171.25M
Trailing PE: —
FWD PE: —
Payout Ratio (TTM): —
52-Week Range: $510.00 - $722.77

10 Year BKUT Performance Metrics:

Total Return (with DRIP): 95.5% (6.94% CAGR)
Total Return (no DRIP): 79.4% (6.02% CAGR)
Share Price: 45.7% (3.84% CAGR)
Yield on Cost (with DRIP): 5.56%
Total Invested: $10,000
Total Value (with DRIP): $19,548
Total Return $ (with DRIP): $9,548
Dividend Increase: 42.3% (3.78% CAGR)
Dividend Yield (FWD): 2.85% ($19.50)
BKUT 10-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
BKUT Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
BKUT Price CAGR:1Y: 34.31%2Y: 20.09%5Y: 2.68%10Y: 3.84%
BKUT Dividend Charts
BKUT - Dividends
BKUT Dividend CAGR:1Y: 2.63%2Y: 2.67%5Y: 3.40%10Y: 4.30%
BKUT - Dividend Payout Ratio
BKUT Dividend Payout Ratio CAGR:1Y: 461.98%2Y: 0.00%5Y: 0.00%10Y: 0.00%
BKUT - Dividend to Free Cash Flow Ratio
BKUT Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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BKUT - Chart 1
BKUT - Chart 2
BKUT - Chart 3

BKUT Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

Revenue
BKUT Revenue CAGR:1Y: 107.02%2Y: 45.82%5Y: 5.28%10Y: 0.00%
Earnings Per Share (EPS)
BKUT EPS CAGR:1Y: -81.68%2Y: -61.24%5Y: -28.48%10Y: 0.00%
Net Income
BKUT Net Income CAGR:1Y: -81.72%2Y: -61.29%5Y: -28.52%10Y: 0.00%
EBITDA
BKUT EBITDA CAGR:1Y: -64.37%2Y: -40.45%5Y: -23.37%10Y: 0.00%
Free Cash Flow
BKUT Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Free Cash Flow / Share
BKUT Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Operating Income
BKUT Operating Income CAGR:1Y: -64.37%2Y: -40.45%5Y: -23.37%10Y: 0.00%
Gross Profit
BKUT Gross Profit CAGR:1Y: -18.87%2Y: -8.71%5Y: -12.71%10Y: 0.00%
Shares Outstanding
BKUT Shares Outstanding CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Share Buybacks
BKUT Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Stock-Based Comp
BKUT Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Expenses
BKUT Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue vs Net Income
EPS vs FCF / Share
EPS vs PE Ratio
FCF vs FCF / Share
FCF vs Stock Based Comp
Cash & Debt

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

REVENUE: Actual + Estimates
BKUT Actual Revenue CAGR:1Y: 107.02%2Y: 45.82%5Y: 5.28%10Y: 0.00%
EPS: Actual + Estimates
BKUT Actual EPS CAGR:1Y: -81.68%2Y: -61.24%5Y: -28.48%10Y: 0.00%
NET INCOME: Actual + Estimates
BKUT Actual Net Income CAGR:1Y: -81.72%2Y: -61.29%5Y: -28.52%10Y: 0.00%
EBITDA: Actual + Estimates
BKUT Actual EBITDA CAGR:1Y: -64.37%2Y: -40.45%5Y: -23.37%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

Net Profit Margin
BKUT Net Profit Margin CAGR:1Y: -91.16%2Y: -73.45%5Y: -32.10%10Y: 0.00%
Gross Profit Margin
BKUT Gross Profit Margin CAGR:1Y: -60.81%2Y: -37.40%5Y: -17.08%10Y: 0.00%
Price to Earnings
BKUT Price to Earnings CAGR:1Y: 233.53%2Y: 94.97%5Y: 27.00%10Y: 0.00%
Price To Sales Ratio
BKUT Price To Sales Ratio CAGR:1Y: -70.55%2Y: -48.24%5Y: -13.77%10Y: 0.00%
Return on Capital Employed
BKUT Return on Capital Employed CAGR:1Y: 199.17%2Y: 68.33%5Y: 22.26%10Y: 0.00%
Return on Invested Capital
BKUT Return on Invested Capital CAGR:1Y: 43.88%2Y: 5.24%5Y: 11.94%10Y: 0.00%

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BKUT Dividends Info:

Annual Dividend: $19.5
Forward Yield: 2.85%
Ex-Dividend Date: 2026-06-30
Lifetime Dividends / Share: $298.80

Projected Future Returns & Dividends for BKUT

Based on past 10-year performance, here are BKUT growth metrics:

Share price CAGR of +3.84%
Dividend CAGR of +4.3%

Using BKUT CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

BKUT (DRIP)BKUT - No DRIP
Current Price$684.99$684.99
Start Shares14.6014.60
Start Value$10,000$10,000
  
After 10 years:
Final Share Count19.4814.60
Dividends Payment$14.85$14.85
Annual Dividends$579$434
Yield on cost5.79%4.34%
Share Price$998.32$998.32
Total Dividends$4,024$3,466
Final Value$19,445$18,040

Estimated Future Value + Dividends - BKUT

NOTE: Above numbers are our estimate based on BKUT's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

Is BKUT's dividend safe, and what is BKUT worth?

Pro adds BKUT's Dividend Safety Rating, its DCF fair value and the Trend Signal to this page and opens the 26 blurred charts above.

Show BKUT's rating and fair value

Company Info

Bank of Utica (BKUT) had its IPO on 2000-02-01, and is traded on OTC stock exchange.

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.

BKUT website: https://www.bankofutica.com


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DCF Model — BKUT

Value from:
Pay up to today
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vs current price $684.99
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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
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grows for the next years
Then mature
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every future dollar counted back to today
Pile of today-dollars
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÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →