Added to YB: 2026-02-23
Pitch date: 2026-02-19
BKUTK [bullish]
Bank of Utica
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Company Info
Bank of Utica, together with its subsidiary, provides commercial banking products and services in Utica, New York.
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Paying 44 Cents for a Dollar - Bank of Utica
BKUTK: 98-yr family bank, 23.9% equity/assets, $1.39B assets, 1 branch, 43 employees. Trades $582 vs $1,325 BV (44¢/$). 13.8% earnings yield, 7.2x P/E vs peers 12-14x. 90+ yr uncut dividend streak, 3.4% yield, 23% payout ratio. 12% loan/deposit ratio, securities-focused, 0.43% Texas Ratio, $1.4M NPLs. Base case: $850-1,100 (+46-89%). Risks: illiquid (28 shrs/day), non-voting, no catalyst.
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