Bank of Utica
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$668.00
FAIR PRICE
$458.98
MARGIN
$209.02
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FPI RATING
Strong profitability and attractive valuation, but limited growth momentum and volatile earnings pattern.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$367.18
Fair price × 0.80
DISTANCE
45.0%
Price to entry level
At the current price of $668.00, BKUT trades 45.0% above the conservative entry level of $367.18. This entry level represents a 20% margin of safety below the calculated fair price of $458.98 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate BKUT's fair price
Bank of Utica's fair price of $458.98 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $668.00, BKUT trades 31.3% above its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting BKUT's risk profile.
RELATIVE · 30%
Comparing BKUT's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for BKUT, weighted by recency and analyst accuracy.
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Want to test your own assumptions? Use our free calculators to estimate BKUT's fair value with your own inputs.
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What is the fair price of BKUT?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Bank of Utica is $458.98. At the current market price of $668.00, BKUT trades 31.3% above its calculated fair value.
Is BKUT overvalued or undervalued?+
Bank of Utica is currently overvalued based on our valuation model. The stock trades at $668.00, which is 31.3% above the fair price of $458.98. The P/E ratio of 8.3x is a key metric in the valuation.
What is the margin of safety for BKUT?+
With a 20% margin of safety applied to the fair price of $458.98, the conservative entry level for BKUT is $367.18. At the current market price of $668.00, the stock trades 45.0% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is BKUT's fair price updated?+
We update fair price calculations for BKUT daily after market close. The current fair price of $458.98 incorporates the latest market data and sector multiples.
What factors affect BKUT's fair price calculation?+
BKUT's fair price of $458.98 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 8.3x, and dividend yield of 2.88%.
Is BKUT a good buy right now?+
At $668.00, BKUT trades 31.3% above our fair value estimate of $458.98. The stock is currently overvalued. Fair Price Index provides valuation data — always do your own research before investing.
Does BKUT pay dividends?+
BKUT has a dividend yield of 2.88%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.