Bank of Utica (BKUT) Ratios

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Bank of Utica Ratios

See a summary of BKUT’s cash flow.

Ratios	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	―	0.00	0.06	0.06	0.05
Quick Ratio	―	0.00	0.06	0.06	0.05
Cash Ratio	―	0.00	0.05	0.05	0.04
Solvency Ratio	―	0.03	0.02	0.02	0.01
Operating Cash Flow Ratio	―	0.00	0.02	0.03	0.03
Short-Term Operating Cash Flow Coverage	―	0.00	0.00	0.00	0.00
Net Current Asset Value	$ ―	$ -988.03M	$ -991.78M	$ -920.50M	$ -1.06B
Leverage Ratios
Debt-to-Assets Ratio	―	0.00	0.00	0.00	0.00
Debt-to-Equity Ratio	―	0.00	0.00	0.00	0.00
Debt-to-Capital Ratio	―	0.00	0.00	0.00	0.00
Long-Term Debt-to-Capital Ratio	―	0.00	0.00	0.00	0.00
Financial Leverage Ratio	―	3.92	4.19	4.10	4.69
Debt Service Coverage Ratio	―	1.23	0.88	1.21	1.03
Interest Coverage Ratio	―	1.49	1.05	1.43	1.07
Debt to Market Cap	―	0.00	0.00	0.00	0.00
Interest Debt Per Share	―	108.57	95.09	65.51	50.61
Net Debt to EBITDA	―	-1.14	-2.11	-1.95	-3.03
Profitability Margins
Gross Profit Margin	―	64.74%	100.00%	66.56%	64.89%
EBIT Margin	―	52.58%	72.58%	47.94%	37.46%
EBITDA Margin	―	53.49%	75.00%	49.86%	41.24%
Operating Profit Margin	―	52.58%	73.00%	47.94%	37.46%
Pretax Profit Margin	―	52.58%	72.58%	47.94%	37.46%
Net Profit Margin	―	42.29%	58.74%	38.53%	32.25%
Continuous Operations Profit Margin	―	42.29%	58.74%	38.53%	32.25%
Net Income Per EBT	―	80.43%	80.93%	80.36%	86.10%
EBT Per EBIT	―	100.00%	99.42%	100.00%	100.00%
Return on Assets (ROA)	―	2.31%	1.44%	1.46%	0.82%
Return on Equity (ROE)	―	9.06%	6.04%	5.97%	3.83%
Return on Capital Employed (ROCE)	―	2.88%	6.92%	6.87%	4.13%
Return on Invested Capital (ROIC)	―	2.31%	5.60%	5.52%	3.55%
Return on Tangible Assets	―	2.31%	1.44%	1.46%	0.82%
Earnings Yield	―	24.99%	14.80%	13.97%	11.59%
Efficiency Ratios
Receivables Turnover	―	6.33	2.89	4.52	3.15
Payables Turnover	―	0.00	0.00	11.38	15.33
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	5.28	2.27	3.11	2.16
Asset Turnover	―	0.05	0.02	0.04	0.03
Working Capital Turnover Ratio	―	-0.17	-0.04	-0.05	-0.03
Cash Conversion Cycle	―	57.64	126.15	48.73	91.95
Days of Sales Outstanding	―	57.64	126.15	80.80	115.77
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	0.00	32.07	23.82
Operating Cycle	―	57.64	126.15	80.80	115.77
Cash Flow Ratios
Operating Cash Flow Per Share	―	74.59	75.42	104.25	116.13
Free Cash Flow Per Share	―	73.71	75.01	104.25	115.87
CapEx Per Share	―	0.88	0.41	<0.01	0.26
Free Cash Flow to Operating Cash Flow	―	0.99	0.99	1.00	1.00
Dividend Paid and CapEx Coverage Ratio	―	3.71	3.94	5.79	6.45
Capital Expenditure Coverage Ratio	―	84.84	184.66	8.69M	444.76
Operating Cash Flow Coverage Ratio	―	0.00	0.00	0.00	0.00
Operating Cash Flow to Sales Ratio	―	0.24	0.55	0.53	0.81
Free Cash Flow Yield	―	14.15%	13.86%	19.31%	28.90%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	4.00	6.76	7.16	8.63
Price-to-Sales (P/S) Ratio	―	1.69	3.97	2.76	2.78
Price-to-Book (P/B) Ratio	―	0.36	0.41	0.43	0.33
Price-to-Free Cash Flow (P/FCF) Ratio	―	7.07	7.21	5.18	3.46
Price-to-Operating Cash Flow Ratio	―	6.99	7.17	5.18	3.45
Price-to-Earnings Growth (PEG) Ratio	―	0.06	1.10	0.11	-0.12
Price-to-Fair Value	―	0.36	0.41	0.43	0.33
Enterprise Value Multiple	―	2.02	3.18	3.58	3.72
Enterprise Value	―	83.37M	81.24M	87.42M	55.22M
EV to EBITDA	―	2.02	3.18	3.58	3.72
EV to Sales	―	1.08	2.38	1.79	1.53
EV to Free Cash Flow	―	4.52	4.33	3.35	1.91
EV to Operating Cash Flow	―	4.47	4.31	3.35	1.90
Tangible Book Value Per Share	―	1.44K	1.33K	1.26K	1.21K
Shareholders’ Equity Per Share	―	1.44K	1.33K	1.26K	1.21K
Tax and Other Ratios
Effective Tax Rate	―	0.20	0.19	0.20	0.14
Revenue Per Share	―	307.93	136.32	195.87	144.14
Net Income Per Share	―	130.21	80.08	75.46	46.49
Tax Burden	―	0.80	0.81	0.80	0.86
Interest Burden	―	1.00	1.00	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.09	0.27	0.00	0.00
Stock-Based Compensation to Revenue	―	0.00	0.00	0.00	0.00
Income Quality	―	0.57	0.94	1.38	2.50

Currency in USD