Bank Utica Ny Nonvtg
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, s… Read more
Bank Utica Ny Nonvtg (BKUTK) - Net Assets
Latest net assets as of December 2008: $91.65 Million USD
Based on the latest financial reports, Bank Utica Ny Nonvtg (BKUTK) has net assets worth $91.65 Million USD as of December 2008.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($836.03 Million) and total liabilities ($744.38 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $91.65 Million |
| % of Total Assets | 10.96% |
| Annual Growth Rate | 7.94% |
| 5-Year Change | 26.67% |
| 10-Year Change | 254.67% |
| Growth Volatility | 43.88 |
Bank Utica Ny Nonvtg - Net Assets Trend (2002–2024)
This chart illustrates how Bank Utica Ny Nonvtg's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Bank Utica Ny Nonvtg (2002–2024)
The table below shows the annual net assets of Bank Utica Ny Nonvtg from 2002 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $331.39 Million | +4.85% |
| 2023-12-31 | $316.06 Million | +4.29% |
| 2022-12-31 | $303.05 Million | +2.43% |
| 2021-12-31 | $295.86 Million | +13.09% |
| 2020-12-31 | $261.61 Million | +8.36% |
| 2019-12-31 | $241.42 Million | +163.42% |
| 2008-12-31 | $91.65 Million | -10.73% |
| 2007-12-31 | $102.66 Million | +3.98% |
| 2006-12-31 | $98.74 Million | +5.67% |
| 2005-12-31 | $93.44 Million | +7.75% |
| 2004-12-31 | $86.72 Million | +16.93% |
| 2003-12-31 | $74.16 Million | +20.20% |
| 2002-12-31 | $61.70 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bank Utica Ny Nonvtg's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 33.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $38.88 Million | 11.73% |
| Common Stock | $5.00 Million | 1.51% |
| Other Components | $287.51 Million | 86.76% |
| Total Equity | $331.39 Million | 100.00% |
Bank Utica Ny Nonvtg Competitors by Market Cap
The table below lists competitors of Bank Utica Ny Nonvtg ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
General Biologicals Corporation
TWO:4117
|
$4.59 Million |
|
Lixiang Education Holding Co Ltd
NASDAQ:LXEH
|
$4.59 Million |
|
FASING SA
WAR:FSG
|
$4.59 Million |
|
Sidomulyo Selaras Tbk
JK:SDMU
|
$4.59 Million |
|
Jerusalem
TA:JBNK
|
$4.59 Million |
|
Bodhi Tree Multimedia Limited
NSE:BTML
|
$4.59 Million |
|
GREENROC MINING LS-001
F:3WF
|
$4.59 Million |
|
Wilson Bayly Holmes Ovcon Ltd
JSE:WBO
|
$4.58 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank Utica Ny Nonvtg's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 316,059,935 to 331,392,116, a change of 15,332,181 (4.9%).
- Net income of 20,019,681 contributed positively to equity growth.
- Dividend payments of 4,687,500 reduced retained earnings.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $20.02 Million | +6.04% |
| Dividends Paid | $4.69 Million | -1.41% |
| Total Change | $- | 4.85% |
Book Value vs Market Value Analysis
This analysis compares Bank Utica Ny Nonvtg's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.38x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.03x to 0.38x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $246.80 | $500.30 | x |
| 2003-12-31 | $296.66 | $500.30 | x |
| 2004-12-31 | $346.87 | $500.30 | x |
| 2005-12-31 | $373.74 | $500.30 | x |
| 2006-12-31 | $394.95 | $500.30 | x |
| 2007-12-31 | $410.65 | $500.30 | x |
| 2008-12-31 | $366.60 | $500.30 | x |
| 2019-12-31 | $965.70 | $500.30 | x |
| 2020-12-31 | $1046.43 | $500.30 | x |
| 2021-12-31 | $1183.45 | $500.30 | x |
| 2022-12-31 | $1212.19 | $500.30 | x |
| 2023-12-31 | $1264.24 | $500.30 | x |
| 2024-12-31 | $1325.57 | $500.30 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank Utica Ny Nonvtg utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 6.04%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 58.74%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 4.19x
- Recent ROE (6.04%) is below the historical average (7.98%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 11.43% | 15.49% | 0.06x | 13.36x | $884.90K |
| 2003 | 14.83% | 24.73% | 0.05x | 12.82x | $3.58 Million |
| 2004 | 14.94% | 30.79% | 0.04x | 11.05x | $4.28 Million |
| 2005 | 8.16% | 21.55% | 0.04x | 8.53x | $-1.72 Million |
| 2006 | 6.80% | 19.23% | 0.05x | 7.45x | $-3.16 Million |
| 2007 | 6.97% | 19.41% | 0.05x | 7.53x | $-3.11 Million |
| 2008 | -6.27% | -32.29% | 0.02x | 9.12x | $-14.91 Million |
| 2019 | 8.81% | 42.61% | 0.04x | 4.74x | $-2.88 Million |
| 2020 | 9.24% | 44.48% | 0.04x | 5.14x | $-1.98 Million |
| 2021 | 13.01% | 54.68% | 0.05x | 5.16x | $8.92 Million |
| 2022 | 3.83% | 32.25% | 0.03x | 4.69x | $-18.68 Million |
| 2023 | 5.97% | 38.53% | 0.04x | 4.10x | $-12.74 Million |
| 2024 | 6.04% | 58.74% | 0.02x | 4.19x | $-13.12 Million |
Industry Comparison
This section compares Bank Utica Ny Nonvtg's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank Utica Ny Nonvtg (BKUTK) | $91.65 Million | 11.43% | 8.12x | $4.59 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |