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BKUTK
Bank of Utica·Banks - Regional·United States
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 ch...
1 Total1 External0 In-site
BKUTKBank of Utica
2026-02-19🏦 Financial ServicesPitch
Externalby Dirt Cheap Banks · Substack
Dirt Cheap Banks on Bank of Utica (BKUTK)
主要经营地
Utica, New York（美国）
详细的生意模式
社区银行：存贷+证券组合；偏保守资产负债表
护城河
本地关系与存款稳定性；同质化强
网络观点
🟢 以约0.44买1美元账面价值；股息稳定；折价有望收敛
AI的观点
✅小银行深价值：常见驱动=利率导致证券浮亏被市场过度惩罚
✅核对：证券久期与未实现亏损、存款稳定性、资本充足率、贷款质量
⚠️流动性差且催化剂弱，适合长期折价收敛思路
作者简介
专业❌否；顶级❌否；13F❌否；回报0.6% (7 trades)；@dirtcheapbanks