OTCPK:ADKT

Stock Analysis Report

Executive Summary

The Adirondack Trust Company provides banking and financial services to individuals and businesses in New York.

Snowflake

Fundamentals

Proven track record with adequate balance sheet.

Risks

  • Adirondack Trust's last earnings update was 182 days ago.
  • Adirondack Trust is not covered by any analysts.

Similar Companies

Share Price & News

How has Adirondack Trust's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:ADKT

-2.6%

US Banks

-1.0%

US Market


1 Year Return

5.6%

OTCPK:ADKT

-14.2%

US Banks

-0.4%

US Market

ADKT outperformed the Banks industry which returned -14.2% over the past year.

ADKT outperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

ADKTIndustryMarket
7 Day0%-2.6%-1.0%
30 Day5.3%-6.3%-3.3%
90 Dayn/a-3.5%0.8%
1 Year9.1%5.6%-11.8%-14.2%1.9%-0.4%
3 Year28.8%17.2%42.2%32.4%39.4%30.4%
5 Year15.7%-1.1%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Adirondack Trust's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Adirondack Trust undervalued based on future cash flows and its price relative to the stock market?

10.65x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Adirondack Trust to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Adirondack Trust to establish if it is available at substantial discount.


Price Based on Earnings

Adirondack Trust is good value based on earnings compared to the US Banks industry average.

Adirondack Trust is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Adirondack Trust, we can't assess if its growth is good value.


Price Based on Value of Assets

Adirondack Trust is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Adirondack Trust expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

8.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Adirondack Trust is high growth as no revenue estimate data is available.

Adirondack Trust's earnings are expected to grow by 8% yearly, however this is not considered high growth (20% yearly).

Unable to compare Adirondack Trust's revenue growth to the United States of America market average as no estimate data is available.

Adirondack Trust's earnings growth is positive but not above the United States of America market average.

Adirondack Trust's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Adirondack Trust will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Adirondack Trust performed over the past 5 years?

13.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Adirondack Trust's year on year earnings growth rate has been positive over the past 5 years.

Adirondack Trust's 1-year earnings growth exceeds its 5-year average (61.1% vs 13.1%)

Adirondack Trust's earnings growth has exceeded the US Banks industry average in the past year (61.1% vs 33.2%).


Return on Equity

Adirondack Trust has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Adirondack Trust used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Adirondack Trust improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Adirondack Trust's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Adirondack Trust has an acceptable proportion of non-loan assets held.

Unable to establish if Adirondack Trust has a sufficient allowance for bad loans without relevant financial data.

Adirondack Trust's liabilities are made up of primarily low risk sources of funding.

Adirondack Trust's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Adirondack Trust are broadly funded by customer deposits.

Unable to establish if Adirondack Trust has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Adirondack Trust's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Adirondack Trust's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Adirondack Trust's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Adirondack Trust has not reported any payouts.

Unable to verify if Adirondack Trust's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Adirondack Trust has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Adirondack Trust's salary, the management and board of directors tenure and is there insider trading?

3.3yrs

Average management tenure


CEO

Stephan Von Schenk

Mr. Stephan R. Von Schenk, serves as President, CEO and Director of Adirondack Trust Company. He joined The Adirondack Trust Company ten years ago. He has 30 years of community banking and commercial lendi ...


Management Age and Tenure

3.3yrs

Average Tenure

The tenure for the Adirondack Trust management team is about average.


Board Age and Tenure

6.5yrs

Average Tenure

The tenure for the Adirondack Trust board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Stephan Von Schenk

    President

  • Jack Arnold

    Executive VP

    • Tenure: 13.6yrs
  • Charles Wait

    Executive VP & Director

  • Michael O'Connell

    Executive Vice President

  • Sharon Charbonneau

    VP & Compliance Officer

  • Michael Brodt

    Senior Vice President

    • Tenure: 3.4yrs
  • Edward Hart

    Senior Vice President

  • Kathie Duncan

    President of the North Country Region

  • Matthew D'Abate

    Senior Vice President

    • Tenure: 1.4yrs
  • Lucile Lucas

    Senior Vice President

    • Tenure: 3.3yrs

Board Members

  • Stephan Von Schenk

    President

  • Stephen Sullivan

    Director

  • Philip Glotzbach

    Director

  • Charles Wait

    Executive VP & Director

    • Tenure: 6.5yrs
  • John Hedbring

    Director

  • Douglass Mabee

    Director

  • Tom Roohan

    Director

    • Tenure: 3.4yrs
  • Douglass Mabee

    Director

    • Tenure: 6.5yrs
  • Charlie Wait (68yo)

    Chairman of the Board

    • Tenure: 30.6yrs
  • Susan Dake

    Director

Company Information

The Adirondack Trust Company's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: The Adirondack Trust Company
  • Ticker: ADKT
  • Exchange: OTCPK
  • Founded: 1901
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$131.084m
  • Shares outstanding: 76.84k
  • Website: Click here

Location

  • The Adirondack Trust Company
  • 473 Broadway
  • Saratoga Springs
  • New York
  • 12866
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ADKTOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 1975

Biography

The Adirondack Trust Company provides banking and financial services to individuals and businesses in New York. It offers various personal banking products and services, including checking accounts, passbo ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 23:31
End of Day Share Price2019/08/01 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.