Adirondack Trust (ADKT) Stock Overview

Provides various banking products and services to individuals and businesses in New York. More details

ADKT fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 62.1% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($78M)

ADKT Community Fair Values

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The Adirondack Trust Company Competitors

Price History & Performance

Summary of share price highs, lows and changes for Adirondack Trust
Historical stock prices
Current Share Price	US$1,010.75
52 Week High	US$1,225.00
52 Week Low	US$1,010.75
Beta	-0.28
1 Month Change	-12.11%
3 Month Change	-6.15%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	-38.37%
Change since IPO	910.75%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	ADKT	US Banks	US Market
7D	0%	-2.2%	-0.5%
1Y	n/a	26.3%	11.7%

Return vs Industry: Insufficient data to determine how ADKT performed against the US Banks industry.

Return vs Market: Insufficient data to determine how ADKT performed against the US Market.

Price Volatility

Is ADKT's price volatile compared to industry and market?
ADKT volatility
ADKT Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	6.4%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.2%

Stable Share Price: ADKT's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine ADKT's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1901	n/a	Charles Wait	www.adirondacktrust.com

The Adirondack Trust Company provides various banking products and services to individuals and businesses in New York. The company offers checking and savings accounts, direct deposits, and reorder checks; home mortgage, home equity, auto, personal, and term loans, as well as lines of credit, SBA lending products, construction and development financing, and commercial real estate loans; and fixed-rate and adjustable-rate mortgages, home refinance, and home equity line of credit, as well as mortgages for first-time homebuyers. It also provides debit and credit cards; workplace banking services; overdraft checking services; mobile and online banking services; merchant processing services; mobile check deposits; and wire transfer, night depository, and ACH origination services.

The Adirondack Trust Company Fundamentals Summary

How do Adirondack Trust's earnings and revenue compare to its market cap?
ADKT fundamental statistics
Market cap	US$77.74m
Earnings (TTM)	US$12.03m
Revenue (TTM)	US$66.69m

6.5x

P/E Ratio

0.5x

P/B Ratio

Is ADKT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ADKT income statement (TTM)
Revenue	US$66.69m
Cost of Revenue	US$0
Gross Profit	US$66.69m
Other Expenses	US$54.66m
Earnings	US$12.03m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	156.39
Gross Margin	100.00%
Net Profit Margin	18.04%
Debt/Equity Ratio	1.5%

How did ADKT perform over the long term?

See historical performance and comparison

Dividends

5.8%

Current Dividend Yield

37%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/07/13 05:38
End of Day Share Price	2025/06/30 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

The Adirondack Trust Company is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.