The Adirondack Trust Company (ADKT) Fund Overview
Educational signal · not a buy or sell recommendation · How to read this
P/E 3.28 means the share price is 3.28 times one year of earnings per share.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.5-flash, generated Jun 15, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerThe Adirondack Trust Company (ADKT) trades at $650.25. The Adirondack Trust Company is a regional bank based in Saratoga Springs, New York, offering a comprehensive suite of financial services to individuals and businesses. Sector: Financials.
Price as of · Last analyzed: Jun 15, 2026Analyst Coverage for ADKT: ADKT does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
The Adirondack Trust Company (ADKT) Financial Services Profile
The Adirondack Trust Company, founded in 1901 and based in Saratoga Springs, New York, is a regional bank providing comprehensive financial services. It serves individuals and businesses with traditional banking, diverse loan products, wealth management, and insurance, operating with a market capitalization of $0.05 billion and a P/E ratio of 3.28.
What Is the Investment Thesis for ADKT?
The Adirondack Trust Company presents a profile characterized by its long-standing operational history, diverse service portfolio, and strong regional market presence. Founded in 1901, the company has established deep roots in Saratoga Springs, New York, fostering enduring customer relationships crucial for a regional bank. Its comprehensive offerings, spanning traditional banking, a wide range of loan products, wealth management, and insurance, provide multiple revenue streams and enhance client stickiness. Financially, the company exhibits a P/E ratio of 3.28 and a profit margin of 16.1%, indicating efficient operations relative to its earnings. A gross margin of 79.4% further underscores its profitability at the operational level. The dividend yield of 4.56% suggests a commitment to returning value to shareholders. With a market capitalization of $0.05 billion, The Adirondack Trust Company operates as a focused regional entity, potentially benefiting from localized market expertise and community trust. Its strategy of offering a full suite of financial products positions it to capture a larger share of its customers' financial needs, driving cross-selling opportunities and stable revenue generation within its defined geographic footprint.
Based on FMP financials and quantitative analysis
ADKT Key Highlights
Market capitalization of $0.05 billion reflects its status as a smaller, regionally focused financial institution.
- A P/E ratio of 3.28 indicates a potentially undervalued stock relative to its earnings, especially compared to broader market averages.
- Profit margin of 16.1% demonstrates effective cost management and strong profitability from its core banking and financial services.
- Gross margin of 79.4% highlights the significant revenue generated over the cost of services, showcasing operational efficiency.
- A dividend yield of 4.56% suggests a consistent return to shareholders, potentially appealing to income-focused investors.
Who Are ADKT's Competitors?
ADKT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| USB U.S. Bancorp | $57.51 | +0.26% | $89.6B | 89 5-pillar |
| BBD Banco Bradesco S.A. | $3.65 | +3.99% | $38.6B | 94 5-pillar |
| SHG Shinhan Financial Group Co., Ltd. | $78.03 | +1.87% | $36.9B | 98 5-pillar |
| CIB Grupo Cibest S.A. | $91.91 | +0.91% | $21.8B | 98 5-pillar |
| WF Woori Financial Group Inc. | $75.21 | +2.89% | $18.3B | 98 5-pillar |
| ZIONP Zions Bancorporation, National Association | $17.68 | -2.31% | $9.80B | 90 5-pillar |
| CBC Central Bancompany, Inc. Class A Common Stock | $32.03 | +1.55% | $7.68B | 91 5-pillar |
| UBSI United Bankshares, Inc. | $47.04 | +1.38% | $6.48B | 92 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ADKT's Key Strengths?
Long operational history since 1901, fostering strong community trust and brand recognition.
- Diverse portfolio of services including banking, lending, wealth management, and insurance, providing multiple revenue streams.
- Strong profitability metrics with a 16.1% profit margin and 79.4% gross margin.
- Attractive dividend yield of 4.56%, appealing to income-focused investors.
- Regional focus allows for deep understanding of local market dynamics and personalized customer service.
What Are ADKT's Weaknesses?
Small market capitalization of $0.05 billion, potentially limiting access to capital and scalability.
- Limited geographic diversification, concentrating risks within the New York regional economy.
- OTC market listing may result in lower liquidity and less transparency compared to major exchanges.
- Reliance on traditional banking models, potentially slower to adapt to rapid fintech innovations.
- Unknown disclosure status on the OTC market may deter some institutional investors.
What Are the Key Risks for ADKT?
Adverse changes in interest rates could significantly impact The Adirondack Trust Company's net interest margin and overall profitability, given its core banking operations.
- Intense competition from larger national banks and agile fintech companies could erode market share and pressure margins in its regional market.
- A downturn in the regional economy of New York could lead to increased loan defaults and reduced demand for banking and lending services.
- Regulatory changes in the financial services sector could impose additional compliance costs and operational burdens on the company.
- The inherent risks associated with trading on the 'OTC Other' market, including lower liquidity and limited transparency, could affect investor confidence and share price stability.
What Threats Does ADKT Face?
- Fluctuations in interest rates impacting net interest margin and overall profitability.
- Intense competition from larger national banks, credit unions, and agile fintech companies.
- Evolving regulatory landscape for financial services, potentially increasing compliance costs.
- Economic downturns or regional economic stagnation affecting loan demand and credit quality.
- Cybersecurity risks and data breaches, which could erode customer trust and incur significant costs.
What Are ADKT's Competitive Advantages?
- Deep-rooted local market expertise and strong community ties cultivated since 1901, fostering trust and loyalty.
- Comprehensive suite of financial services, including banking, lending, wealth management, and insurance, creating a 'one-stop-shop' for clients.
- Established brand reputation and long operational history in Saratoga Springs, New York, enhancing customer retention.
- Personalized customer service typical of regional banks, differentiating it from larger, more impersonal national institutions.
- Diversified revenue streams from both interest-bearing assets and fee-based services, providing financial stability.
What Does ADKT Do?
The Adirondack Trust Company, established in 1901 and headquartered in Saratoga Springs, New York, has evolved over a century to become a cornerstone financial institution in its region. From its inception, the company has focused on providing essential banking and financial services, catering to the evolving needs of both individuals and businesses within New York. Its comprehensive product portfolio spans traditional banking services such as checking and savings accounts, direct deposits, and reorder checks, forming the foundation of its customer relationships. Beyond basic banking, The Adirondack Trust Company offers an extensive array of lending products, including home mortgage, home equity, home improvement, auto, personal, and term loans. It also provides specialized financial solutions like lines of credit, SBA lending products, construction and development financing, and commercial real estate loans, demonstrating its commitment to supporting local economic growth. The company is particularly active in the housing market, offering fixed-rate and adjustable-rate mortgages, construction loans, home refinance options, home equity loans, and lines of credit, alongside specific programs tailored for first-time homebuyers. In response to modern banking demands, The Adirondack Trust Company has integrated digital services, including debit and credit cards, overdraft checking, mobile and online banking, mobile check deposits, wire transfers, night depository, and ACH origination services. Furthermore, it has diversified its revenue streams and client offerings through robust wealth management services, encompassing financial planning, investment management, retirement planning, and comprehensive estate and trust services. Complementing its financial offerings, the company also provides a broad spectrum of insurance products, covering auto, home, life, umbrella, renters, long-term care, and business industries, positioning itself as a holistic financial partner for its clientele.
What Products and Services Does ADKT Offer?
- Provide checking and savings accounts for individuals and businesses.
- Offer a wide range of personal loans, including home mortgage, auto, and personal loans.
- Extend commercial lending services, such as SBA loans, construction financing, and commercial real estate loans.
- Deliver digital banking solutions, including mobile and online banking, and mobile check deposits.
- Manage wealth through financial planning, investment management, and retirement planning services.
- Provide comprehensive estate and trust services.
- Offer a variety of insurance products for auto, home, life, and business needs.
- Facilitate merchant processing and wire transfer services for businesses.
How Does ADKT Make Money?
- Generates interest income primarily from its diverse portfolio of loans, including mortgages, commercial, and personal loans.
- Earns fee income from various services such as wealth management, estate and trust services, merchant processing, and overdraft checking.
- Collects premiums from its insurance product offerings, diversifying revenue beyond traditional banking.
- Manages deposits from checking and savings accounts, which serve as a low-cost funding source for its lending activities.
- Leverages its regional presence and long-standing community relationships to attract and retain customers across its product lines.
What Industry Does ADKT Operate In?
The Adirondack Trust Company operates within the 'Banks - Regional' industry, a segment of the broader Financial Services sector characterized by institutions primarily serving specific geographic areas. This industry is often defined by strong community ties, personalized customer service, and a deep understanding of local economic conditions. Regional banks like ADKT compete not only with larger national banks but also with smaller local credit unions and increasingly, with fintech companies offering specialized digital services. Key market trends include the ongoing shift towards digital banking, evolving regulatory landscapes, and the impact of interest rate fluctuations on net interest margins. The Adirondack Trust Company's strategy of offering a diverse array of services, from traditional banking and various loan products to wealth management and insurance, positions it as a comprehensive financial partner within its New York market, aiming to capture a broad spectrum of customer needs and maintain competitiveness against more specialized players.
Who Are ADKT's Key Customers?
- Individuals seeking personal banking, loan products, wealth management, and insurance services.
- Small and medium-sized businesses requiring commercial loans, lines of credit, and merchant services.
- First-time homebuyers utilizing specialized mortgage programs.
- Commercial real estate developers seeking construction and development financing.
- Clients requiring financial planning, investment management, and estate planning expertise.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
- ● This is a fund, not an operating company
MoonshotScore History
Recorded daily since 2026-08-23 · 41 snapshots
| 2026-08-23 | 61 |
| 2026-08-31 | 61 |
| 2026-09-08 | 61 |
| 2026-09-16 | 61 |
| 2026-09-24 | 61 |
| 2026-10-04 | 61 |
What changed?
The score has stayed at 61.
Over the same 30 days the stock moved +0.0%.
Company Profile
The Adirondack Trust Company operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Saratoga Springs, US. The company is led by CEO Charles V. Wait Jr.. ADKT has traded publicly since 2009.
Key Financial Metrics
Return on equity for The Adirondack Trust Company stands at 8.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. ADKT trades at a trailing price-to-earnings ratio of 3.28, below the Financial Services sector average of ~17.20x. A current ratio of 0.23 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 32.6%, the inverse of the P/E and a quick read on earnings relative to price.
ADKT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long operational history since 1901, fostering strong community trust and brand recognition.
- Diverse portfolio of services including banking, lending, wealth management, and insurance, providing multiple revenue streams.
- Strong profitability metrics with a 16.1% profit margin and 79.4% gross margin.
- Attractive dividend yield of 4.56%, appealing to income-focused investors.
Bear Case
- Small market capitalization of $0.05 billion, potentially limiting access to capital and scalability.
- Limited geographic diversification, concentrating risks within the New York regional economy.
- OTC market listing may result in lower liquidity and less transparency compared to major exchanges.
- Reliance on traditional banking models, potentially slower to adapt to rapid fintech innovations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
ADKT Latest News
No recent news available for ADKT.
ADKT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for ADKT.
Price Targets
Wall Street price target analysis for ADKT.
ADKT MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for ADKT; grades run from A+ (80-100) to F (below 30).
Leadership: Charles V. Wait Jr.
Unknown
Charles V. Wait Jr. serves in a leadership capacity at The Adirondack Trust Company, a financial institution with a history spanning over a century. His leadership is integral to maintaining the company's regional focus and its comprehensive service model, which includes traditional banking, lending, wealth management, and insurance offerings. His tenure likely reflects a commitment to the institution's enduring legacy and its role within the Saratoga Springs, New York community.
Track Record: Under the leadership of Charles V. Wait Jr., The Adirondack Trust Company has continued its long-standing tradition of providing diverse financial services to its community. His tenure has overseen the ongoing delivery of a broad range of products, from personal and commercial loans to wealth management and insurance, ensuring the company remains a comprehensive financial partner for its clients. While specific milestones are not detailed, his leadership is presumed to have contributed to the company's consistent operational profile, marked by a 16.1% profit margin and a 4.56% dividend yield, reflecting a steady performance in a competitive regional banking landscape.
ADKT OTC Market Information
The Adirondack Trust Company trades on the OTC market under the 'OTC Other' tier. This classification signifies that the company does not meet the requirements for higher OTC tiers (like OTCQX or OTCQB) or for listing on major exchanges such as the NYSE or NASDAQ. Companies in the 'OTC Other' tier typically have less stringent reporting requirements, often providing limited public financial information. This contrasts sharply with NYSE or NASDAQ-listed companies, which must adhere to strict SEC reporting standards, including quarterly and annual filings, and meet specific financial and governance criteria for listing.
- OTC Tier: OTC Other
- Limited public disclosure and transparency due to less stringent reporting requirements on the OTC market.
- Lower liquidity and wider bid-ask spreads, making it difficult to execute trades efficiently and potentially leading to price volatility.
- Increased susceptibility to market manipulation due to less oversight and smaller trading volumes.
- Difficulty in obtaining reliable financial information and analyst coverage, complicating investment analysis.
- Potential for delisting or further tier downgrades if reporting or financial standards are not met, impacting investor confidence.
- Verify the company's most recent financial statements directly from available sources, if any.
- Research any news or press releases issued by the company to understand recent developments.
- Assess the company's business model and competitive landscape within its regional market.
- Examine the management team's background and track record, if information is available.
- Understand the specific risks associated with the 'OTC Other' tier and its implications for investment.
- Evaluate the company's dividend history and sustainability, given its current yield.
- Consult with a financial advisor experienced in OTC markets before making investment decisions.
- Long operational history since 1901, indicating an established and enduring business.
- Provision of a diverse range of traditional banking, lending, wealth management, and insurance services.
- Headquartered in Saratoga Springs, New York, suggesting a physical presence and community ties.
- Reported financial metrics such as a 16.1% profit margin and 4.56% dividend yield, indicating active operations and shareholder returns.
- Known CEO, Charles V. Wait Jr., suggesting a structured leadership.
Common Questions About ADKT (Financials)
How sensitive is ADKT to interest rate changes?
As a regional bank, The Adirondack Trust Company's profitability is inherently sensitive to fluctuations in interest rates. Its net interest margin (NIM), which is the difference between the interest income generated from loans and the interest paid on deposits, is a critical driver of its earnings.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- The 'disclosureLevel' for OTC analysis is 'Unknown' as per the source data.