The Adirondack Trust Company
The Adirondack Trust Company
Your view on ADKT
Overview
What the company does, where it operates, and who runs it.
About The Adirondack Trust Company
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Charles V. Wait Jr.
- Headquarters
- 473 Broadway, Saratoga Springs, NY, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Charles V. Wait Jr.
- Headquarters
- 473 Broadway, Saratoga Springs, NY, US
The Adirondack Trust Company, established in 1901 and headquartered in Saratoga Springs, New York, offers a comprehensive suite of banking and financial services to both individual and business clients throughout New York State. The company provides fundamental banking tools such as various checking and savings accounts, direct deposit services, and convenient check reordering. Its extensive lending portfolio caters to both personal and commercial needs. For individuals, options include diverse home mortgages (available as fixed-rate, adjustable-rate, construction, refinance, home equity, home equity lines of credit, and first-time homebuyer programs), home improvement loans, auto loans, personal loans, and term loans. Commercial clients can access lines of credit, SBA lending products, construction and development financing, and commercial real estate loans. Beyond traditional banking, Adirondack Trust issues debit and credit cards and offers essential digital services like mobile and online banking, mobile check deposits, and overdraft checking. Business-specific solutions include merchant processing, wire transfers, night depository, and ACH origination services. The institution also delivers specialized wealth management, encompassing financial planning, investment management, retirement planning, and estate and trust services. Furthermore, it provides a range of insurance products for auto, home, life, umbrella, renters, long-term care, and business-related coverages.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for The Adirondack Trust Company, and the rating behind it. ADKT last traded at $650.25, 3.3× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for The Adirondack Trust Company. Starting points for The Adirondack Trust Company: P/E 3.3, EPS $198.44, beta -0.28 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for The Adirondack Trust Company. The Adirondack Trust Company does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for The Adirondack Trust Company. Trailing twelve-month EPS for The Adirondack Trust Company stands at $198.44. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for The Adirondack Trust Company. The Adirondack Trust Company has reported as a listed company since 2009. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
The Adirondack Trust Company valued side by side against its closest peers. The Adirondack Trust Company is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold The Adirondack Trust Company, and how their positions are changing. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by The Adirondack Trust Company executives and directors. Shares of The Adirondack Trust Company have traded between $230.25 and $650.25 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming The Adirondack Trust Company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming The Adirondack Trust Company. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for The Adirondack Trust Company. Coverage tracks The Adirondack Trust Company within Banks - Regional (Financial Services). Press releases and market coverage, newest first.