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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Adirondack Trust Co's Debt-to-Equity or its related term are showing as below:
ADKT's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.57 * Ranked among companies with meaningful Debt-to-Equity only.
Adirondack Trust Co (OTCPK:ADKT) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Adirondack Trust Co Debt-to-Equity Related Terms
Adirondack Trust Co Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Adirondack Trust Co's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ADKT vs BORT, IROQ, AUBN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Adirondack Trust Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Adirondack Trust Co Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Adirondack Trust Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Adirondack Trust Co's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Adirondack Trust Co (ADKT) has a Debt-to-Equity of 0.00 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Adirondack Trust Co and its competitors. According to the industry distribution chart, Adirondack Trust Co ranks #999999 out of 1422 companies in the Banks industry.
Is Adirondack Trust Co's Debt-to-Equity too high?
Adirondack Trust Co's current Debt-to-Equity is 0.00. Based on the distribution chart, Adirondack Trust Co ranks #999999 out of 1422 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Adirondack Trust Co has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Adirondack Trust Co's Debt-to-Equity compare to BORT and IROQ?
According to the Banks industry distribution chart, Adirondack Trust Co ranks #999999 out of 1422 companies for Debt-to-Equity. This places Adirondack Trust Co in the lower half of its industry. The industry median Debt-to-Equity is 0.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Adirondack Trust Co and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adirondack Trust Co's current Debt-to-Equity is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adirondack Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Adirondack Trust Co (ADKT) is currently considered Fairly Valued. The stock's GF Value™ is $690.92, compared to a current price of $650.25 — trading 5.9% below its estimated fair value. The current Debt-to-Equity is 0.00. Adirondack Trust Co's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Adirondack Trust Co (ADKT), the current Debt-to-Equity is 0.00 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Adirondack Trust Co (ADKT) Overvalued in 2026?
Based on GuruFocus' analysis, Adirondack Trust Co stock appears to be undervalued.
The current stock price of $650.25 is trading 5.9% below its estimated GF Value™ of $690.92.
GuruFocus considers Adirondack Trust Co to be Fairly Valued.
Key valuation signals for ADKT:
Debt-to-Equity: 0.00
GF Value™: $690.92 vs. price of $650.25 (5.9% below fair value)
No single metric tells the full story. See the ADKT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Adirondack Trust Co is a United States-based company operating as a bank. The company offers financial services including personal banking, business banking, home mortgages, wealth management, investment management, insurance, and online banking.
61GF Score
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