This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Adirondack Trust Co's Median PS Value or its related term are showing as below:
ADKT'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.49 Med: 0.65 Max: 0.75
Current: 0.6
During the past 13 years, the highest Price to Median PS Value of Adirondack Trust Co was 0.75. The lowest was 0.49. And the median was 0.65.
ADKT's Price-to-Median-PS-Value is not ranked
in the Banks industry.
Industry Median: 1.11
vs ADKT: 0.60
Adirondack Trust Co (OTCPK:ADKT) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Adirondack Trust Co's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
650.25
/
1,085.84
=
0.60
* 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 Median PS Value Related Terms
Adirondack Trust Co Median PS Value Historical Data
* Premium members only.
The historical data trend for Adirondack Trust Co's Median PS Value 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: Median PS Value Comparison
For the Banks - Regional subindustry, Adirondack Trust Co's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Adirondack Trust Co's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Adirondack Trust Co's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 2.2221.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Adirondack Trust Co's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $488.656.
* 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 Median PS Value of $1,085.84 as of Jul. 05, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Adirondack Trust Co and its competitors. This is 166952% above median its historical median of 0.65. Over the past decade, Adirondack Trust Co's Median PS Value has ranged from 0.49 to 0.75.
Is Adirondack Trust Co's Median PS Value too high?
Adirondack Trust Co's current Median PS Value of $1,085.84 is 166952% above median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 0.75. The Banks industry median Median PS Value is 1.11. Adirondack Trust Co's value of $1,085.84 is 97723.4% above this industry median. Overall, Adirondack Trust Co has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Adirondack Trust Co's Median PS Value compare to BORT and IROQ?
Adirondack Trust Co's Median PS Value of $1,085.84 can be compared against companies in the Banks industry. The industry median Median PS Value is 1.11. Adirondack Trust Co's value of $1,085.84 is 97723.4% above this benchmark. Historically, Adirondack Trust Co's own Median PS Value has ranged from 0.49 to 0.75 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 1.11, Adirondack Trust Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Adirondack Trust Co's current Median PS Value of $1,085.84 is 97723.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Adirondack Trust Co and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adirondack Trust Co's current Median PS Value is $1,085.84, which is 166952% above median its own 10-year median of 0.65. 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?
Adirondack Trust Co (ADKT) has a current Median PS Value of $1,085.84. The stock's GF Value™ is $686.50, compared to a current price of $650.25 — trading 5.3% below its estimated fair value. The current Median PS Value is $1,085.84, which is 166952% above median its 10-year median of 0.65 and 97723.4% above the Banks industry median of 1.11. Adirondack Trust Co's overall GF Score™ is 22/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Adirondack Trust Co (ADKT), the current Median PS Value is $1,085.84 as of Jul. 05, 2026. 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 5.3% below its estimated GF Value™ of $686.50.
Key valuation signals for ADKT:
Median PS Value: $1,085.84 (166952% above median its 10-year median of 0.65)
GF Value™: $686.50 vs. price of $650.25 (5.3% below fair value)
Industry Position: 97723.4% above the Banks median
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.
22GF Score
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