The historical rank and industry rank for Adirondack Trust Co's Net Margin % or its related term are showing as below:
ADKT'
s Net Margin % Range Over the Past 10 Years
Min: 13.39 Med: 20.26 Max: 24.37
Current: 20.28
ADKT's Net Margin % is not ranked
in the Banks industry.
Industry Median: 26.845
vs ADKT: 20.28
Adirondack Trust Co (OTCPK:ADKT) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Adirondack Trust Co Net Margin % Related Terms
Adirondack Trust Co Net Margin % Historical Data
* Premium members only.
The historical data trend for Adirondack Trust Co's Net Margin % 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.
For the Banks - Regional subindustry, Adirondack Trust Co's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Adirondack Trust Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Adirondack Trust Co's Net Margin % 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 Net Margin % of 20.28% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Adirondack Trust Co and its competitors. This is near median its historical median of 20.26. Over the past decade, Adirondack Trust Co's Net Margin % has ranged from 13.39 to 24.37.
Is Adirondack Trust Co's Net Margin % too high?
Adirondack Trust Co's current Net Margin % of 20.28% is near median its 10-year median of 20.26. Over the past 10 years, this metric has ranged from a low of 13.39 to a high of 24.37. The Banks industry median Net Margin % is 26.85. Adirondack Trust Co's value of 20.28% is 24.5% below 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 Net Margin % compare to BORT and IROQ?
Adirondack Trust Co's Net Margin % of 20.28% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.85. Adirondack Trust Co's value of 20.28% is 24.5% below this benchmark. Historically, Adirondack Trust Co's own Net Margin % has ranged from 13.39 to 24.37 over the past decade. While the company's 10-year median is 20.26 vs. the industry median of 26.85, Adirondack Trust Co has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Adirondack Trust Co's current Net Margin % of 20.28% is 24.5% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Adirondack Trust Co and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adirondack Trust Co's current Net Margin % is 20.28%, which is near median its own 10-year median of 20.26. 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 Net Margin % of 20.28%. 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 Net Margin % is 20.28%, which is near median its 10-year median of 20.26 and 24.5% below the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Adirondack Trust Co (ADKT), the current Net Margin % is 20.28% 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 5.3% below its estimated GF Value™ of $686.50.
Key valuation signals for ADKT:
Net Margin %: 20.28% (near median its 10-year median of 20.26)
GF Value™: $686.50 vs. price of $650.25 (5.3% 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.
22GF Score
Get the complete analysis for ADKT
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ADKT has been successfully added to your 
