ADKT (Adirondack Trust Co) Dividend Payout Ratio: 0.30 (As of Dec. 2025) — Near Median


ADKT Adirondack Trust Co ADKT
22 GF Score
Price $650.25
GF Value $686.50
! 6 Warning Signs
View Full Analysis

What is Adirondack Trust Co Dividend Payout Ratio?

Adirondack Trust Co ADKT 22 Dividend Payout Ratio is 0.30 as of Dec. 2025, which is 6% below its 10-year median of 0.32. GuruFocus rates ADKT with a GF Score™ of 22/100 and a GF Value™ of $686.50. The stock has 6 warning signs investors should review. Among 1,175 Banks companies, Adirondack Trust Co ranks better than 55.06% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Adirondack Trust Co's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.30.

The historical rank and industry rank for Adirondack Trust Co's Dividend Payout Ratio or its related term are showing as below:

ADKT' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.25   Med: 0.32   Max: 0.58
Current: 0.3

During the past 13 years, the highest Dividend Payout Ratio of Adirondack Trust Co was 0.58. The lowest was 0.25. And the median was 0.32.

ADKT's Dividend Payout Ratio is ranked better than
55.06% of 1175 companies
in the Banks industry
Industry Median: 0.32 vs ADKT: 0.30

As of today (2026-07-05), the Dividend Yield % of Adirondack Trust Co is 4.60%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Adirondack Trust Co was 10.59%. The lowest was 2.58%. And the median was 3.19%.

Adirondack Trust Co's Dividends per Share for the months ended in Dec. 2025 was $29.63.

During the past 12 months, Adirondack Trust Co's average Dividends Per Share Growth Rate was 1.70% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 2.80% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 3.20% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 1.60% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Adirondack Trust Co was 28.60% per year. The lowest was 0.00% per year. And the median was 0.30% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Adirondack Trust Co (OTCPK:ADKT) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Adirondack Trust Co Dividend Payout Ratio Related Terms

Adirondack Trust Co Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Adirondack Trust Co's Dividend Payout Ratio 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.

Adirondack Trust Co Dividend Payout Ratio Chart

Adirondack Trust Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.28 0.25 0.33 0.37 0.30

Adirondack Trust Co Semi-Annual Data
Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.28 0.25 0.33 0.37 0.30

ADKT vs BORT, IROQ, AUBN: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Adirondack Trust Co's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Adirondack Trust Co's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Adirondack Trust Co's Dividend Payout Ratio falls into.


ADKT
22GF Score
Adirondack Trust Co ADKT
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Adirondack Trust Co Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Adirondack Trust Co's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=29.63/ 99.21
=0.30

Adirondack Trust Co's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=29.63/ 99.21
=0.30

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.30 mean?
Adirondack Trust Co (ADKT) has a Dividend Payout Ratio of 0.30 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Adirondack Trust Co and its competitors. This is near median its historical median of 0.32. Over the past decade, Adirondack Trust Co's Dividend Payout Ratio has ranged from 0.25 to 0.58. According to the industry distribution chart, Adirondack Trust Co ranks #528 out of 1175 companies in the Banks industry, placing it in the top 44.9%.
Is Adirondack Trust Co's Dividend Payout Ratio too high?
Adirondack Trust Co's current Dividend Payout Ratio of 0.30 is near median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 0.58. The Banks industry median Dividend Payout Ratio is 0.32. Adirondack Trust Co's value of 0.30 is 6.3% below this industry median. Based on the distribution chart, Adirondack Trust Co ranks #528 out of 1175 companies in the Banks industry, which is above the industry midpoint. 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 Dividend Payout Ratio compare to BORT and IROQ?
According to the Banks industry distribution chart, Adirondack Trust Co ranks #528 out of 1175 companies for Dividend Payout Ratio. This puts Adirondack Trust Co in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Adirondack Trust Co's value of 0.30 is 6.3% below this benchmark. Historically, Adirondack Trust Co's own Dividend Payout Ratio has ranged from 0.25 to 0.58 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Adirondack Trust Co's current Dividend Payout Ratio of 0.30 is 6.3% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Adirondack Trust Co and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adirondack Trust Co's current Dividend Payout Ratio is 0.30, which is near median its own 10-year median of 0.32. 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 Dividend Payout Ratio of 0.30. 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 Dividend Payout Ratio is 0.30, which is near median its 10-year median of 0.32 and 6.3% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Adirondack Trust Co (ADKT), the current Dividend Payout Ratio is 0.30 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:

  • Dividend Payout Ratio: 0.30 (near median its 10-year median of 0.32)
  • GF Value™: $686.50 vs. price of $650.25 (5.3% below fair value)
  • GF Score™: 22/100 with 6 warning signs
  • Industry Position: 6.3% below the Banks median (#528 of 1175)

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 Business Description

Address 473 Broadway, Saratoga Springs, NY, USA, 12866-5607
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

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$650.25
Price
$686.50
GF Value