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Adirondack Trust CoADKT 61 Peter Lynch Fair Value is $581.37 as of Jul. 19, 2026, which is 36464% above its 10-year median of 1.59. GuruFocus rates ADKT with a GF Score™ of 61/100 and a GF Value™ of $690.47 (Fairly Valued). The stock has 6 warning signs investors should review. Among 876 Banks companies, Adirondack Trust Co ranks better than 50.57% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Adirondack Trust Co's PEG is 1. Adirondack Trust Co's 5-Year TTM Book Value Growth Rate is 5.86.
Adirondack Trust Co's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $99.21. Therefore, the Peter Lynch Fair Value for today is $581.37.
The historical rank and industry rank for Adirondack Trust Co's Peter Lynch Fair Value or its related term are showing as below:
ADKT'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.91 Med: 1.59 Max: 3.08
Current: 1.12
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Adirondack Trust Co was 3.08. The lowest was 0.91. And the median was 1.59.
ADKT's Price-to-Peter-Lynch-Fair-Value is ranked better than 50.57% of 876
companies
in the Banks industry
Industry Median: 1.125
vs ADKT: 1.12
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Adirondack Trust Co (OTCPK:ADKT) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 5.86 instead of 15 in this case.
Adirondack Trust Co's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
650.25
/
581.37
=
1.12
* 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 Peter Lynch Fair Value Related Terms
Adirondack Trust Co Peter Lynch Fair Value Historical Data
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The historical data trend for Adirondack Trust Co's Peter Lynch Fair 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: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, Adirondack Trust Co's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-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-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Adirondack Trust Co's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Adirondack Trust Co's Price-to-Peter-Lynch-Fair-Value falls into.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Adirondack Trust Co's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $99.21.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $581.37 mean?
Adirondack Trust Co (ADKT) has a Peter Lynch Fair Value of $581.37 as of Jul. 19, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Adirondack Trust Co and its competitors. This is 36464% above median its historical median of 1.59. Over the past decade, Adirondack Trust Co's Peter Lynch Fair Value has ranged from 0.91 to 3.08. According to the industry distribution chart, Adirondack Trust Co ranks #433 out of 876 companies in the Banks industry, placing it in the top 49.4%.
Is Adirondack Trust Co's Peter Lynch Fair Value too high?
Adirondack Trust Co's current Peter Lynch Fair Value of $581.37 is 36464% above median its 10-year median of 1.59. Over the past 10 years, this metric has ranged from a low of 0.91 to a high of 3.08. The Banks industry median Peter Lynch Fair Value is 1.13. Adirondack Trust Co's value of $581.37 is 51577.3% above this industry median. Based on the distribution chart, Adirondack Trust Co ranks #433 out of 876 companies in the Banks industry, which is above the industry midpoint. 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 Peter Lynch Fair Value compare to BORT and IROQ?
According to the Banks industry distribution chart, Adirondack Trust Co ranks #433 out of 876 companies for Peter Lynch Fair Value. This puts Adirondack Trust Co in the upper half of its industry. The industry median Peter Lynch Fair Value is 1.13. Adirondack Trust Co's value of $581.37 is 51577.3% above this benchmark. Historically, Adirondack Trust Co's own Peter Lynch Fair Value has ranged from 0.91 to 3.08 over the past decade. While the company's 10-year median is 1.59 vs. the industry median of 1.13, 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 Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.13, based on 876 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Adirondack Trust Co's current Peter Lynch Fair Value of $581.37 is 51577.3% 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Adirondack Trust Co and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adirondack Trust Co's current Peter Lynch Fair Value is $581.37, which is 36464% above median its own 10-year median of 1.59. 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 $690.47, compared to a current price of $650.25 — trading 5.8% below its estimated fair value. The current Peter Lynch Fair Value is $581.37, which is 36464% above median its 10-year median of 1.59 and 51577.3% above the Banks industry median of 1.13. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Adirondack Trust Co (ADKT), the current Peter Lynch Fair Value is $581.37 as of Jul. 19, 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 5.8% below its estimated GF Value™ of $690.47.
GuruFocus considers Adirondack Trust Co to be Fairly Valued.
Key valuation signals for ADKT:
Peter Lynch Fair Value: $581.37 (36464% above median its 10-year median of 1.59)
GF Value™: $690.47 vs. price of $650.25 (5.8% below fair value)
Industry Position: 51577.3% above the Banks median (#433 of 876)
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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