Adirondack Trust CoADKT 22 Pretax Margin % is 26.15% as of Dec. 2025, which is 0% above its 10-year median of 26.04. 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 1,528 Banks companies, Adirondack Trust Co ranks worse than 71.34% on this metric.
The historical rank and industry rank for Adirondack Trust Co's Pretax Margin % or its related term are showing as below:
ADKT'
s Pretax Margin % Range Over the Past 10 Years
Min: 17.07 Med: 26.04 Max: 31.83
Current: 26.15
ADKT's Pretax Margin % is ranked worse than 71.34% of 1528
companies
in the Banks industry
Industry Median: 34.665
vs ADKT: 26.15
Adirondack Trust Co (OTCPK:ADKT) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Adirondack Trust Co Pretax Margin % Related Terms
Adirondack Trust Co Pretax Margin % Historical Data
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The historical data trend for Adirondack Trust Co's Pretax 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.
ADKT vs BORT, IROQ, AUBN: Pretax Margin % Comparison
For the Banks - Regional subindustry, Adirondack Trust Co's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Adirondack Trust Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Adirondack Trust Co's Pretax 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 Pretax Margin % of 26.15% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Adirondack Trust Co and its competitors. This is near median its historical median of 26.04. Over the past decade, Adirondack Trust Co's Pretax Margin % has ranged from 17.07 to 31.83. According to the industry distribution chart, Adirondack Trust Co ranks #1090 out of 1528 companies in the Banks industry, placing it in the top 71.3%.
Is Adirondack Trust Co's Pretax Margin % too high?
Adirondack Trust Co's current Pretax Margin % of 26.15% is near median its 10-year median of 26.04. Over the past 10 years, this metric has ranged from a low of 17.07 to a high of 31.83. The Banks industry median Pretax Margin % is 34.67. Adirondack Trust Co's value of 26.15% is 24.6% below this industry median. Based on the distribution chart, Adirondack Trust Co ranks #1090 out of 1528 companies in the Banks industry, which is below 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 Pretax Margin % compare to BORT and IROQ?
According to the Banks industry distribution chart, Adirondack Trust Co ranks #1090 out of 1528 companies for Pretax Margin %. This places Adirondack Trust Co in the lower half of its industry. The industry median Pretax Margin % is 34.67. Adirondack Trust Co's value of 26.15% is 24.6% below this benchmark. Historically, Adirondack Trust Co's own Pretax Margin % has ranged from 17.07 to 31.83 over the past decade. While the company's 10-year median is 26.04 vs. the industry median of 34.67, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.67, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Adirondack Trust Co's current Pretax Margin % of 26.15% is 24.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Adirondack Trust Co and its competitors. For the Banks industry, the median Pretax Margin % is 34.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adirondack Trust Co's current Pretax Margin % is 26.15%, which is near median its own 10-year median of 26.04. 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 Pretax Margin % of 26.15%. 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 Pretax Margin % is 26.15%, which is near median its 10-year median of 26.04 and 24.6% below the Banks industry median of 34.67. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Adirondack Trust Co (ADKT), the current Pretax Margin % is 26.15% 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:
Pretax Margin %: 26.15% (near median its 10-year median of 26.04)
GF Value™: $686.50 vs. price of $650.25 (5.3% below fair value)
Industry Position: 24.6% below the Banks median (#1090 of 1528)
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.
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