Adirondack Trust CoADKT 22 Return-on-Tangible-Equity is 9.68% as of Dec. 2025, which is 8% below its 10-year median of 10.57. 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 1,523 Banks companies, Adirondack Trust Co ranks worse than 59.42% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Adirondack Trust Co's annualized net income for the quarter that ended in Dec. 2025 was $15.26 Mil. Adirondack Trust Co's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $157.71 Mil. Therefore, Adirondack Trust Co's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 9.68%.
The historical rank and industry rank for Adirondack Trust Co's Return-on-Tangible-Equity or its related term are showing as below:
ADKT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.14 Med: 10.57 Max: 14
Current: 9.68
During the past 13 years, Adirondack Trust Co's highest Return-on-Tangible-Equity was 14.00%. The lowest was 7.14%. And the median was 10.57%.
ADKT's Return-on-Tangible-Equity is ranked worse than 59.42% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs ADKT: 9.68
Adirondack Trust Co (OTCPK:ADKT) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Adirondack Trust Co Return-on-Tangible-Equity Related Terms
Adirondack Trust Co Return-on-Tangible-Equity Historical Data
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The historical data trend for Adirondack Trust Co's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
ADKT vs BORT, IROQ, AUBN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Adirondack Trust Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Adirondack Trust Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Adirondack Trust Co's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.68% mean?
Adirondack Trust Co (ADKT) has a Return-on-Tangible-Equity of 9.68% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Adirondack Trust Co and its competitors. This is near median its historical median of 10.57. Over the past decade, Adirondack Trust Co's Return-on-Tangible-Equity has ranged from 7.14 to 14.00. According to the industry distribution chart, Adirondack Trust Co ranks #905 out of 1523 companies in the Banks industry, placing it in the top 59.4%.
Is Adirondack Trust Co's Return-on-Tangible-Equity too high?
Adirondack Trust Co's current Return-on-Tangible-Equity of 9.68% is near median its 10-year median of 10.57. Over the past 10 years, this metric has ranged from a low of 7.14 to a high of 14.00. The Banks industry median Return-on-Tangible-Equity is 11.19. Adirondack Trust Co's value of 9.68% is 13.5% below this industry median. Based on the distribution chart, Adirondack Trust Co ranks #905 out of 1523 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 Return-on-Tangible-Equity compare to BORT and IROQ?
According to the Banks industry distribution chart, Adirondack Trust Co ranks #905 out of 1523 companies for Return-on-Tangible-Equity. This places Adirondack Trust Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Adirondack Trust Co's value of 9.68% is 13.5% below this benchmark. Historically, Adirondack Trust Co's own Return-on-Tangible-Equity has ranged from 7.14 to 14.00 over the past decade. While the company's 10-year median is 10.57 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Adirondack Trust Co's current Return-on-Tangible-Equity of 9.68% is 13.5% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Adirondack Trust Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adirondack Trust Co's current Return-on-Tangible-Equity is 9.68%, which is near median its own 10-year median of 10.57. 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 Return-on-Tangible-Equity of 9.68%. 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 Return-on-Tangible-Equity is 9.68%, which is near median its 10-year median of 10.57 and 13.5% below the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Adirondack Trust Co (ADKT), the current Return-on-Tangible-Equity is 9.68% 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:
Return-on-Tangible-Equity: 9.68% (near median its 10-year median of 10.57)
GF Value™: $686.50 vs. price of $650.25 (5.3% below fair value)
Industry Position: 13.5% below the Banks median (#905 of 1523)
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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