ADKT (Adirondack Trust Co) ROE % Adjusted to Book Value: 19.95% (As of Dec. 2025)


ADKT Adirondack Trust Co ADKT
22 GF Score
Price $650.25
GF Value $686.50
! 6 Warning Signs
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What is Adirondack Trust Co ROE % Adjusted to Book Value?

Adirondack Trust Co ADKT 22 ROE % Adjusted to Book Value is 19.95% as of Dec. 2025. 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.

Adirondack Trust Co's ROE % for the quarter that ended in Dec. 2025 was 8.58%. Adirondack Trust Co's PB Ratio for the quarter that ended in Dec. 2025 was 0.43. Adirondack Trust Co's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 19.95%.

Adirondack Trust Co ROE % Adjusted to Book Value Related Terms

Adirondack Trust Co ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Adirondack Trust Co's ROE % Adjusted to Book 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.

Adirondack Trust Co ROE % Adjusted to Book Value Chart

Adirondack Trust Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.14 12.91 12.33 14.51 19.95

Adirondack Trust Co Semi-Annual Data
Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.14 12.91 12.33 14.51 19.95

ADKT vs BORT, IROQ, AUBN: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Adirondack Trust Co's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Adirondack Trust Co's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Adirondack Trust Co's ROE % Adjusted to Book Value falls into.


ADKT
22GF Score
Adirondack Trust Co ADKT
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Adirondack Trust Co ROE % Adjusted to Book Value Calculation

Adirondack Trust Co's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.58% / 0.43
=19.95%

Adirondack Trust Co's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.58% / 0.43
=19.95%

* 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.

What does a ROE % Adjusted to Book Value of 19.95% mean?
Adirondack Trust Co (ADKT) has a ROE % Adjusted to Book Value of 19.95% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Adirondack Trust Co and its competitors.
Is Adirondack Trust Co's ROE % Adjusted to Book Value too high?
Adirondack Trust Co's current ROE % Adjusted to Book Value is 19.95%. 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 ROE % Adjusted to Book Value compare to BORT and IROQ?
Adirondack Trust Co's ROE % Adjusted to Book Value of 19.95% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Adirondack Trust Co and its competitors. Adirondack Trust Co's current ROE % Adjusted to Book Value is 19.95%. 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 ROE % Adjusted to Book Value of 19.95%. 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 ROE % Adjusted to Book Value is 19.95%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Adirondack Trust Co (ADKT), the current ROE % Adjusted to Book Value is 19.95% 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:

  • ROE % Adjusted to Book Value: 19.95%
  • GF Value™: $686.50 vs. price of $650.25 (5.3% below fair value)
  • GF Score™: 22/100 with 6 warning signs

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

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$650.25
Price
$686.50
GF Value