The historical rank and industry rank for Adirondack Trust Co's ROE % or its related term are showing as below:
ADKT'
s ROE % Range Over the Past 10 Years
Min: 6.07 Med: 9.22 Max: 12.01
Current: 8.58
During the past 13 years, Adirondack Trust Co's highest ROE % was 12.01%. The lowest was 6.07%. And the median was 9.22%.
ADKT's ROE % is not ranked
in the Banks industry.
Industry Median: 10.22
vs ADKT: 8.58
Adirondack Trust Co (OTCPK:ADKT) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Adirondack Trust Co ROE % Related Terms
Adirondack Trust Co ROE % Historical Data
* Premium members only.
The historical data trend for Adirondack Trust Co's ROE % 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.
For the Banks - Regional subindustry, Adirondack Trust Co's ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, Adirondack Trust Co's ROE % distribution charts can be found below:
* The bar in red indicates where Adirondack Trust Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Adirondack Trust Co (ADKT) has a ROE % of 8.58% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Adirondack Trust Co and its competitors. This is near median its historical median of 9.22. Over the past decade, Adirondack Trust Co's ROE % has ranged from 6.07 to 12.01.
Is Adirondack Trust Co's ROE % too high?
Adirondack Trust Co's current ROE % of 8.58% is near median its 10-year median of 9.22. Over the past 10 years, this metric has ranged from a low of 6.07 to a high of 12.01. The Banks industry median ROE % is 10.22. Adirondack Trust Co's value of 8.58% is 16% below this industry median. 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 % compare to BORT and IROQ?
Adirondack Trust Co's ROE % of 8.58% can be compared against companies in the Banks industry. The industry median ROE % is 10.22. Adirondack Trust Co's value of 8.58% is 16% below this benchmark. Historically, Adirondack Trust Co's own ROE % has ranged from 6.07 to 12.01 over the past decade. While the company's 10-year median is 9.22 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Adirondack Trust Co's current ROE % of 8.58% is 16% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Adirondack Trust Co and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adirondack Trust Co's current ROE % is 8.58%, which is near median its own 10-year median of 9.22. 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 % of 8.58%. 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 % is 8.58%, which is near median its 10-year median of 9.22 and 16% below the Banks industry median of 10.22. 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 % calculated?
ROE % is calculated from a company's financial statements. For Adirondack Trust Co (ADKT), the current ROE % is 8.58% 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 %: 8.58% (near median its 10-year median of 9.22)
GF Value™: $686.50 vs. price of $650.25 (5.3% below fair value)
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
Get the complete analysis for ADKT
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ADKT has been successfully added to your 
