The Adirondack Trust Company (ADKT) Fair Value & Analysis
Financial Services · US · Market cap $81.7M
Fair value as of: Jun 26, 2026
Analysis
The Adirondack Trust Company (ADKT) currently trades at $650.25, while our model-based Fair Value estimate is $1,289 — implying the stock looks roughly 98.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
About the company
The Adirondack Trust Company provides various banking products and services to individuals and businesses in New York. The company offers checking and savings accounts, direct deposits, and reorder checks; home mortgage, home equity, auto, personal, and term loans, as well as lines of credit, SBA lending products, construction and development financing, and commercial real estate loans; and fixed-rate and adjustable-rate mortgages, home refinance, and home equity line of credit, as well as mortgages for first-time homebuyers. It also provides debit and credit cards; workplace banking services; overdraft checking services; mobile and online banking services; merchant processing services; mobile check deposits; and wire transfer, night depository, and ACH origination services. In addition, the company offers wealth management services, such as financial and retirement planning, investment management, as well as estate and trust services; and insurance solutions for auto, home, life, u…
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.