Stock fact sheet · data as of
The Adirondack Trust Company (ADKT): fair value, margin of safety and Wheel Score
Ticker symbol ADKT · Financial Services · Banks - Regional · United States · Value Income
Is ADKT undervalued?
ADKT has a margin of safety of 85%: the stock closed at 680.00 on 5 Nov 2026 against a GLS average fair value of 4,442.48. 6 of the 7 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 7 models disagree widely: DDM gives 439.66 while DCF gives 19,863.06. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, ADKT is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 94, growth score 63, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for ADKT
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 19,863.06 | +2821% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 3,322.82 | +389% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 3,201.52 | +371% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 793.77 | +17% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1,271.65 | +87% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 439.66 | -35% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 2,204.91 | +224% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -15,527.86 | -2384% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
No Piotroski health score is on file for ADKT (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. The GLS Moat score is 6.1 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 8.0%, ROE 8.0%, ROA 0.9% - with debt at 0.00 times equity and negative free cash flow.
The dividend yield is high at 4.39% (payout ratio 0%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | - / 9 | ROIC | 8.0% |
|---|---|---|---|
| GLS Moat | 6.1 / 10 | ROE | 8.0% |
| Debt / equity | 0.00 | ROA | 0.9% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 32: No options
ADKT has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (32 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $54M, with a beta of -0.28 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $54M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 85% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.1/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.28, $54M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for ADKT in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to The Adirondack Trust Company by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| INFT Infinity Bancorp | 17.50 | 53.30 | +67% | 33No options | $54M |
| GVYB Golden Valley Bancshares, Inc. | 24.70 | 28.70 | +14% | 25No options | $54M |
| BBBK Baker Boyer Bancorp | 41.67 | 68.22 | +39% | 32No options | $55M |
| OSBK Oconee Financial Corporation | 52.51 | 83.53 | +37% | 29No options | $55M |
| TBBC Triad Business Bank | 6.60 | 7.60 | +13% | 19No options | $53M |
| CIZN Citizens Holding Company | 9.75 | 26.95 | +64% | 31No options | $56M |
| CIBH CIB Marine Bancshares, Inc. | 38.96 | 42.91 | +9% | 23No options | $53M |
| WSSH West Shore Bank Corp. | 45.32 | 132.69 | +66% | 32No options | $56M |
| SSBP SSB Bancorp, Inc. | 25.50 | 59.71 | +57% | 30No options | $56M |
| FGFI First Greenwich Financial, Inc. | 19.40 | 18.57 | -4% | 17No options | $52M |
| PNBI Pioneer Bankshares, Inc. | 51.25 | 117.78 | +56% | 32No options | $52M |
| FFWC FFW Corporation | 53.18 | 76.03 | +30% | 35No options | $58M |
⚖ Compare ADKT with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about ADKT
Is ADKT undervalued right now?
By the GLS models, yes: at 680.00 the stock is 85% below the average fair value of 4,442.48 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of ADKT and what does it mean?
ADKT has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for ADKT?
4,442.48 per share as of 5 Nov 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does The Adirondack Trust Company report earnings next?
No upcoming earnings date is recorded for ADKT in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does ADKT have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on ADKT, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.