The Adirondack Trust Company (ADKT)

ADKT Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 10, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	82	88	105	138	146	140
Market Cap Growth	-15.38%	-15.99%	-23.93%	-5.25%	4.12%	6.14%
Last Close Price	516.17	528.78	614.32	774.16	794.45	741.99
PE Ratio	6.79	7.35	7.80	8.37	10.16	16.87
PS Ratio	1.22	1.33	1.58	2.04	2.23	2.62
PB Ratio	0.49	0.53	0.72	1.10	0.98	1.00
Debt / Equity Ratio	0.02	0.02	0.38	0.04	0.07	0.07
Return on Equity (ROE)	7.69%	7.69%	9.86%	12.01%	9.94%	6.07%
Return on Assets (ROA)	0.72%	0.72%	0.83%	0.99%	0.90%	0.61%
Earnings Yield	14.72%	13.60%	12.82%	11.94%	9.84%	5.93%
Dividend Yield	5.55%	5.51%	4.66%	-	3.26%	-
Buyback Yield / Dilution	-0.07%	-0.02%	-0.02%	-0.02%	-0.02%	-0.01%
Total Shareholder Return	5.48%	5.49%	4.64%	-0.02%	3.24%	-0.01%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.