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ADKT Dividend DRIP Calculator 2026
4.60% YieldFinancial ServicesThe Adirondack Trust Company · OTC
Price: $650.25 · Annual div: $29.88/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Annual dividend income growth
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🎯 When ADKT pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in ADKT → $1.40M in 10 years · $19,761.20/month
About The Adirondack Trust Company (ADKT) — Dividend Analysis 2026
The Adirondack Trust Company, established in 1901 and headquartered in Saratoga Springs, New York, offers a comprehensive suite of banking and financial services to both individual and business clients throughout New York State. The company provides fundamental banking tools such as various checking and savings accounts, direct deposit services, and convenient check reordering. Its extensive lending portfolio caters to both personal and commercial needs. For individuals, options include diverse home mortgages (available as fixed-rate, adjustable-rate, construction, refinance, home equity, home equity lines of credit, and first-time homebuyer programs), home improvement loans, auto loans, personal loans, and term loans. Commercial clients can access lines of credit, SBA lending products, construction and development financing, and commercial real estate loans. Beyond traditional banking, Adirondack Trust issues debit and credit cards and offers essential digital services like mobile and online banking, mobile check deposits, and overdraft checking. Business-specific solutions include merchant processing, wire transfers, night depository, and ACH origination services. The institution also delivers specialized wealth management, encompassing financial planning, investment management, retirement planning, and estate and trust services. Furthermore, it provides a range of insurance products for auto, home, life, umbrella, renters, long-term care, and business-related coverages.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 ADKT Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold ADKT.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 4.60% | 1.80% | $460 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 3.91% | 1.11% | $391 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 3.68% | 0.88% | $368 / yr |
| 🇬🇧 UK ISA | 0% | 4.60% | 1.80% | $460 / yr |
| 🇬🇧 UK Taxable | 8.75% | 4.20% | 1.40% | $420 / yr |
| 🇨🇦 TFSA | 0% | 4.60% | 1.80% | $460 / yr |
| 🇨🇦 CA Taxable | 25% | 3.45% | 0.65% | $345 / yr |
| 🇦🇺 Super (pension) | 15% | 3.91% | 1.11% | $391 / yr |
| 🇦🇺 AU Taxable | 30% | 3.22% | 0.42% | $322 / yr |
| 🇩🇪 DE Taxable | 26.375% | 3.39% | 0.59% | $339 / yr |
| 🇫🇷 FR Taxable | 30% | 3.22% | 0.42% | $322 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 ADKT Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $29.88/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 ADKT Dividend Payment Schedule
ADKT pays quarterly — 4 times per year. Next ex-div: TBD.
📊 ADKT vs Financial Services Benchmarks
How ADKT compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ADKT sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ ADKT Insider Activity
No recent SEC filings reported in the last 90 days.Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the ADKT dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
The Adirondack Trust Company (ADKT) is currently trading at $650.25, 76% below its 52-week high. The current dividend yield is 4.60% based on an annual payout of $29.88 per share.
ADKT (The Adirondack Trust Company) — 4.60% Dividend Yield Analysis
The Adirondack Trust Company (ADKT) is a financial services stock currently trading at $650.25 with a dividend yield of 4.60%. The company pays an annual dividend of $29.88 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, ADKT has grown its dividend at a compound annual rate of 70.9%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
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