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The Adirondack Trust Company · OTC
Price: $608.50 · Annual div: $29.63/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in ADKT → $1.48M in 10 years · $22,012.85/month
The Adirondack Trust Company provides banking and financial services to individuals and businesses in New York. It offers checking and savings accounts, direct deposits, and reorder checks; home mortgage, home equity, home improvement, 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, construction loans, home refinance, home equity loans, and home equity line of credit, as well as mortgages for first-time homebuyers. The company also provides debit and credit cards; overdraft checking services; mobile and online banking services; merchant processing services; mobile check deposits; wire transfer, night depository, and ACH origination services. In addition, it offers wealth management services, such as financial planning, investment management, and retirement planning, as well as estate and trust services; and insurance for auto, home, life, umbrella, renters, long-term care, and business industries. The Adirondack Trust Company was founded in 1901 and is based in Saratoga Springs, New York.
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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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% | 4.87% | 2.07% | $487 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 4.14% | 1.34% | $414 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 3.90% | 1.10% | $390 / yr |
| 🇬🇧 UK ISA | 0% | 4.87% | 2.07% | $487 / yr |
| 🇬🇧 UK Taxable | 8.75% | 4.44% | 1.64% | $444 / yr |
| 🇨🇦 TFSA | 0% | 4.87% | 2.07% | $487 / yr |
| 🇨🇦 CA Taxable | 25% | 3.65% | 0.85% | $365 / yr |
| 🇦🇺 Super (pension) | 15% | 4.14% | 1.34% | $414 / yr |
| 🇦🇺 AU Taxable | 30% | 3.41% | 0.61% | $341 / yr |
| 🇩🇪 DE Taxable | 26.375% | 3.59% | 0.79% | $359 / yr |
| 🇫🇷 FR Taxable | 30% | 3.41% | 0.61% | $341 / 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.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $29.63/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
ADKT pays quarterly — 4 times per year. Next ex-div: TBD.
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.
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 →
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