(AROW) Arrow Financial - Ratings and Ratios
Banking, Loans, Deposits, Investments, Insurance
AROW EPS (Earnings per Share)
AROW Revenue
Description: AROW Arrow Financial
Arrow Financial Corporation is a bank holding company that provides a range of commercial and consumer banking services, as well as financial products, in the United States. The companys diverse offerings include deposit products, commercial and consumer loans, and various financial services such as retirement planning, trust, and estate administration.
The companys lending activities are diversified across commercial loans, commercial real estate loans, consumer installment loans, and residential real estate loans, which reduces its exposure to any one particular market segment. Additionally, Arrow Financial Corporation offers insurance agency services, investment advisory services, and maintains a real estate investment trust, further diversifying its revenue streams.
To evaluate the companys performance, key performance indicators (KPIs) such as Net Interest Margin (NIM), Efficiency Ratio, and Loan-to-Deposit Ratio can be considered. AROWs NIM is likely to be around 3-4%, which is relatively stable for a regional bank. The Efficiency Ratio, which measures the companys ability to manage its expenses, is also an important metric. A lower ratio indicates better cost management. Furthermore, the Loan-to-Deposit Ratio can provide insights into the companys lending activities and funding requirements.
From a valuation perspective, AROWs Price-to-Book (P/B) ratio and Dividend Yield can be considered. Regional banks like AROW typically have a P/B ratio between 1-2. The Dividend Yield, which is around 3-4% for AROW, is also an attractive feature for income-seeking investors. Overall, AROWs diversified revenue streams, stable NIM, and attractive dividend yield make it a relatively stable investment opportunity in the regional banking space.
AROW Stock Overview
| Market Cap in USD | 483m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1984-09-07 |
AROW Stock Ratings
| Growth Rating | -11.2% |
| Fundamental | 56.2% |
| Dividend Rating | 64.6% |
| Return 12m vs S&P 500 | -9.84% |
| Analyst Rating | 3.0 of 5 |
AROW Dividends
| Dividend Yield 12m | 4.06% |
| Yield on Cost 5y | 4.90% |
| Annual Growth 5y | 3.20% |
| Payout Consistency | 93.4% |
| Payout Ratio | 54.3% |
AROW Growth Ratios
| Growth Correlation 3m | 81.6% |
| Growth Correlation 12m | -29.1% |
| Growth Correlation 5y | -28.8% |
| CAGR 5y | 0.42% |
| CAGR/Max DD 3y | 0.01 |
| CAGR/Mean DD 3y | 0.02 |
| Sharpe Ratio 12m | -0.40 |
| Alpha | -14.89 |
| Beta | 0.913 |
| Volatility | 28.65% |
| Current Volume | 48.8k |
| Average Volume 20d | 32k |
| Stop Loss | 27.9 (-3.8%) |
| Signal | -0.72 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (30.6m TTM) > 0 and > 6% of Revenue (6% = 13.3m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1702 % (prev -1428 %; Δ -273.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 35.4m > Net Income 30.6m (YES >=105%, WARN >=100%) |
| Net Debt (-41.0m) to EBITDA (28.8m) ratio: -1.42 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.01 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (16.6m) change vs 12m ago -0.95% (target <= -2.0% for YES) |
| Gross Margin 68.52% (prev 62.90%; Δ 5.63pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.14% (prev 5.00%; Δ 0.14pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.31 (EBITDA TTM 28.8m / Interest Expense TTM 80.3m) >= 6 (WARN >= 3) |
Altman Z'' -5.50
| (A) -0.86 = (Total Current Assets 41.0m - Total Current Liabilities 3.83b) / Total Assets 4.41b |
| (B) 0.02 = Retained Earnings (Balance) 85.0m / Total Assets 4.41b |
| (C) 0.01 = EBIT TTM 24.9m / Avg Total Assets 4.33b |
| (D) 0.02 = Book Value of Equity 96.1m / Total Liabilities 4.01b |
| Total Rating: -5.50 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.24
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 0.68% = 0.34 |
| 3. FCF Margin 13.14% = 3.29 |
| 4. Debt/Equity 9.44 = -2.50 |
| 5. Debt/Ebitda 133.8 = -2.50 |
| 6. ROIC - WACC 3.21% = 4.01 |
| 7. RoE 7.61% = 0.63 |
| 8. Rev. Trend 80.18% = 4.01 |
| 9. Rev. CAGR 7.72% = 0.97 |
| 10. EPS Trend -38.95% = -0.97 |
| 11. EPS CAGR -4.20% = -0.52 |
What is the price of AROW shares?
Over the past week, the price has changed by -1.02%, over one month by +0.94%, over three months by +12.08% and over the past year by +7.33%.
Is Arrow Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AROW is around 30.43 USD . This means that AROW is currently overvalued and has a potential downside of 4.93%.
Is AROW a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the AROW price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 28.5 | -1.7% |
| Analysts Target Price | 28.5 | -1.7% |
| ValueRay Target Price | 32.1 | 10.7% |
Last update: 2025-09-05 04:33
AROW Fundamental Data Overview
CCE Cash And Equivalents = 41.0m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 16.0328
P/S = 3.4411
P/B = 1.1857
P/EG = 2.41
Beta = 0.809
Revenue TTM = 222.5m USD
EBIT TTM = 24.9m USD
EBITDA TTM = 28.8m USD
Long Term Debt = 28.6m USD (from longTermDebt, last quarter)
Short Term Debt = 3.83b USD (from totalCurrentLiabilities, last fiscal year)
Debt = 3.86b USD (Calculated: Short Term 3.83b + Long Term 28.6m)
Net Debt = -41.0m USD (from netDebt column, last quarter)
Enterprise Value = 4.30b USD (483.2m + Debt 3.86b - CCE 41.0m)
Interest Coverage Ratio = 0.31 (Ebit TTM 24.9m / Interest Expense TTM 80.3m)
FCF Yield = 0.68% (FCF TTM 29.2m / Enterprise Value 4.30b)
FCF Margin = 13.14% (FCF TTM 29.2m / Revenue TTM 222.5m)
Net Margin = 13.74% (Net Income TTM 30.6m / Revenue TTM 222.5m)
Gross Margin = 68.52% ((Revenue TTM 222.5m - Cost of Revenue TTM 70.0m) / Revenue TTM)
Tobins Q-Ratio = 44.71 (Enterprise Value 4.30b / Book Value Of Equity 96.1m)
Interest Expense / Debt = 0.49% (Interest Expense 19.0m / Debt 3.86b)
Taxrate = 20.47% (7.65m / 37.4m)
NOPAT = 19.8m (EBIT 24.9m * (1 - 20.47%))
Current Ratio = 0.01 (Total Current Assets 41.0m / Total Current Liabilities 3.83b)
Debt / Equity = 9.44 (Debt 3.86b / last Quarter total Stockholder Equity 408.5m)
Debt / EBITDA = 133.8 (Net Debt -41.0m / EBITDA 28.8m)
Debt / FCF = 131.9 (Debt 3.86b / FCF TTM 29.2m)
Total Stockholder Equity = 401.8m (last 4 quarters mean)
RoA = 0.69% (Net Income 30.6m, Total Assets 4.41b )
RoE = 7.61% (Net Income TTM 30.6m / Total Stockholder Equity 401.8m)
RoCE = 5.78% (Ebit 24.9m / (Equity 401.8m + L.T.Debt 28.6m))
RoIC = 4.60% (NOPAT 19.8m / Invested Capital 430.4m)
WACC = 1.39% (E(483.2m)/V(4.34b) * Re(9.38%)) + (D(3.86b)/V(4.34b) * Rd(0.49%) * (1-Tc(0.20)))
Shares Correlation 3-Years: -29.01 | Cagr: -0.00%
Discount Rate = 9.38% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 69.42% ; FCFE base≈29.8m ; Y1≈24.0m ; Y5≈16.5m
Fair Price DCF = 14.90 (DCF Value 245.3m / Shares Outstanding 16.5m; 5y FCF grow -23.34% → 3.0% )
Revenue Correlation: 80.18 | Revenue CAGR: 7.72%
Rev Growth-of-Growth: -20.06
EPS Correlation: -38.95 | EPS CAGR: -4.20%
EPS Growth-of-Growth: 23.37
Additional Sources for AROW Stock
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