AROW Arrow Financial Corp

Price (delayed)

$20.04

Market cap

$331.23M

P/E Ratio

7.03

Dividend/share

$1.07

EPS

$2.85

Enterprise value

$7.94M

Arrow Financial Corporation is a multi-bank holding company headquartered in Glens Falls, New York, serving the financial needs of northeastern New York. The Company is the parent of Glens Falls ...

Highlights
AROW's price to earnings (P/E) is 48% less than its 5-year quarterly average of 12.2 and 40% less than its last 4 quarters average of 10.7
The company's debt fell by 31% YoY
The company's net income fell by 10% YoY
The company's EPS fell by 10% YoY

Key stats

What are the main financial stats of AROW
Market
Shares outstanding
16.53M
Market cap
$331.23M
Enterprise value
$7.94M
Valuations
Price to earnings (P/E)
7.03
Price to book (P/B)
0.96
Price to sales (P/S)
2.32
EV/EBIT
0.13
EV/EBITDA
0.12
EV/Sales
0.06
Earnings
Revenue
$142.34M
EBIT
$60.74M
EBITDA
$68.52M
Free cash flow
$48.14M
Per share
EPS
$2.85
Free cash flow per share
$2.92
Book value per share
$20.93
Revenue per share
$8.62
TBVPS
$254.92
Balance sheet
Total assets
$4.23B
Total liabilities
$3.89B
Debt
$50.13M
Equity
$345.55M
Working capital
N/A
Liquidity
Debt to equity
0.15
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.72
Margins
EBITDA margin
48.1%
Gross margin
100%
Net margin
33%
Operating margin
42.7%
Efficiency
Return on assets
1.1%
Return on equity
13.1%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
42.7%
Dividend
Dividend yield
5.35%
DPS
$1.07
Payout ratio
37.6%

AROW stock price

How has the Arrow Financial stock price performed over time
Intraday
10.11%
1 week
3.67%
1 month
-1.13%
1 year
-38.01%
YTD
-40.88%
QTD
-19.55%

Financial performance

How have Arrow Financial's revenue and profit performed over time
Revenue
$142.34M
Gross profit
$142.34M
Operating income
$60.74M
Net income
$47.02M
Gross margin
100%
Net margin
33%
AROW's operating income is down by 10% year-on-year and by 2% since the previous quarter
The company's net income fell by 10% YoY
The company's net margin fell by 10% YoY and by 2.4% QoQ
AROW's operating margin is down by 9% year-on-year and by 2.5% since the previous quarter

Growth

What is Arrow Financial's growth rate over time

Valuation

What is Arrow Financial stock price valuation
P/E
7.03
P/B
0.96
P/S
2.32
EV/EBIT
0.13
EV/EBITDA
0.12
EV/Sales
0.06
AROW's price to earnings (P/E) is 48% less than its 5-year quarterly average of 12.2 and 40% less than its last 4 quarters average of 10.7
The company's EPS fell by 10% YoY
AROW's P/B is 46% below its 5-year quarterly average of 1.6 and 38% below its last 4 quarters average of 1.4
The equity has decreased by 4.1% YoY and by 3.1% from the previous quarter
The stock's price to sales (P/S) is 49% less than its 5-year quarterly average of 4.1 and 41% less than its last 4 quarters average of 3.6

Efficiency

How efficient is Arrow Financial business performance
The return on invested capital has declined by 16% year-on-year and by 6% since the previous quarter
Arrow Financial's ROA has decreased by 15% YoY and by 8% from the previous quarter
The company's return on equity fell by 13% YoY
The company's return on sales fell by 9% YoY and by 2.5% QoQ

Dividends

What is AROW's dividend history
DPS
$1.07
Dividend yield
5.35%
Payout ratio
37.6%
Recent dividends

Financial health

How did Arrow Financial financials performed over time
Arrow Financial's total assets is 9% higher than its total liabilities
AROW's total liabilities is up by 7% since the previous quarter and by 4.8% year-on-year
Arrow Financial's total assets has increased by 6% QoQ and by 4% YoY
The company's debt is 85% lower than its equity
The company's debt fell by 31% YoY
AROW's debt to equity is down by 25% YoY but it is up by 7% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.