AROW Arrow Financial Corp

Price (delayed)

$23.98

Market cap

$408.99M

P/E Ratio

11.87

Dividend/share

$1.06

EPS

$2.02

Enterprise value

$313.63M

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
The equity has increased by 4.2% YoY
The company's EPS fell by 27% YoY and by 11% QoQ
The company's net income fell by 27% YoY and by 11% QoQ

Key stats

What are the main financial stats of AROW
Market
Shares outstanding
17.06M
Market cap
$408.99M
Enterprise value
$313.63M
Valuations
Price to earnings (P/E)
11.87
Price to book (P/B)
1.14
Price to sales (P/S)
3.04
EV/EBIT
7.18
EV/EBITDA
6.23
EV/Sales
2.33
Earnings
Revenue
$134.33M
EBIT
$43.68M
EBITDA
$50.35M
Free cash flow
$40.99M
Per share
EPS
$2.02
Free cash flow per share
$2.4
Book value per share
$21.12
Revenue per share
$7.88
TBVPS
$249.26
Balance sheet
Total assets
$4.27B
Total liabilities
$3.91B
Debt
$199.38M
Equity
$360.01M
Working capital
N/A
Liquidity
Debt to equity
0.55
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.89
Margins
EBITDA margin
37.5%
Gross margin
100%
Net margin
25.6%
Operating margin
32.5%
Efficiency
Return on assets
0.8%
Return on equity
9.6%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
32.5%
Dividend
Dividend yield
4.44%
DPS
$1.06
Payout ratio
52.7%

AROW stock price

How has the Arrow Financial stock price performed over time
Intraday
2.61%
1 week
-0.95%
1 month
-11.94%
1 year
-18.97%
YTD
-14.17%
QTD
-14.17%

Financial performance

How have Arrow Financial's revenue and profit performed over time
Revenue
$134.33M
Gross profit
$134.33M
Operating income
$43.68M
Net income
$34.44M
Gross margin
100%
Net margin
25.6%
AROW's operating income is down by 28% year-on-year and by 12% since the previous quarter
The company's net income fell by 27% YoY and by 11% QoQ
AROW's operating margin is down by 24% year-on-year and by 9% since the previous quarter
The company's net margin fell by 22% YoY and by 9% QoQ

Growth

What is Arrow Financial's growth rate over time

Valuation

What is Arrow Financial stock price valuation
P/E
11.87
P/B
1.14
P/S
3.04
EV/EBIT
7.18
EV/EBITDA
6.23
EV/Sales
2.33
The company's EPS fell by 27% YoY and by 11% QoQ
AROW's price to earnings (P/E) is 26% more than its last 4 quarters average of 9.4 and 5% more than its 5-year quarterly average of 11.3
AROW's P/B is 19% below its 5-year quarterly average of 1.4 but 3.6% above its last 4 quarters average of 1.1
The equity has increased by 4.2% YoY
The stock's price to sales (P/S) is 18% less than its 5-year quarterly average of 3.7 but 9% more than its last 4 quarters average of 2.8
The revenue has declined by 6% year-on-year and by 2.9% since the previous quarter

Efficiency

How efficient is Arrow Financial business performance
The return on invested capital has declined by 31% year-on-year and by 8% since the previous quarter
The company's return on equity fell by 27% YoY and by 12% QoQ
Arrow Financial's ROA has decreased by 27% YoY and by 11% from the previous quarter
The company's return on sales fell by 24% YoY and by 9% QoQ

Dividends

What is AROW's dividend history
DPS
$1.06
Dividend yield
4.44%
Payout ratio
52.7%
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 4.6% since the previous quarter
Arrow Financial's total assets has increased by 4.1% QoQ
The company's debt is 45% lower than its equity
The equity has increased by 4.2% YoY

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