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Price (delayed)
$29
Market cap
$485.43M
P/E Ratio
14.72
Dividend/share
$1.36
EPS
$1.97
Enterprise value
$273.96M
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 company's debt fell by 35% YoY and by 2.2% QoQ
The equity has increased by 9% YoY and by 2.7% from the previous quarter
The company's net income fell by 4.3% YoY but it rose by 3.9% QoQ
AROW's price to earnings (P/E) is 27% more than its 5-year quarterly average of 11.6
Key stats
What are the main financial stats of AROW
Market
Valuations
Earnings
Shares outstanding
16.74M
Market cap
$485.43M
Enterprise value
$273.96M
Price to earnings (P/E)
14.72
Price to book (P/B)
1.23
Price to sales (P/S)
3.56
EV/EBIT
6.6
EV/EBITDA
5.79
EV/Sales
2.01
Revenue
$136.14M
Gross profit
$136.14M
Net income
$32.96M
EBIT
$41.52M
EBITDA
$47.28M
Free cash flow
$11.27M
Per share
Balance sheet
Liquidity
EPS
$1.97
EPS diluted
$1.96
Free cash flow per share
$0.67
Book value per share
$23.51
Revenue per share
$8.15
TBVPS
$262.45
Total assets
$4.41B
Total liabilities
$4.02B
Debt
$128.62M
Equity
$393.31M
Working capital
N/A
Debt to equity
0.33
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.47
Margins
Efficiency
Dividend
EBITDA margin
34.7%
Gross margin
100%
Net margin
24.2%
Operating margin
30.5%
Return on assets
0.8%
Return on equity
8.6%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
30.5%
Dividend yield
4.69%
DPS
$1.36
Payout ratio
69%
AROW stock price
How has the Arrow Financial stock price performed over time
Intraday
1.22%
1 week
-6.84%
1 month
-10.47%
1 year
2.15%
YTD
3.79%
QTD
1.19%
Financial performance
How have Arrow Financial's revenue and profit performed over time
Revenue
$136.14M
Gross profit
$136.14M
Operating income
$41.52M
Net income
$32.96M
Gross margin
100%
Net margin
24.2%
AROW's operating margin is down by 6% year-on-year but it is up by 3% since the previous quarter
AROW's operating income is up by 5% since the previous quarter but it is down by 5% year-on-year
The company's net margin fell by 5% YoY
The company's net income fell by 4.3% YoY but it rose by 3.9% QoQ
Growth
What is Arrow Financial's growth rate over time
Valuation
What is Arrow Financial stock price valuation
P/E
14.72
P/B
1.23
P/S
3.56
EV/EBIT
6.6
EV/EBITDA
5.79
EV/Sales
2.01
AROW's price to earnings (P/E) is 27% more than its 5-year quarterly average of 11.6
The company's EPS rose by 4.2% QoQ
The equity has increased by 9% YoY and by 2.7% from the previous quarter
AROW's P/B is 5% below its 5-year quarterly average of 1.3 but 2.5% above its last 4 quarters average of 1.2
The stock's price to sales (P/S) is 4.7% more than its last 4 quarters average of 3.4
Efficiency
How efficient is Arrow Financial business performance
Arrow Financial's ROA has increased by 14% from the previous quarter
The company's return on equity fell by 10% YoY
The return on invested capital has declined by 9% year-on-year
The company's return on sales fell by 6% YoY but it rose by 3% QoQ
Dividends
What is AROW's dividend history
DPS
$1.36
Dividend yield
4.69%
Payout ratio
69%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Arrow Financial financials performed over time
Arrow Financial's total assets is 10% higher than its total liabilities
AROW's total liabilities is up by 4.1% since the previous quarter and by 2.7% year-on-year
Arrow Financial's total assets has increased by 3.9% QoQ and by 3.2% YoY
The company's debt is 67% lower than its equity
AROW's debt to equity is down by 40% YoY and by 2.9% QoQ
The company's debt fell by 35% YoY and by 2.2% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.