AROW Arrow Financial Corp

Price (delayed)

$35.7

Market cap

$555.25M

P/E Ratio

12.02

Dividend/share

$1.03

EPS

$2.97

Enterprise value

$180.05M

Highlights
The company's debt fell by 42% YoY and by 12% QoQ
The company's net income rose by 25% YoY and by 13% QoQ
AROW's price to earnings (P/E) is 15% less than its 5-year quarterly average of 14.3 but 8% more than its last 4 quarters average of 11.2

Key stats

What are the main financial stats of AROW
Market
Shares outstanding
15.55M
Market cap
$555.25M
Enterprise value
$180.05M
Valuations
Price to earnings (P/E)
12.02
Price to book (P/B)
1.62
Price to sales (P/S)
4.26
EV/EBIT
3.08
EV/EBITDA
2.74
EV/Sales
1.38
Earnings
Revenue
$130.02M
EBIT
$58.42M
EBITDA
$65.64M
Free cash flow
$45.89M
Per share
EPS
$2.97
Free cash flow per share
$2.96
Book value per share
$22.05
Revenue per share
$8.37
TBVPS
$249.86
Balance sheet
Total assets
$3.9B
Total liabilities
$3.56B
Debt
$77M
Equity
$342.41M
Working capital
N/A
Liquidity
Debt to equity
0.22
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.72
Margins
EBITDA margin
50.5%
Gross margin
100%
Net margin
35.4%
Operating margin
44.9%
Efficiency
Return on assets
1.2%
Return on equity
13.9%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
44.9%
Dividend
Dividend yield
2.89%
DPS
$1.03
Payout ratio
34.7%

AROW stock price

How has the Arrow Financial stock price performed over time
Intraday
-0.81%
1 week
-1.24%
1 month
-0.72%
1 year
31.98%
YTD
19.36%
QTD
-0.7%

Financial performance

How have Arrow Financial's revenue and profit performed over time
Revenue
$130.02M
Gross profit
$130.02M
Operating income
$58.42M
Net income
$45.98M
Gross margin
100%
Net margin
35.4%
AROW's operating income is up by 26% year-on-year and by 13% since the previous quarter
The company's net income rose by 25% YoY and by 13% QoQ
Arrow Financial's gross profit has increased by 13% YoY and by 6% QoQ
The revenue has grown by 13% year-on-year and by 6% since the previous quarter

Growth

What is Arrow Financial's growth rate over time

Valuation

What is Arrow Financial stock price valuation
P/E
12.02
P/B
1.62
P/S
4.26
EV/EBIT
3.08
EV/EBITDA
2.74
EV/Sales
1.38
The company's EPS rose by 24% YoY and by 13% QoQ
AROW's price to earnings (P/E) is 15% less than its 5-year quarterly average of 14.3 but 8% more than its last 4 quarters average of 11.2
AROW's P/B is 16% above its last 4 quarters average of 1.4 but 9% below its 5-year quarterly average of 1.8
The equity has increased by 11% YoY and by 2.4% from the previous quarter
The stock's price to sales (P/S) is 16% more than its last 4 quarters average of 3.7 but 2.3% less than its 5-year quarterly average of 4.4
The revenue has grown by 13% year-on-year and by 6% since the previous quarter

Efficiency

How efficient is Arrow Financial business performance
The return on invested capital has grown by 21% year-on-year and by 13% since the previous quarter
The company's return on equity rose by 12% YoY and by 9% QoQ
The company's return on sales rose by 11% YoY and by 6% QoQ
Arrow Financial's ROA has increased by 9% from the previous quarter

Dividends

What is AROW's dividend history
DPS
$1.03
Dividend yield
2.89%
Payout ratio
34.7%
Recent dividends

Financial health

How did Arrow Financial financials performed over time
Arrow Financial's total assets is 10% higher than its total liabilities
Arrow Financial's total assets has increased by 19% YoY and by 6% QoQ
AROW's total liabilities is up by 19% year-on-year and by 6% since the previous quarter
The company's debt is 78% lower than its equity
AROW's debt to equity is down by 49% YoY and by 15% QoQ
The company's debt fell by 42% YoY and by 12% QoQ

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