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Price (delayed)
$28.74
Market cap
$480.9M
P/E Ratio
15.21
Dividend/share
$1.36
EPS
$1.89
Enterprise value
$412.24M
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 33% YoY
The equity has increased by 6% YoY
The company's net income fell by 18% YoY but it rose by 9% QoQ
The company's EPS fell by 17% YoY but it rose by 10% QoQ
AROW's price to earnings (P/E) is 33% more than its 5-year quarterly average of 11.4 and 16% more than its last 4 quarters average of 13.1
Arrow Financial's gross profit has decreased by 3.4% YoY
Key stats
What are the main financial stats of AROW
Market
Valuations
Earnings
Shares outstanding
16.73M
Market cap
$480.9M
Enterprise value
$412.24M
Price to earnings (P/E)
15.21
Price to book (P/B)
1.25
Price to sales (P/S)
3.59
EV/EBIT
10.42
EV/EBITDA
9.06
EV/Sales
3.09
Revenue
$133.55M
EBIT
$39.55M
EBITDA
$45.48M
Free cash flow
$13.21M
Per share
Balance sheet
Liquidity
EPS
$1.89
Free cash flow per share
$0.79
Book value per share
$22.94
Revenue per share
$8
TBVPS
$253.02
Total assets
$4.24B
Total liabilities
$3.86B
Debt
$131.54M
Equity
$383.02M
Working capital
N/A
Debt to equity
0.34
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.51
Margins
Efficiency
Dividend
EBITDA margin
34.1%
Gross margin
100%
Net margin
23.8%
Operating margin
29.6%
Return on assets
0.7%
Return on equity
8.5%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
29.6%
Dividend yield
4.73%
DPS
$1.36
Payout ratio
72%
AROW stock price
How has the Arrow Financial stock price performed over time
Intraday
-0.66%
1 week
-3.98%
1 month
0.03%
1 year
58%
YTD
2.86%
QTD
0.28%
Financial performance
How have Arrow Financial's revenue and profit performed over time
Revenue
$133.55M
Gross profit
$133.55M
Operating income
$39.55M
Net income
$31.73M
Gross margin
100%
Net margin
23.8%
AROW's operating income is down by 20% year-on-year but it is up by 9% since the previous quarter
The company's net income fell by 18% YoY but it rose by 9% QoQ
AROW's operating margin is down by 18% year-on-year but it is up by 7% since the previous quarter
The company's net margin fell by 15% YoY but it rose by 7% QoQ
Growth
What is Arrow Financial's growth rate over time
Valuation
What is Arrow Financial stock price valuation
P/E
15.21
P/B
1.25
P/S
3.59
EV/EBIT
10.42
EV/EBITDA
9.06
EV/Sales
3.09
AROW's price to earnings (P/E) is 33% more than its 5-year quarterly average of 11.4 and 16% more than its last 4 quarters average of 13.1
The company's EPS fell by 17% YoY but it rose by 10% QoQ
AROW's P/B is 14% above its last 4 quarters average of 1.1 but 3.8% below its 5-year quarterly average of 1.3
The equity has increased by 6% YoY
The stock's price to sales (P/S) is 16% more than its last 4 quarters average of 3.1 and 2.6% more than its 5-year quarterly average of 3.5
The revenue has declined by 3.4% year-on-year
Efficiency
How efficient is Arrow Financial business performance
The company's return on equity fell by 22% YoY but it rose by 8% QoQ
Arrow Financial's ROA has decreased by 22% YoY
The company's return on sales fell by 18% YoY but it rose by 7% QoQ
The return on invested capital has declined by 17% year-on-year but it has grown by 11% since the previous quarter
Dividends
What is AROW's dividend history
DPS
$1.36
Dividend yield
4.73%
Payout ratio
72%
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 3.2% year-on-year but it is down by 2.4% since the previous quarter
Arrow Financial's total assets has increased by 3.4% YoY but it has decreased by 2.1% QoQ
The company's debt is 66% lower than its equity
AROW's debt to equity is down by 37% YoY and by 2.9% QoQ
The company's debt fell by 33% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.