Have a feature idea you'd love to see implemented? Let us know!

AROW Arrow Financial Corp

Price (delayed)

$32.7

Market cap

$547.36M

P/E Ratio

16.6

Dividend/share

$1.36

EPS

$1.97

Enterprise value

$335.9M

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 42% more than its 5-year quarterly average of 11.6 and 12% more than its last 4 quarters average of 14.7

Key stats

What are the main financial stats of AROW
Market
Shares outstanding
16.74M
Market cap
$547.36M
Enterprise value
$335.9M
Valuations
Price to book (P/B)
1.39
Price to sales (P/S)
4.01
EV/EBIT
8.09
EV/EBITDA
7.1
EV/Sales
2.47
Earnings
Revenue
$136.14M
EBIT
$41.52M
EBITDA
$47.28M
Free cash flow
$11.27M
Per share
EPS
$1.97
Free cash flow per share
$0.67
Book value per share
$23.51
Revenue per share
$8.15
TBVPS
$262.45
Balance sheet
Total assets
$4.41B
Total liabilities
$4.02B
Debt
$128.62M
Equity
$393.31M
Working capital
N/A
Liquidity
Debt to equity
0.33
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.47
Margins
EBITDA margin
34.7%
Gross margin
100%
Net margin
24.2%
Operating margin
30.5%
Efficiency
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
Dividend yield
4.16%
DPS
$1.36
Payout ratio
69%

AROW stock price

How has the Arrow Financial stock price performed over time
Intraday
0.74%
1 week
-0.91%
1 month
13.62%
1 year
24.76%
YTD
17.04%
QTD
14.1%

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
The company's net margin fell by 5% YoY
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 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
16.6
P/B
1.39
P/S
4.01
EV/EBIT
8.09
EV/EBITDA
7.1
EV/Sales
2.47
AROW's price to earnings (P/E) is 42% more than its 5-year quarterly average of 11.6 and 12% more than its last 4 quarters average of 14.7
The company's EPS rose by 4.2% QoQ
AROW's P/B is 15% above its last 4 quarters average of 1.2 and 6% above its 5-year quarterly average of 1.3
The equity has increased by 9% YoY and by 2.7% from the previous quarter
The stock's price to sales (P/S) is 17% more than its last 4 quarters average of 3.4 and 14% more than its 5-year quarterly average of 3.5

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
4.16%
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
Arrow Financial's total assets has increased by 3.9% QoQ and by 3.2% YoY
AROW's total liabilities is up by 4.1% since the previous quarter and by 2.7% year-on-year
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.