AROW Arrow Financial Corp

Price (delayed)

$31.01

Market cap

$517.81M

P/E Ratio

18.03

Dividend/share

$1.07

EPS

$1.72

Enterprise value

$366.9M

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 equity has increased by 4% YoY
The company's debt has surged by 155% QoQ but it fell by 22% YoY
AROW's price to earnings (P/E) is 54% more than its 5-year quarterly average of 11.4 and 47% more than its last 4 quarters average of 11.9
The company's net income fell by 35% YoY and by 3% QoQ

Key stats

What are the main financial stats of AROW
Market
Shares outstanding
16.7M
Market cap
$517.81M
Enterprise value
$366.9M
Valuations
Price to book (P/B)
1.36
Price to sales (P/S)
3.99
EV/EBIT
10.11
EV/EBITDA
8.6
EV/Sales
2.8
Earnings
Revenue
$131.05M
EBIT
$36.28M
EBITDA
$42.66M
Free cash flow
$14.67M
Per share
EPS
$1.72
Free cash flow per share
$0.87
Book value per share
$22.83
Revenue per share
$7.77
TBVPS
$255.6
Balance sheet
Total assets
$4.33B
Total liabilities
$3.96B
Debt
$131.55M
Equity
$377.99M
Working capital
N/A
Liquidity
Debt to equity
0.35
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.54
Margins
EBITDA margin
32.6%
Gross margin
100%
Net margin
22.3%
Operating margin
27.7%
Efficiency
Return on assets
0.7%
Return on equity
7.9%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
27.7%
Dividend
Dividend yield
3.46%
DPS
$1.07
Payout ratio
62.3%

AROW stock price

How has the Arrow Financial stock price performed over time
Intraday
2.75%
1 week
3.4%
1 month
25.9%
1 year
50.31%
YTD
10.99%
QTD
19.04%

Financial performance

How have Arrow Financial's revenue and profit performed over time
Revenue
$131.05M
Gross profit
$131.05M
Operating income
$36.28M
Net income
$29.17M
Gross margin
100%
Net margin
22.3%
AROW's operating income is down by 37% year-on-year and by 3.3% since the previous quarter
The company's net income fell by 35% YoY and by 3% QoQ
AROW's operating margin is down by 31% year-on-year and by 3.5% since the previous quarter
The company's net margin fell by 29% YoY and by 3% QoQ

Growth

What is Arrow Financial's growth rate over time

Valuation

What is Arrow Financial stock price valuation
P/E
18.03
P/B
1.36
P/S
3.99
EV/EBIT
10.11
EV/EBITDA
8.6
EV/Sales
2.8
AROW's price to earnings (P/E) is 54% more than its 5-year quarterly average of 11.4 and 47% more than its last 4 quarters average of 11.9
The company's EPS fell by 34% YoY and by 2.8% QoQ
AROW's P/B is 32% above its last 4 quarters average of 1.0 but 6% below its 5-year quarterly average of 1.4
The equity has increased by 4% YoY
The stock's price to sales (P/S) is 34% more than its last 4 quarters average of 2.9 and 8% more than its 5-year quarterly average of 3.6
The revenue has declined by 8% year-on-year

Efficiency

How efficient is Arrow Financial business performance
The return on invested capital has declined by 40% year-on-year
The company's return on equity fell by 37% YoY and by 3.7% QoQ
Arrow Financial's ROA has decreased by 36% YoY
The company's return on sales fell by 31% YoY and by 3.5% QoQ

Dividends

What is AROW's dividend history
DPS
$1.07
Dividend yield
3.46%
Payout ratio
62.3%
Recent dividends

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 5% year-on-year and by 4.4% since the previous quarter
Arrow Financial's total assets has increased by 5% YoY and by 3.9% QoQ
The company's debt is 65% lower than its equity
The company's debt has surged by 155% QoQ but it fell by 22% YoY
AROW's debt to equity has soared by 150% QoQ but it is down by 24% YoY

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