AROW Arrow Financial Corp

Price (delayed)

$35.36

Market cap

$566.71M

P/E Ratio

11.87

Dividend/share

$1.05

EPS

$2.98

Enterprise value

$399.6M

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 32% YoY
Arrow Financial's gross profit has increased by 2.9% YoY
AROW's price to earnings (P/E) is 11% more than its last 4 quarters average of 10.8 but 7% less than its 5-year quarterly average of 12.9
The company's EPS fell by 4.8% YoY and by 2.6% QoQ
The company's net income fell by 4.5% YoY and by 2.7% QoQ

Key stats

What are the main financial stats of AROW
Market
Shares outstanding
16.03M
Market cap
$566.71M
Enterprise value
$399.6M
Valuations
Price to earnings (P/E)
11.87
Price to book (P/B)
1.59
Price to sales (P/S)
4
EV/EBIT
6.45
EV/EBITDA
5.73
EV/Sales
2.82
Earnings
Revenue
$141.56M
EBIT
$61.99M
EBITDA
$69.7M
Free cash flow
$49.52M
Per share
EPS
$2.98
Free cash flow per share
$3.09
Book value per share
$22.26
Revenue per share
$8.84
TBVPS
$247.76
Balance sheet
Total assets
$3.99B
Total liabilities
$3.63B
Debt
$50.14M
Equity
$356.5M
Working capital
N/A
Liquidity
Debt to equity
0.14
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.4
Margins
EBITDA margin
49.2%
Gross margin
100%
Net margin
33.8%
Operating margin
43.8%
Efficiency
Return on assets
1.2%
Return on equity
13.2%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
43.8%
Dividend
Dividend yield
2.98%
DPS
$1.05
Payout ratio
35.3%

AROW stock price

How has the Arrow Financial stock price performed over time
Intraday
-0.92%
1 week
3.79%
1 month
9.17%
1 year
0.5%
YTD
0.37%
QTD
11.16%

Financial performance

How have Arrow Financial's revenue and profit performed over time
Revenue
$141.56M
Gross profit
$141.56M
Operating income
$61.99M
Net income
$47.85M
Gross margin
100%
Net margin
33.8%
The company's net margin fell by 7% YoY and by 2.3% QoQ
AROW's operating margin is down by 6% year-on-year and by 2.4% since the previous quarter
The company's net income fell by 4.5% YoY and by 2.7% QoQ
Arrow Financial's gross profit has increased by 2.9% YoY

Growth

What is Arrow Financial's growth rate over time

Valuation

What is Arrow Financial stock price valuation
P/E
11.87
P/B
1.59
P/S
4
EV/EBIT
6.45
EV/EBITDA
5.73
EV/Sales
2.82
AROW's price to earnings (P/E) is 11% more than its last 4 quarters average of 10.8 but 7% less than its 5-year quarterly average of 12.9
The company's EPS fell by 4.8% YoY and by 2.6% QoQ
AROW's P/B is 7% above its last 4 quarters average of 1.5
The stock's price to sales (P/S) is 6% more than its last 4 quarters average of 3.8 but 3.8% less than its 5-year quarterly average of 4.2
The revenue has grown by 2.9% year-on-year

Efficiency

How efficient is Arrow Financial business performance
The company's return on equity fell by 11% YoY and by 2.9% QoQ
The return on invested capital has declined by 11% year-on-year and by 6% since the previous quarter
Arrow Financial's ROA has decreased by 8% YoY
The company's return on sales fell by 6% YoY and by 2.4% QoQ

Dividends

What is AROW's dividend history
DPS
$1.05
Dividend yield
2.98%
Payout ratio
35.3%
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 down by 4.3% since the previous quarter but it is up by 2.6% year-on-year
Arrow Financial's total assets has decreased by 4% QoQ but it has increased by 2.4% YoY
The company's debt is 86% lower than its equity
AROW's debt to equity is down by 33% YoY
The company's debt fell by 32% YoY

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