AROW Arrow Financial Corp

Price (delayed)

$26.35

Market cap

$440.51M

P/E Ratio

14.89

Dividend/share

$1.1

EPS

$1.77

Enterprise value

$319.57M

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 has shrunk by 74% QoQ and by 35% YoY
The equity has increased by 6% YoY
AROW's price to earnings (P/E) is 27% more than its 5-year quarterly average of 11.7
The company's net income fell by 10% QoQ

Key stats

What are the main financial stats of AROW
Market
Shares outstanding
16.72M
Market cap
$440.51M
Enterprise value
$319.57M
Valuations
Price to earnings (P/E)
14.89
Price to book (P/B)
1.1
Price to sales (P/S)
3.28
EV/EBIT
8.55
EV/EBITDA
7.48
EV/Sales
2.37
Earnings
Revenue
$134.63M
Gross profit
$134.63M
Operating income
$37.36M
Net income
$29.71M
EBIT
$37.36M
EBITDA
$42.72M
Free cash flow
$32.2M
Per share
EPS
$1.77
EPS diluted
$1.77
Free cash flow per share
$1.92
Book value per share
$23.95
Revenue per share
$8.04
TBVPS
$255.72
Balance sheet
Total assets
$4.31B
Total liabilities
$3.91B
Debt
$33.61M
Equity
$400.9M
Working capital
N/A
Liquidity
Debt to equity
0.08
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.83
Margins
EBITDA margin
31.7%
Gross margin
100%
Net margin
22.1%
Operating margin
27.7%
Efficiency
Return on assets
0.7%
Return on equity
7.6%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
27.7%
Dividend
Dividend yield
4.17%
DPS
$1.1
Payout ratio
62.1%

AROW stock price

How has the Arrow Financial stock price performed over time
Intraday
0.23%
1 week
0.65%
1 month
-2.52%
1 year
7.77%
YTD
-8.22%
QTD
0.23%

Financial performance

How have Arrow Financial's revenue and profit performed over time
Revenue
$134.63M
Gross profit
$134.63M
Operating income
$37.36M
Net income
$29.71M
Gross margin
100%
Net margin
22.1%
The company's net income fell by 10% QoQ
AROW's operating income is down by 10% since the previous quarter
AROW's operating margin is down by 9% since the previous quarter and by 3.5% year-on-year
The company's net margin fell by 9% QoQ and by 3.9% YoY

Growth

What is Arrow Financial's growth rate over time

Valuation

What is Arrow Financial stock price valuation
P/E
14.89
P/B
1.1
P/S
3.28
EV/EBIT
8.55
EV/EBITDA
7.48
EV/Sales
2.37
AROW's price to earnings (P/E) is 27% more than its 5-year quarterly average of 11.7
The company's EPS fell by 10% QoQ
AROW's P/B is 15% below its 5-year quarterly average of 1.3 and 8% below its last 4 quarters average of 1.2
The equity has increased by 6% YoY
The stock's price to sales (P/S) is 7% less than its 5-year quarterly average of 3.5 and 3.8% less than its last 4 quarters average of 3.4
The revenue has grown by 3.1% year-on-year

Efficiency

How efficient is Arrow Financial business performance
Arrow Financial's ROA has decreased by 13% from the previous quarter
The company's return on equity fell by 12% QoQ and by 7% YoY
The return on invested capital has declined by 10% since the previous quarter
The company's return on sales fell by 9% QoQ and by 3.5% YoY

Dividends

What is AROW's dividend history
DPS
$1.1
Dividend yield
4.17%
Payout ratio
62.1%
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% year-on-year but it is down by 2.8% since the previous quarter
Arrow Financial's total assets has increased by 3.3% YoY but it has decreased by 2.4% QoQ
The company's debt is 92% lower than its equity
AROW's debt to equity has shrunk by 76% QoQ and by 43% YoY
The company's debt has shrunk by 74% QoQ and by 35% YoY

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