AROW Arrow Financial Corp
Price (delayed)
$24.64
Market cap
$411.92M
P/E Ratio
13.92
Dividend/share
$1.1
EPS
$1.77
Enterprise value
$290.98M
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 15% more than its 5-year quarterly average of 11.7 but 9% less than its last 4 quarters average of 14.8
The company's net income fell by 10% QoQ
The company's EPS fell by 10% QoQ
Key stats
What are the main financial stats of AROW
Market
Valuations
Earnings
Shares outstanding
16.72M
Market cap
$411.92M
Enterprise value
$290.98M
Price to earnings (P/E)
13.92
Price to book (P/B)
1.03
Price to sales (P/S)
3.06
EV/EBIT
7.79
EV/EBITDA
6.81
EV/Sales
2.16
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
Balance sheet
Liquidity
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
Total assets
$4.31B
Total liabilities
$3.91B
Debt
$33.61M
Equity
$400.9M
Working capital
N/A
Debt to equity
0.08
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.83
Margins
Efficiency
Dividend
EBITDA margin
31.7%
Gross margin
100%
Net margin
22.1%
Operating margin
27.7%
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 yield
4.46%
DPS
$1.1
Payout ratio
62.1%
AROW stock price
How has the Arrow Financial stock price performed over time
Intraday
3.88%
1 week
0.78%
1 month
-4.09%
1 year
7.13%
YTD
-14.18%
QTD
-6.28%
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%
AROW's operating income is down by 10% since the previous quarter
The company's net income fell by 10% QoQ
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
13.92
P/B
1.03
P/S
3.06
EV/EBIT
7.79
EV/EBITDA
6.81
EV/Sales
2.16
AROW's price to earnings (P/E) is 15% more than its 5-year quarterly average of 11.7 but 9% less than its last 4 quarters average of 14.8
The company's EPS fell by 10% QoQ
AROW's P/B is 24% below its 5-year quarterly average of 1.3 and 18% 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 16% less than its 5-year quarterly average of 3.5 and 13% 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
4.46%
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.