AROW Arrow Financial Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: AROW

Price (delayed)

$21.9

Market cap

$362.51M

P/E Ratio

12.37

Dividend/share

$1.06

EPS

$1.77

Enterprise value

$271.54M

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 7% YoY and by 5% from the previous quarter
The company's net income fell by 38% YoY and by 13% QoQ
The company's EPS fell by 38% YoY and by 12% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.arrowfinancial.com
Peers: CBU NBTB TMP EVBN

Key stats

What are the main financial stats of AROW
Market
Shares outstanding
16.55M
Market cap
$362.51M
Enterprise value
$271.54M
Valuations
Price to earnings (P/E)
12.37
Price to book (P/B)
0.98
Price to sales (P/S)
2.86
EV/EBIT
7.24
EV/EBITDA
6.14
EV/Sales
2.08
Earnings
Revenue
$130.57M
EBIT
$37.52M
EBITDA
$44.24M
Free cash flow
$16.21M
Per share
EPS
$1.77
Free cash flow per share
$0.95
Book value per share
$22.27
Revenue per share
$7.66
TBVPS
$243.4
Balance sheet
Total assets
$4.17B
Total liabilities
$3.79B
Debt
$51.57M
Equity
$379.77M
Working capital
N/A
Liquidity
Debt to equity
0.14
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.06
Margins
EBITDA margin
33.9%
Gross margin
100%
Net margin
23%
Operating margin
28.7%
Efficiency
Return on assets
0.7%
Return on equity
8.2%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
28.7%
Dividend
Dividend yield
4.86%
DPS
$1.06
Payout ratio
60.1%

AROW stock price

How has the Arrow Financial stock price performed over time
Intraday
0.88%
1 week
-1.88%
1 month
-7.87%
1 year
-0.59%
YTD
-21.62%
QTD
-12.47%

Financial performance

How have Arrow Financial's revenue and profit performed over time
Revenue
$130.57M
Gross profit
$130.57M
Operating income
$37.52M
Net income
$30.08M
Gross margin
100%
Net margin
23%
AROW's operating income is down by 40% year-on-year and by 14% since the previous quarter
The company's net income fell by 38% YoY and by 13% QoQ
AROW's operating margin is down by 34% year-on-year and by 12% since the previous quarter
The company's net margin fell by 32% YoY and by 10% QoQ

Growth

What is Arrow Financial's growth rate over time

Valuation

What is Arrow Financial stock price valuation
P/E
12.37
P/B
0.98
P/S
2.86
EV/EBIT
7.24
EV/EBITDA
6.14
EV/Sales
2.08
The company's EPS fell by 38% YoY and by 12% QoQ
AROW's price to earnings (P/E) is 17% more than its last 4 quarters average of 10.5 and 8% more than its 5-year quarterly average of 11.4
AROW's P/B is 31% below its 5-year quarterly average of 1.4 and 3% below its last 4 quarters average of 1.0
The equity has increased by 7% YoY and by 5% from the previous quarter
The stock's price to sales (P/S) is 24% less than its 5-year quarterly average of 3.7
The revenue has declined by 10% year-on-year and by 2.8% since the previous quarter

Efficiency

How efficient is Arrow Financial business performance
The return on invested capital has declined by 44% year-on-year and by 18% since the previous quarter
Arrow Financial's ROA has decreased by 42% YoY and by 13% from the previous quarter
The company's return on equity fell by 41% YoY and by 15% QoQ
The company's return on sales fell by 34% YoY and by 12% QoQ

Dividends

What is AROW's dividend history
Dividend details
DPS
$1.06
Dividend yield
4.86%
Payout ratio
60.1%
Recent dividends

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 5% YoY but it has decreased by 2.4% QoQ
AROW's total liabilities is up by 4.8% year-on-year but it is down by 3.1% since the previous quarter
The company's debt is 86% lower than its equity
AROW's debt to equity has shrunk by 75% QoQ and by 39% 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.