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Arrow Financial Corporation (AROW)

Stock Price: $28.68 USD -0.10 (-0.35%)
Updated Aug 14, 2020 10:51 AM EDT - Market open

Stock Price Chart

Key Info

Market Cap 430.63M
Revenue (ttm) 115.74M
Net Income (ttm) 37.09M
Shares Out 15.02M
EPS (ttm) 2.47
PE Ratio 11.61
Forward PE n/a
Dividend $1.04
Dividend Yield 3.63%

Stock Quote

Trading Day Aug 14, 2020
Last Price $28.68
Previous Close $28.78
Change ($) -0.10
Change (%) -0.35%
Day's Open 28.65
Day's Range 28.57 - 28.83
Day's Volume 3,197
52-Week Range 20.79 - 38.31

More Stats

Market Cap 430.63M
Enterprise Value 300.20M
Earnings Date (est) Oct 27, 2020
Ex-Dividend Date Jun 2, 2020
Shares Outstanding 15.02M
Float 14.50M
EPS (basic) 2.47
EPS (diluted) 2.47
FCF / Share 2.32
Dividend $1.04
Dividend Yield 3.63%
Earnings Yield 8.61%
FCF Yield 8.08%
Payout Ratio n/a
Shares Short 105,067
Short Ratio 3.16
Short % of Float 0.65%
Beta 0.58
PE Ratio 11.61
Forward PE n/a
P/FCF Ratio 12.37
PS Ratio 3.72
PB Ratio 1.31
Revenue 115.74M
Operating Income 46.85M
Net Income 37.09M
Free Cash Flow 34.81M
Net Cash 130.43M
Net Cash / Share 8.69
Gross Margin 98.95%
Operating Margin 40.48%
Profit Margin 32.00%
FCF Margin 30.08%
ROA 1.13%
ROE 12.32%
ROIC n/a
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$30.00*
Low
30.0
Current: $28.68
High
30.0
Target: 30.00
*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue11511010397.3692.7087.5684.0883.6883.2079.06
Revenue Growth3.77%7.61%5.34%5.02%5.87%4.15%0.48%0.58%5.22%-
Gross Profit11511010397.3692.7087.5684.0883.6883.2079.06
Operating Income47.0845.3139.8637.7535.2733.5330.8731.8433.2931.65
Net Income37.4836.2829.3326.5324.6623.3621.8022.1821.9321.89
Shares Outstanding14.9414.8414.7414.6314.5114.4714.4014.3414.3014.14
Earnings Per Share2.502.431.981.811.701.611.511.541.531.54
EPS Growth2.88%22.73%9.63%6.42%5.34%6.69%-2.08%0.85%-0.78%-
Dividend Per Share1.020.970.920.900.880.860.840.830.800.78
Dividend Growth4.95%5.1%3.02%2.29%1.98%2.02%1.94%2.74%2.95%-
Operating Cash Flow43.9441.9837.8334.7028.9330.6436.6732.4636.0910.22
Capital Expenditures-6.27-3.28-1.190.550.28-0.23-0.44-6.81-4.60-0.47
Free Cash Flow37.6738.7036.6335.2529.2130.4136.2325.6531.489.75
Cash & Equivalents70.2284.2472.8457.3651.0746.3049.9848.8343.7431.08
Total Debt23635424523418090.4210591.68128203
Net Cash / Debt-166-269-172-176-129-44.13-54.80-42.85-84.56-172
Assets3,1842,9882,7602,6052,4462,2172,1642,0231,9631,908
Liabilities2,8832,7192,5112,3722,2322,0161,9721,8471,7961,756
Book Value302270250233214201192176166152
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Arrow Financial Corporation
Country United States
Employees 520
CEO Thomas J. Murphy

Stock Information

Ticker Symbol AROW
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: AROW

Description

Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and improvements to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses. In addition, it maintains an indirect lending program; and sells residential real estate loan originations into the secondary market. Further, the company provides retirement planning, trust, and estate administration services for individuals; and pension, profit-sharing, and employee benefit plan administration services for corporations. Additionally, it offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. The company operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, as well as surrounding areas. It owns twenty-seven branch banking offices; and leases thirteen branch banking offices, as well as two residential loan origination offices. The company was founded in 1851 and is headquartered in Glens Falls, New York.