Arrow Financial Corporation (AROW)

Arrow Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Year Ending	Current	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	489	477	560	565	463	566
Market Cap Growth	0.59%	-14.96%	-0.74%	21.83%	-18.15%	22.33%
Enterprise Value	339	386	576	177	170	732
PE Ratio	17.04	15.85	11.48	11.32	11.35	15.11
PS Ratio	3.73	3.65	3.88	3.96	3.78	4.94
PB Ratio	1.29	1.25	1.59	1.52	1.39	1.88
P/FCF Ratio	33.37	29.40	11.94	9.02	11.68	15.03
P/OCF Ratio	27.64	23.15	9.38	8.28	10.95	12.88
EV/Sales Ratio	2.58	2.95	3.98	1.24	1.39	6.39
EV/EBITDA Ratio	7.94	8.72	8.17	2.45	2.90	13.93
EV/EBIT Ratio	9.33	10.28	9.15	2.75	3.28	15.55
EV/FCF Ratio	23.08	23.79	12.26	2.83	4.29	19.44
Debt / Equity Ratio	0.35	0.14	0.23	0.19	0.26	0.78
Debt / EBITDA Ratio	3.08	1.17	1.13	0.97	1.49	4.50
Debt / FCF Ratio	8.97	3.18	1.70	1.12	2.21	6.27
Asset Turnover	0.03	0.03	0.04	0.04	0.03	0.04
Return on Equity (ROE)	7.90%	8.20%	13.80%	14.00%	12.70%	13.00%
Return on Assets (ROA)	0.70%	0.70%	1.20%	1.30%	1.10%	1.20%
Return on Capital (ROIC)	5.73%	6.97%	11.26%	11.30%	9.67%	6.96%
Earnings Yield	5.96%	6.31%	8.71%	8.83%	8.81%	6.62%
FCF Yield	3.00%	3.40%	8.38%	11.09%	8.56%	6.65%
Dividend Yield	3.69%	3.80%	3.10%	2.90%	3.40%	2.70%
Payout Ratio	62.79%	59.70%	35.90%	32.70%	38.50%	40.60%
Buyback Yield / Dilution	1.13%	0.13%	-0.04%	-0.81%	-0.30%	-0.41%
Total Shareholder Return	4.82%	3.93%	3.06%	2.09%	3.10%	2.29%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).