Arrow Financial Corporation (AROW)

Arrow Financial Statistics

Total Valuation

Arrow Financial has a market cap or net worth of $445.52 million. The enterprise value is $325.40 million.

Market Cap	445.52M
Enterprise Value	325.40M

Important Dates

The next estimated earnings date is Tuesday, April 29, 2025, before market open.

Earnings Date	Apr 29, 2025
Ex-Dividend Date	Feb 10, 2025

Share Statistics

Arrow Financial has 16.72 million shares outstanding. The number of shares has decreased by -1.71% in one year.

Current Share Class	16.72M
Shares Outstanding	16.72M
Shares Change (YoY)	-1.71%
Shares Change (QoQ)	-0.02%
Owned by Insiders (%)	3.06%
Owned by Institutions (%)	40.09%
Float	14.30M

Valuation Ratios

The trailing PE ratio is 15.06 and the forward PE ratio is 10.08.

PE Ratio	15.06
Forward PE	10.08
PS Ratio	3.31
Forward PS	2.69
PB Ratio	1.11
P/TBV Ratio	1.19
P/FCF Ratio	15.43
P/OCF Ratio	12.93
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.95
EV / Sales	2.42
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	11.27

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.63
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.61%.

Return on Equity (ROE)	7.61%
Return on Assets (ROA)	0.70%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$243,007
Profits Per Employee	$53,626
Employee Count	554
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Arrow Financial has paid $7.65 million in taxes.

Income Tax	7.65M
Effective Tax Rate	20.47%

Stock Price Statistics

The stock price has increased by +7.11% in the last 52 weeks. The beta is 0.74, so Arrow Financial's price volatility has been lower than the market average.

Beta (5Y)	0.74
52-Week Price Change	+7.11%
50-Day Moving Average	26.72
200-Day Moving Average	28.47
Relative Strength Index (RSI)	51.26
Average Volume (20 Days)	37,844

Short Selling Information

The latest short interest is 97,577, so 0.58% of the outstanding shares have been sold short.

Short Interest	97,577
Short Previous Month	88,169
Short % of Shares Out	0.58%
Short % of Float	0.68%
Short Ratio (days to cover)	4.05

Income Statement

In the last 12 months, Arrow Financial had revenue of $134.63 million and earned $29.71 million in profits. Earnings per share was $1.77.

Revenue	134.63M
Gross Profit	134.63M
Operating Income	40.13M
Pretax Income	39.55M
Net Income	29.71M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.77

Balance Sheet

The company has $167.21 million in cash and $47.09 million in debt, giving a net cash position of $120.12 million or $7.19 per share.

Cash & Cash Equivalents	167.21M
Total Debt	47.09M
Net Cash	120.12M
Net Cash Per Share	$7.19
Equity (Book Value)	400.90M
Book Value Per Share	23.94
Working Capital	-3.68B

Cash Flow

In the last 12 months, operating cash flow was $34.47 million and capital expenditures -$5.60 million, giving a free cash flow of $28.87 million.

Operating Cash Flow	34.47M
Capital Expenditures	-5.60M
Free Cash Flow	28.87M
FCF Per Share	$1.73

Margins

Gross Margin	n/a
Operating Margin	29.81%
Pretax Margin	27.75%
Profit Margin	22.07%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	21.45%

Dividends & Yields

This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 4.20%.

Dividend Per Share	$1.12
Dividend Yield	4.20%
Dividend Growth (YoY)	1.85%
Years of Dividend Growth	3
Payout Ratio	63.28%
Buyback Yield	1.71%
Shareholder Yield	5.92%
Earnings Yield	6.67%
FCF Yield	6.48%

Analyst Forecast

The average price target for Arrow Financial is $30.00, which is 12.57% higher than the current price. The consensus rating is "Hold".

Price Target	$30.00
Price Target Difference	12.57%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on September 19, 2023. It was a forward split with a ratio of 1.03:1.

Last Split Date	Sep 19, 2023
Split Type	Forward
Split Ratio	1.03:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4