Arrow Financial Corporation (AROW)

HashiCorp Statistics

Total Valuation

Arrow Financial has a market cap or net worth of $431.21 million. The enterprise value is $196.34 million.

Market Cap	431.21M
Enterprise Value	196.34M

Important Dates

The last earnings date was Thursday, July 24, 2025, before market open.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	Aug 11, 2025

Share Statistics

Arrow Financial has 16.48 million shares outstanding. The number of shares has decreased by -1.44% in one year.

Current Share Class	16.48M
Shares Outstanding	16.48M
Shares Change (YoY)	-1.44%
Shares Change (QoQ)	-0.73%
Owned by Insiders (%)	3.09%
Owned by Institutions (%)	41.26%
Float	14.09M

Valuation Ratios

The trailing PE ratio is 14.31 and the forward PE ratio is 9.11.

PE Ratio	14.31
Forward PE	9.11
PS Ratio	3.10
Forward PS	2.51
PB Ratio	1.06
P/TBV Ratio	1.13
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	6.42
EV / Sales	1.40
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 7.72%.

Return on Equity (ROE)	7.72%
Return on Assets (ROA)	0.71%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$253,469
Profits Per Employee	$55,162
Employee Count	554
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Arrow Financial has paid $8.23 million in taxes.

Income Tax	8.23M
Effective Tax Rate	21.21%

Stock Price Statistics

The stock price has decreased by -17.01% in the last 52 weeks. The beta is 0.81, so Arrow Financial's price volatility has been lower than the market average.

Beta (5Y)	0.81
52-Week Price Change	-17.01%
50-Day Moving Average	26.41
200-Day Moving Average	27.53
Relative Strength Index (RSI)	42.68
Average Volume (20 Days)	33,123

Short Selling Information

The latest short interest is 136,328, so 0.83% of the outstanding shares have been sold short.

Short Interest	136,328
Short Previous Month	142,483
Short % of Shares Out	0.83%
Short % of Float	0.97%
Short Ratio (days to cover)	2.95

Income Statement

In the last 12 months, Arrow Financial had revenue of $140.42 million and earned $30.56 million in profits. Earnings per share was $1.83.

Revenue	140.42M
Gross Profit	140.42M
Operating Income	41.47M
Pretax Income	39.55M
Net Income	30.56M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.83

Balance Sheet

The company has $268.45 million in cash and $33.57 million in debt, giving a net cash position of $234.88 million or $14.25 per share.

Cash & Cash Equivalents	268.45M
Total Debt	33.57M
Net Cash	234.88M
Net Cash Per Share	$14.25
Equity (Book Value)	408.51M
Book Value Per Share	24.78
Working Capital	-3.66B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	29.53%
Pretax Margin	27.62%
Profit Margin	21.76%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 4.33%.

Dividend Per Share	$1.16
Dividend Yield	4.33%
Dividend Growth (YoY)	3.53%
Years of Dividend Growth	31
Payout Ratio	60.70%
Buyback Yield	1.44%
Shareholder Yield	5.88%
Earnings Yield	7.09%
FCF Yield	n/a

Analyst Forecast

The average price target for Arrow Financial is $28.00, which is 7.03% higher than the current price. The consensus rating is "Hold".

Price Target	$28.00
Price Target Difference	7.03%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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	2