Arrow Financial Statistics
Total Valuation
Arrow Financial has a market cap or net worth of $502.65 million. The enterprise value is $138.89 million.
Important Dates
The last earnings date was Thursday, October 30, 2025, before market open.
| Earnings Date | Oct 30, 2025 |
| Ex-Dividend Date | Nov 12, 2025 |
Share Statistics
Arrow Financial has 16.44 million shares outstanding. The number of shares has decreased by -1.45% in one year.
| Current Share Class | 16.44M |
| Shares Outstanding | 16.44M |
| Shares Change (YoY) | -1.45% |
| Shares Change (QoQ) | -0.88% |
| Owned by Insiders (%) | 3.29% |
| Owned by Institutions (%) | 40.56% |
| Float | 14.04M |
Valuation Ratios
The trailing PE ratio is 14.80 and the forward PE ratio is 9.24.
| PE Ratio | 14.80 |
| Forward PE | 9.24 |
| PS Ratio | 3.45 |
| Forward PS | 2.77 |
| PB Ratio | 1.20 |
| P/TBV Ratio | 1.28 |
| P/FCF Ratio | 14.17 |
| P/OCF Ratio | 12.26 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 4.04 |
| EV / Sales | 0.95 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 3.92 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.05 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.49%.
| Return on Equity (ROE) | 8.49% |
| Return on Assets (ROA) | 0.76% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $265,013 |
| Profits Per Employee | $62,112 |
| Employee Count | 554 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Arrow Financial has paid $9.44 million in taxes.
| Income Tax | 9.44M |
| Effective Tax Rate | 21.53% |
Stock Price Statistics
The stock price has decreased by -6.08% in the last 52 weeks. The beta is 0.80, so Arrow Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.80 |
| 52-Week Price Change | -6.08% |
| 50-Day Moving Average | 28.70 |
| 200-Day Moving Average | 27.20 |
| Relative Strength Index (RSI) | 55.98 |
| Average Volume (20 Days) | 54,842 |
Short Selling Information
The latest short interest is 156,663, so 0.95% of the outstanding shares have been sold short.
| Short Interest | 156,663 |
| Short Previous Month | 134,865 |
| Short % of Shares Out | 0.95% |
| Short % of Float | 1.12% |
| Short Ratio (days to cover) | 3.60 |
Income Statement
In the last 12 months, Arrow Financial had revenue of $146.82 million and earned $34.41 million in profits. Earnings per share was $2.07.
| Revenue | 146.82M |
| Gross Profit | 146.82M |
| Operating Income | 46.47M |
| Pretax Income | 43.85M |
| Net Income | 34.41M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.07 |
Full Income StatementBalance Sheet
The company has $400.94 million in cash and $37.19 million in debt, giving a net cash position of $363.75 million or $22.12 per share.
| Cash & Cash Equivalents | 400.94M |
| Total Debt | 37.19M |
| Net Cash | 363.75M |
| Net Cash Per Share | $22.12 |
| Equity (Book Value) | 417.69M |
| Book Value Per Share | 25.41 |
| Working Capital | -3.70B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $41.00 million and capital expenditures -$5.53 million, giving a free cash flow of $35.47 million.
| Operating Cash Flow | 41.00M |
| Capital Expenditures | -5.53M |
| Free Cash Flow | 35.47M |
| FCF Per Share | $2.16 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 31.65% |
| Pretax Margin | 29.87% |
| Profit Margin | 23.44% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 24.16% |
Dividends & Yields
This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 3.79%.
| Dividend Per Share | $1.16 |
| Dividend Yield | 3.79% |
| Dividend Growth (YoY) | 4.59% |
| Years of Dividend Growth | 31 |
| Payout Ratio | 55.19% |
| Buyback Yield | 1.45% |
| Shareholder Yield | 5.24% |
| Earnings Yield | 6.85% |
| FCF Yield | 7.06% |
Dividend DetailsAnalyst Forecast
The average price target for Arrow Financial is $28.00, which is -8.41% lower than the current price. The consensus rating is "Hold".
| Price Target | $28.00 |
| Price Target Difference | -8.41% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | 4 |
