Arrow Financial Statistics
Total Valuation
Arrow Financial has a market cap or net worth of $596.07 million. The enterprise value is $407.06 million.
Important Dates
The next estimated earnings date is Thursday, April 30, 2026, before market open.
| Earnings Date | Apr 30, 2026 |
| Ex-Dividend Date | Feb 11, 2026 |
Share Statistics
Arrow Financial has 16.51 million shares outstanding. The number of shares has decreased by -1.43% in one year.
| Current Share Class | 16.51M |
| Shares Outstanding | 16.51M |
| Shares Change (YoY) | -1.43% |
| Shares Change (QoQ) | +0.04% |
| Owned by Insiders (%) | 3.31% |
| Owned by Institutions (%) | 46.55% |
| Float | 14.09M |
Valuation Ratios
The trailing PE ratio is 13.62 and the forward PE ratio is 9.88.
| PE Ratio | 13.62 |
| Forward PE | 9.88 |
| PS Ratio | 3.74 |
| Forward PS | 2.80 |
| PB Ratio | 1.37 |
| P/TBV Ratio | 1.46 |
| P/FCF Ratio | 16.36 |
| P/OCF Ratio | 14.34 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 9.29 |
| EV / Sales | 2.57 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.25 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.02 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.56%.
| Return on Equity (ROE) | 10.56% |
| Return on Assets (ROA) | 1.00% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 7.94% |
| Revenue Per Employee | $273,913 |
| Profits Per Employee | $75,798 |
| Employee Count | 578 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Arrow Financial has paid $11.44 million in taxes.
| Income Tax | 11.44M |
| Effective Tax Rate | 20.65% |
Stock Price Statistics
The stock price has increased by +48.22% in the last 52 weeks. The beta is 0.76, so Arrow Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.76 |
| 52-Week Price Change | +48.22% |
| 50-Day Moving Average | 33.91 |
| 200-Day Moving Average | 30.36 |
| Relative Strength Index (RSI) | 71.55 |
| Average Volume (20 Days) | 87,659 |
Short Selling Information
The latest short interest is 205,211, so 1.24% of the outstanding shares have been sold short.
| Short Interest | 205,211 |
| Short Previous Month | 139,839 |
| Short % of Shares Out | 1.24% |
| Short % of Float | 1.46% |
| Short Ratio (days to cover) | 2.26 |
Income Statement
In the last 12 months, Arrow Financial had revenue of $158.32 million and earned $43.81 million in profits. Earnings per share was $2.65.
| Revenue | 158.32M |
| Gross Profit | 158.32M |
| Operating Income | 57.90M |
| Pretax Income | 55.39M |
| Net Income | 43.81M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.65 |
Full Income StatementBalance Sheet
The company has $222.12 million in cash and $37.07 million in debt, with a net cash position of $185.05 million or $11.21 per share.
| Cash & Cash Equivalents | 222.12M |
| Total Debt | 37.07M |
| Net Cash | 185.05M |
| Net Cash Per Share | $11.21 |
| Equity (Book Value) | 431.85M |
| Book Value Per Share | 26.26 |
| Working Capital | -3.72B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $41.28 million and capital expenditures -$5.09 million, giving a free cash flow of $36.19 million.
| Operating Cash Flow | 41.28M |
| Capital Expenditures | -5.09M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -4.41M |
| Free Cash Flow | 36.19M |
| FCF Per Share | $2.19 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 36.57% |
| Pretax Margin | 34.98% |
| Profit Margin | 27.76% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 22.86% |
Dividends & Yields
This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 3.33%.
| Dividend Per Share | $1.20 |
| Dividend Yield | 3.33% |
| Dividend Growth (YoY) | 5.45% |
| Years of Dividend Growth | 32 |
| Payout Ratio | 43.77% |
| Buyback Yield | 1.43% |
| Shareholder Yield | 4.78% |
| Earnings Yield | 7.40% |
| FCF Yield | 6.11% |
Dividend DetailsAnalyst Forecast
The average price target for Arrow Financial is $28.00, which is -22.44% lower than the current price. The consensus rating is "Hold".
| Price Target | $28.00 |
| Price Target Difference | -22.44% |
| 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 | 3 |
