Arrow Financial Statistics
Total Valuation
Arrow Financial has a market cap or net worth of $713.05 million. The enterprise value is $552.58 million.
| Market Cap | 713.05M |
| Enterprise Value | 552.58M |
Important Dates
The last earnings date was Thursday, October 29, 2026, before market open.
| Earnings Date | Oct 29, 2026 |
| Ex-Dividend Date | Nov 10, 2026 |
Share Statistics
Arrow Financial has 18.54 million shares outstanding. The number of shares has increased by 2.12% in one year.
| Current Share Class | 18.54M |
| Shares Outstanding | 18.54M |
| Shares Change (YoY) | +2.12% |
| Shares Change (QoQ) | +12.12% |
| Owned by Insiders (%) | 2.61% |
| Owned by Institutions (%) | 44.46% |
| Float | 16.22M |
Valuation Ratios
The trailing PE ratio is 14.84 and the forward PE ratio is 9.25.
| PE Ratio | 14.84 |
| Forward PE | 9.25 |
| PS Ratio | 3.82 |
| Forward PS | 2.98 |
| PB Ratio | 1.38 |
| P/TBV Ratio | 1.67 |
| P/FCF Ratio | 15.97 |
| P/OCF Ratio | 13.72 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 12.55 |
| EV / Sales | 2.96 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 12.38 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.42 |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.89 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.47%.
| Return on Equity (ROE) | 9.47% |
| Return on Assets (ROA) | 0.87% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.31% |
| Revenue Per Employee | $257,677 |
| Profits Per Employee | $60,714 |
| Employee Count | 725 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Arrow Financial has paid $10.70 million in taxes.
| Income Tax | 10.70M |
| Effective Tax Rate | 19.50% |
Stock Price Statistics
The stock price has increased by +24.14% in the last 52 weeks. The beta is 0.73, so Arrow Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.73 |
| 52-Week Price Change | +24.14% |
| 50-Day Moving Average | 37.91 |
| 200-Day Moving Average | 37.09 |
| Relative Strength Index (RSI) | 53.02 |
| Average Volume (20 Days) | 72,558 |
Short Selling Information
The latest short interest is 633,615, so 3.42% of the outstanding shares have been sold short.
| Short Interest | 633,615 |
| Short Previous Month | 663,797 |
| Short % of Shares Out | 3.42% |
| Short % of Float | 3.91% |
| Short Ratio (days to cover) | 7.85 |
Income Statement
In the last 12 months, Arrow Financial had revenue of $186.82 million and earned $44.02 million in profits. Earnings per share was $2.59.
| Revenue | 186.82M |
| Gross Profit | 186.82M |
| Operating Income | 57.35M |
| Pretax Income | 54.86M |
| Net Income | 44.02M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.59 |
Balance Sheet
The company has $378.77 million in cash and $218.30 million in debt, with a net cash position of $160.47 million or $8.66 per share.
| Cash & Cash Equivalents | 378.77M |
| Total Debt | 218.30M |
| Net Cash | 160.47M |
| Net Cash Per Share | $8.66 |
| Equity (Book Value) | 515.09M |
| Book Value Per Share | 27.79 |
| Working Capital | -4.36B |
Cash Flow
In the last 12 months, operating cash flow was $51.97 million and capital expenditures -$7.32 million, giving a free cash flow of $44.65 million.
| Operating Cash Flow | 51.97M |
| Capital Expenditures | -7.32M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 301.51M |
| Free Cash Flow | 44.65M |
| FCF Per Share | $2.41 |
Margins
| Gross Margin | n/a |
| Operating Margin | 30.70% |
| Pretax Margin | 29.36% |
| Profit Margin | 23.64% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 26.24% |
Dividends & Yields
This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 3.12%.
| Dividend Per Share | $1.20 |
| Dividend Yield | 3.12% |
| Dividend Growth (YoY) | 5.26% |
| Years of Dividend Growth | 32 |
| Payout Ratio | 46.28% |
| FCF Payout Ratio | 49.82% |
| Buyback Yield | -2.12% |
| Shareholder Yield | 1.00% |
| Earnings Yield | 6.74% |
| FCF Yield | 6.26% |
Analyst Forecast
The average price target for Arrow Financial is $43.50, which is 13.08% higher than the current price. The consensus rating is "Hold".
| Price Target | $43.50 |
| Price Target Difference | 13.08% |
| Analyst Consensus | Hold |
| Analyst Count | 4 |
| Revenue Growth Forecast (3Y) | 14.57% |
| EPS Growth Forecast (3Y) | 17.50% |
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 | |
| Graham Formula Value | |
| Graham Formula 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 |