Arrow Financial Statistics
Total Valuation
Arrow Financial has a market cap or net worth of $723.35 million. The enterprise value is $865.11 million.
| Market Cap | 723.35M |
| Enterprise Value | 865.11M |
Important Dates
The last earnings date was Thursday, July 23, 2026, before market open.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | Aug 11, 2026 |
Share Statistics
Arrow Financial has 18.52 million shares outstanding. The number of shares has decreased by -1.48% in one year.
| Current Share Class | 18.52M |
| Shares Outstanding | 18.52M |
| Shares Change (YoY) | -1.48% |
| Shares Change (QoQ) | +0.39% |
| Owned by Insiders (%) | 2.57% |
| Owned by Institutions (%) | 52.48% |
| Float | 16.17M |
Valuation Ratios
The trailing PE ratio is 12.58 and the forward PE ratio is 9.69.
| PE Ratio | 12.58 |
| Forward PE | 9.69 |
| PS Ratio | 4.25 |
| Forward PS | 3.08 |
| PB Ratio | 1.45 |
| P/TBV Ratio | 1.72 |
| P/FCF Ratio | 16.20 |
| P/OCF Ratio | 13.92 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 16.92 |
| EV / Sales | 5.08 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 19.38 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 7.58 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.00%.
| Return on Equity (ROE) | 12.00% |
| Return on Assets (ROA) | 1.15% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.68% |
| Revenue Per Employee | $295,943 |
| Profits Per Employee | $88,944 |
| Employee Count | 575 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Arrow Financial has paid $13.32 million in taxes.
| Income Tax | 13.32M |
| Effective Tax Rate | 20.61% |
Stock Price Statistics
The stock price has increased by +35.92% 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 | +35.92% |
| 50-Day Moving Average | 39.83 |
| 200-Day Moving Average | 34.99 |
| Relative Strength Index (RSI) | 41.86 |
| Average Volume (20 Days) | 89,725 |
Short Selling Information
The latest short interest is 425,212, so 2.30% of the outstanding shares have been sold short.
| Short Interest | 425,212 |
| Short Previous Month | 423,362 |
| Short % of Shares Out | 2.30% |
| Short % of Float | 2.63% |
| Short Ratio (days to cover) | 3.65 |
Income Statement
In the last 12 months, Arrow Financial had revenue of $170.17 million and earned $51.14 million in profits. Earnings per share was $3.10.
| Revenue | 170.17M |
| Gross Profit | 170.17M |
| Operating Income | 66.82M |
| Pretax Income | 64.60M |
| Net Income | 51.14M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.10 |
Balance Sheet
The company has $196.81 million in cash and $338.57 million in debt, with a net cash position of -$141.76 million or -$7.65 per share.
| Cash & Cash Equivalents | 196.81M |
| Total Debt | 338.57M |
| Net Cash | -141.76M |
| Net Cash Per Share | -$7.65 |
| Equity (Book Value) | 446.31M |
| Book Value Per Share | 26.98 |
| Working Capital | -3.76B |
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 | 39.27% |
| Pretax Margin | 37.96% |
| Profit Margin | 30.14% |
| 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 3.07%.
| Dividend Per Share | $1.20 |
| Dividend Yield | 3.07% |
| Dividend Growth (YoY) | 5.31% |
| Years of Dividend Growth | 32 |
| Payout Ratio | 38.66% |
| Buyback Yield | 1.48% |
| Shareholder Yield | 4.56% |
| Earnings Yield | 7.07% |
| FCF Yield | 6.17% |
Analyst Forecast
The average price target for Arrow Financial is $43.33, which is 10.96% higher than the current price. The consensus rating is "Hold".
| Price Target | $43.33 |
| Price Target Difference | 10.96% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 | 4 |