32.33 USD
-0.53 (-1.61%)
We assign a fundamental rating of 4 out of 10 to AROW. AROW was compared to 387 industry peers in the Banks industry. AROW scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. AROW has a decent growth rate and is not valued too expensively. AROW also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year AROW was profitable.
In the past year AROW had a positive cash flow from operations.
AROW had positive earnings in each of the past 5 years.
Each year in the past 5 years AROW had a positive operating cash flow.
1.2 Ratios
The Return On Assets of AROW (0.75%) is worse than 62.27% of its industry peers.
AROW's Return On Equity of 8.24% is in line compared to the rest of the industry. AROW outperforms 43.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 8.24% | ||
| ROIC | N/A |
ROA(3y)0.88%
ROA(5y)1%
ROE(3y)9.71%
ROE(5y)10.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of AROW (22.04%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of AROW has declined.
The Operating Margin and Gross Margin are not available for AROW so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.04% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.28%
PM growth 5Y-7.97%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AROW does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AROW has been reduced compared to 1 year ago.
The number of shares outstanding for AROW has been reduced compared to 5 years ago.
Compared to 1 year ago, AROW has an improved debt to assets ratio.
2.2 Solvency
AROW has a debt to FCF ratio of 0.70. This is a very positive value and a sign of high solvency as it would only need 0.70 years to pay back of all of its debts.
The Debt to FCF ratio of AROW (0.70) is better than 75.19% of its industry peers.
A Debt/Equity ratio of 0.06 indicates that AROW is not too dependend on debt financing.
AROW has a Debt to Equity ratio of 0.06. This is in the better half of the industry: AROW outperforms 78.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AROW shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.15%.
AROW shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.38% yearly.
The Revenue has grown by 12.31% in the past year. This is quite good.
Measured over the past years, AROW shows a small growth in Revenue. The Revenue has been growing by 3.71% on average per year.
EPS 1Y (TTM)6.15%
EPS 3Y-15.3%
EPS 5Y-4.38%
EPS Q2Q%45.28%
Revenue 1Y (TTM)12.31%
Revenue growth 3Y-0.7%
Revenue growth 5Y3.71%
Sales Q2Q%17.16%
3.2 Future
AROW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.78% yearly.
The Revenue is expected to grow by 9.96% on average over the next years. This is quite good.
EPS Next Y24.58%
EPS Next 2Y27.39%
EPS Next 3Y19.78%
EPS Next 5YN/A
Revenue Next Year14.95%
Revenue Next 2Y12.44%
Revenue Next 3Y9.96%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.62, the valuation of AROW can be described as correct.
70.03% of the companies in the same industry are cheaper than AROW, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.19. AROW is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 9.32, which indicates a very decent valuation of AROW.
68.48% of the companies in the same industry are more expensive than AROW, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, AROW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.62 | ||
| Fwd PE | 9.32 |
4.2 Price Multiples
AROW's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AROW is more expensive than 64.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.99 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
AROW's earnings are expected to grow with 19.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y27.39%
EPS Next 3Y19.78%
5. Dividend
5.1 Amount
AROW has a Yearly Dividend Yield of 3.69%.
Compared to an average industry Dividend Yield of 2.78, AROW pays a bit more dividend than its industry peers.
AROW's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
5.2 History
The dividend of AROW has a limited annual growth rate of 3.76%.
AROW has been paying a dividend for at least 10 years, so it has a reliable track record.
AROW has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.76%
Div Incr Years3
Div Non Decr Years31
5.3 Sustainability
54.67% of the earnings are spent on dividend by AROW. This is a bit on the high side, but may be sustainable.
The dividend of AROW is growing, but earnings are growing more, so the dividend growth is sustainable.
DP54.67%
EPS Next 2Y27.39%
EPS Next 3Y19.78%
NASDAQ:AROW (1/9/2026, 8:00:00 PM)
32.33
-0.53 (-1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners52.5%
Inst Owner Change0%
Ins Owners2.05%
Ins Owner Change3.25%
Market Cap531.51M
Revenue(TTM)156.10M
Net Income(TTM)34.41M
Analysts82.86
Price Target34.17 (5.69%)
Short Float %0.94%
Short Ratio2.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
Yearly Dividend1.09
Dividend Growth(5Y)3.76%
DP54.67%
Div Incr Years3
Div Non Decr Years31
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.32%
Min EPS beat(2)4.85%
Max EPS beat(2)13.8%
EPS beat(4)2
Avg EPS beat(4)-12.11%
Min EPS beat(4)-54.75%
Max EPS beat(4)13.8%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.54%
Min Revenue beat(2)-1.37%
Max Revenue beat(2)2.46%
Revenue beat(4)1
Avg Revenue beat(4)-3.35%
Min Revenue beat(4)-12.39%
Max Revenue beat(4)2.46%
Revenue beat(8)2
Avg Revenue beat(8)-2.64%
Revenue beat(12)3
Avg Revenue beat(12)-3.24%
Revenue beat(16)6
Avg Revenue beat(16)-2.18%
PT rev (1m)0%
PT rev (3m)17.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)12.5%
EPS NY rev (1m)0%
EPS NY rev (3m)5.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.08%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.62 | ||
| Fwd PE | 9.32 | ||
| P/S | 3.4 | ||
| P/FCF | 14.99 | ||
| P/OCF | 12.96 | ||
| P/B | 1.27 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.07
EY6.4%
EPS(NY)3.47
Fwd EY10.73%
FCF(TTM)2.16
FCFY6.67%
OCF(TTM)2.49
OCFY7.71%
SpS9.5
BVpS25.41
TBVpS23.85
PEG (NY)0.64
PEG (5Y)N/A
Graham Number34.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 8.24% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.04% | ||
| GM | N/A | ||
| FCFM | 22.72% |
ROA(3y)0.88%
ROA(5y)1%
ROE(3y)9.71%
ROE(5y)10.96%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.28%
PM growth 5Y-7.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.7 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 100.82% | ||
| Cap/Sales | 3.54% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 103.08% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC19.93%
ROIC/WACCN/A
Cap/Depr(3y)132.85%
Cap/Depr(5y)112.88%
Cap/Sales(3y)6.27%
Cap/Sales(5y)5.54%
Profit Quality(3y)78.41%
Profit Quality(5y)89.75%
High Growth Momentum
Growth
EPS 1Y (TTM)6.15%
EPS 3Y-15.3%
EPS 5Y-4.38%
EPS Q2Q%45.28%
EPS Next Y24.58%
EPS Next 2Y27.39%
EPS Next 3Y19.78%
EPS Next 5YN/A
Revenue 1Y (TTM)12.31%
Revenue growth 3Y-0.7%
Revenue growth 5Y3.71%
Sales Q2Q%17.16%
Revenue Next Year14.95%
Revenue Next 2Y12.44%
Revenue Next 3Y9.96%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-8.09%
FCF growth 3Y-22.1%
FCF growth 5Y-4.4%
OCF growth 1Y-15.3%
OCF growth 3Y-20.35%
OCF growth 5Y-4.74%
ARROW FINANCIAL CORP / AROW FAQ
What is the ChartMill fundamental rating of ARROW FINANCIAL CORP (AROW) stock?
ChartMill assigns a fundamental rating of 4 / 10 to AROW.
Can you provide the valuation status for ARROW FINANCIAL CORP?
ChartMill assigns a valuation rating of 4 / 10 to ARROW FINANCIAL CORP (AROW). This can be considered as Fairly Valued.
Can you provide the profitability details for ARROW FINANCIAL CORP?
ARROW FINANCIAL CORP (AROW) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for AROW stock?
The Price/Earnings (PE) ratio for ARROW FINANCIAL CORP (AROW) is 15.62 and the Price/Book (PB) ratio is 1.27.
What is the earnings growth outlook for ARROW FINANCIAL CORP?
The Earnings per Share (EPS) of ARROW FINANCIAL CORP (AROW) is expected to grow by 24.58% in the next year.