31.93 USD
-1 (-3.04%)
31.93 USD
0 (0%)
Taking everything into account, AROW scores 4 out of 10 in our fundamental rating. AROW was compared to 388 industry peers in the Banks industry. The financial health of AROW is average, but there are quite some concerns on its profitability. AROW is not valued too expensively and it also shows a decent growth rate. AROW also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year AROW was profitable.
AROW had a positive operating cash flow in the past year.
In the past 5 years AROW has always been profitable.
Each year in the past 5 years AROW had a positive operating cash flow.
1.2 Ratios
AROW has a worse Return On Assets (0.75%) than 62.11% of its industry peers.
AROW has a Return On Equity (8.24%) which is in line with 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.
AROW has less shares outstanding than it did 1 year ago.
The number of shares outstanding for AROW has been reduced compared to 5 years ago.
The debt/assets ratio for AROW has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of AROW is 0.70, which is an excellent value as it means it would take AROW, only 0.70 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.70, AROW is in the better half of the industry, outperforming 75.52% of the companies in the same industry.
AROW has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of AROW (0.06) is better than 78.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 6.15% over the past year.
Measured over the past years, AROW shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.38% on average per year.
Looking at the last year, AROW shows a quite strong growth in Revenue. The Revenue has grown by 12.31% in the last year.
The Revenue has been growing slightly by 3.71% on average over the past years.
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
Based on estimates for the next years, AROW will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.78% on average per year.
AROW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.96% yearly.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.43, the valuation of AROW can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of AROW indicates a slightly more expensive valuation: AROW is more expensive than 69.33% of the companies listed in the same industry.
AROW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.21, the valuation of AROW can be described as reasonable.
Based on the Price/Forward Earnings ratio, AROW is valued a bit cheaper than 76.29% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, AROW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.43 | ||
| Fwd PE | 9.21 |
4.2 Price Multiples
61.60% of the companies in the same industry are cheaper than AROW, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.8 | ||
| 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.
A more expensive valuation may be justified as AROW's earnings are expected to grow with 19.78% in the coming years.
PEG (NY)0.63
PEG (5Y)N/A
EPS Next 2Y27.39%
EPS Next 3Y19.78%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.52%, AROW has a reasonable but not impressive dividend return.
AROW's Dividend Yield is a higher than the industry average which is at 2.74.
AROW's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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.
AROW's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP54.67%
EPS Next 2Y27.39%
EPS Next 3Y19.78%
31.93
-1 (-3.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners52.51%
Inst Owner Change1.15%
Ins Owners2.05%
Ins Owner Change3.24%
Market Cap524.93M
Revenue(TTM)156.10M
Net Income(TTM)34.41M
Analysts82.86
Price Target34.17 (7.02%)
Short Float %0.93%
Short Ratio2.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
Yearly Dividend1.09
Dividend Growth(5Y)3.76%
DP54.67%
Div Incr Years3
Div Non Decr Years31
Ex-Date
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)17.54%
PT rev (3m)17.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)12.5%
EPS NY rev (1m)5.67%
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 | 15.43 | ||
| Fwd PE | 9.21 | ||
| P/S | 3.36 | ||
| P/FCF | 14.8 | ||
| P/OCF | 12.8 | ||
| P/B | 1.26 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.07
EY6.48%
EPS(NY)3.47
Fwd EY10.86%
FCF(TTM)2.16
FCFY6.76%
OCF(TTM)2.49
OCFY7.81%
SpS9.5
BVpS25.41
TBVpS23.85
PEG (NY)0.63
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
WACC20.03%
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.
What is the valuation status for AROW stock?
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.
What are the PE and PB ratios of ARROW FINANCIAL CORP (AROW) stock?
The Price/Earnings (PE) ratio for ARROW FINANCIAL CORP (AROW) is 15.43 and the Price/Book (PB) ratio is 1.26.
Can you provide the expected EPS growth for AROW stock?
The Earnings per Share (EPS) of ARROW FINANCIAL CORP (AROW) is expected to grow by 24.58% in the next year.