ARROW FINANCIAL CORP (AROW) Fundamental Analysis & Valuation

NASDAQ:AROW • US0427441029

Current stock price

33.21 USD
-0.03 (-0.09%)
At close:
33.21 USD
0 (0%)
After Hours:

This AROW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. AROW Profitability Analysis

1.1 Basic Checks

  • In the past year AROW was profitable.
  • In the past year AROW had a positive cash flow from operations.
  • Each year in the past 5 years AROW has been profitable.
  • AROW had a positive operating cash flow in each of the past 5 years.
AROW Yearly Net Income VS EBIT VS OCF VS FCFAROW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • AROW has a Return On Assets (0.99%) which is in line with its industry peers.
  • AROW has a better Return On Equity (10.14%) than 62.63% of its industry peers.
Industry RankSector Rank
ROA 0.99%
ROE 10.14%
ROIC N/A
ROA(3y)0.8%
ROA(5y)0.97%
ROE(3y)8.49%
ROE(5y)10.54%
ROIC(3y)N/A
ROIC(5y)N/A
AROW Yearly ROA, ROE, ROICAROW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 26.46%, AROW is in line with its industry, outperforming 59.47% of the companies in the same industry.
  • AROW's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for AROW so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.82%
PM growth 5Y-3.09%
GM growth 3YN/A
GM growth 5YN/A
AROW Yearly Profit, Operating, Gross MarginsAROW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. AROW Health Analysis

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.
  • Compared to 5 years ago, AROW has less shares outstanding
  • Compared to 1 year ago, AROW has an improved debt to assets ratio.
AROW Yearly Shares OutstandingAROW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
AROW Yearly Total Debt VS Total AssetsAROW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • AROW has a debt to FCF ratio of 0.69. This is a very positive value and a sign of high solvency as it would only need 0.69 years to pay back of all of its debts.
  • The Debt to FCF ratio of AROW (0.69) is better than 76.05% of its industry peers.
  • AROW has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
  • AROW has a Debt to Equity ratio of 0.06. This is in the better half of the industry: AROW outperforms 78.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.69
Altman-Z N/A
ROIC/WACCN/A
WACC19.06%
AROW Yearly LT Debt VS Equity VS FCFAROW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AROW Yearly Current Assets VS Current LiabilitesAROW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. AROW Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 50.06% over the past year.
  • Measured over the past 5 years, AROW shows a small growth in Earnings Per Share. The EPS has been growing by 1.29% on average per year.
  • The Revenue has grown by 18.45% in the past year. This is quite good.
  • AROW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.67% yearly.
EPS 1Y (TTM)50.06%
EPS 3Y-2.62%
EPS 5Y1.29%
EPS Q2Q%214.81%
Revenue 1Y (TTM)18.45%
Revenue growth 3Y3.54%
Revenue growth 5Y4.67%
Sales Q2Q%28%

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 18.53% on average per year.
  • AROW is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.73% yearly.
EPS Next Y32.79%
EPS Next 2Y18.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.31%
Revenue Next 2Y21.73%
Revenue Next 3YN/A
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
AROW Yearly Revenue VS EstimatesAROW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
AROW Yearly EPS VS EstimatesAROW Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

5

4. AROW Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.53 indicates a correct valuation of AROW.
  • The rest of the industry has a similar Price/Earnings ratio as AROW.
  • The average S&P500 Price/Earnings ratio is at 25.61. AROW is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 9.44, which indicates a very decent valuation of AROW.
  • 64.74% of the companies in the same industry are more expensive than AROW, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.79. AROW is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.53
Fwd PE 9.44
AROW Price Earnings VS Forward Price EarningsAROW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, AROW is valued a bit more expensive than the industry average as 65.00% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.15
EV/EBITDA N/A
AROW Per share dataAROW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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 18.53% in the coming years.
PEG (NY)0.38
PEG (5Y)9.69
EPS Next 2Y18.53%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. AROW Dividend Analysis

5.1 Amount

  • AROW has a Yearly Dividend Yield of 3.74%.
  • AROW's Dividend Yield is a higher than the industry average which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.89, AROW pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.74%

5.2 History

  • The dividend of AROW has a limited annual growth rate of 4.17%.
  • 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)4.17%
Div Incr Years3
Div Non Decr Years31
AROW Yearly Dividends per shareAROW Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 43.13% 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.
DP43.13%
EPS Next 2Y18.53%
EPS Next 3YN/A
AROW Yearly Income VS Free CF VS DividendAROW Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
AROW Dividend Payout.AROW Dividend Payout, showing the Payout Ratio.AROW Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

AROW Fundamentals: All Metrics, Ratios and Statistics

ARROW FINANCIAL CORP

NASDAQ:AROW (3/25/2026, 8:10:58 PM)

After market: 33.21 0 (0%)

33.21

-0.03 (-0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-29
Inst Owners58.45%
Inst Owner Change10.73%
Ins Owners2.16%
Ins Owner Change6.37%
Market Cap548.30M
Revenue(TTM)165.60M
Net Income(TTM)43.81M
Analysts43.33
Price Target35.19 (5.96%)
Short Float %0.88%
Short Ratio1.57
Dividend
Industry RankSector Rank
Dividend Yield 3.74%
Yearly Dividend1.14
Dividend Growth(5Y)4.17%
DP43.13%
Div Incr Years3
Div Non Decr Years31
Ex-Date02-11
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.86%
Min EPS beat(2)2.88%
Max EPS beat(2)4.85%
EPS beat(4)3
Avg EPS beat(4)2.3%
Min EPS beat(4)-12.34%
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)0.26%
Min Revenue beat(2)-1.94%
Max Revenue beat(2)2.46%
Revenue beat(4)1
Avg Revenue beat(4)-0.74%
Min Revenue beat(4)-2.12%
Max Revenue beat(4)2.46%
Revenue beat(8)2
Avg Revenue beat(8)-1.97%
Revenue beat(12)3
Avg Revenue beat(12)-2.96%
Revenue beat(16)6
Avg Revenue beat(16)-2.13%
PT rev (1m)0%
PT rev (3m)2.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.28%
EPS NY rev (1m)0%
EPS NY rev (3m)1.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.23%
Revenue NY rev (1m)13.42%
Revenue NY rev (3m)13.93%
Valuation
Industry RankSector Rank
PE 12.53
Fwd PE 9.44
P/S 3.31
P/FCF 15.15
P/OCF 13.28
P/B 1.27
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)2.65
EY7.98%
EPS(NY)3.52
Fwd EY10.6%
FCF(TTM)2.19
FCFY6.6%
OCF(TTM)2.5
OCFY7.53%
SpS10.03
BVpS26.16
TBVpS24.61
PEG (NY)0.38
PEG (5Y)9.69
Graham Number39.49
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 10.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.46%
GM N/A
FCFM 21.86%
ROA(3y)0.8%
ROA(5y)0.97%
ROE(3y)8.49%
ROE(5y)10.54%
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-6.82%
PM growth 5Y-3.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.69
Debt/EBITDA N/A
Cap/Depr 93.93%
Cap/Sales 3.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 82.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.06%
ROIC/WACCN/A
Cap/Depr(3y)101.24%
Cap/Depr(5y)116.73%
Cap/Sales(3y)4.11%
Cap/Sales(5y)5.38%
Profit Quality(3y)74.89%
Profit Quality(5y)88.04%
High Growth Momentum
Growth
EPS 1Y (TTM)50.06%
EPS 3Y-2.62%
EPS 5Y1.29%
EPS Q2Q%214.81%
EPS Next Y32.79%
EPS Next 2Y18.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.45%
Revenue growth 3Y3.54%
Revenue growth 5Y4.67%
Sales Q2Q%28%
Revenue Next Year25.31%
Revenue Next 2Y21.73%
Revenue Next 3YN/A
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 1Y25.35%
FCF growth 3Y-7.32%
FCF growth 5Y-0.54%
OCF growth 1Y19.76%
OCF growth 3Y-11.58%
OCF growth 5Y-0.49%

ARROW FINANCIAL CORP / AROW Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ARROW FINANCIAL CORP (AROW) stock?

ChartMill assigns a fundamental rating of 5 / 10 to AROW.


Can you provide the valuation status for ARROW FINANCIAL CORP?

ChartMill assigns a valuation rating of 5 / 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 12.53 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 32.79% in the next year.