30.165 USD
+0.02 (+0.05%)
30.165 USD
0 (0%)
AROW gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. The financial health of AROW is average, but there are quite some concerns on its profitability. 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.
AROW had a positive operating cash flow in the past year.
In the past 5 years AROW has always been profitable.
AROW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.75%, AROW is not doing good in the industry: 61.76% of the companies in the same industry are doing better.
AROW has a Return On Equity of 8.24%. This is comparable to the rest of the industry: AROW outperforms 45.22% 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
AROW's Profit Margin of 22.04% is in line compared to the rest of the industry. AROW outperforms 40.57% of its industry peers.
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 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.
Compared to 1 year ago, AROW has less shares outstanding
Compared to 5 years ago, AROW has less shares outstanding
AROW has a better debt/assets ratio than last year.
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.
AROW has a better Debt to FCF ratio (0.70) than 77.26% 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's Debt to Equity ratio of 0.06 is fine compared to the rest of the industry. AROW outperforms 78.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.5%
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%.
The Earnings Per Share has been decreasing by -4.38% on average over the past years.
The Revenue has grown by 12.31% 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 3.71% yearly.
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 Y17.9%
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
A Price/Earnings ratio of 14.57 indicates a correct valuation of AROW.
Based on the Price/Earnings ratio, AROW is valued a bit more expensive than the industry average as 67.18% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of AROW to the average of the S&P500 Index (26.11), we can say AROW is valued slightly cheaper.
AROW is valuated reasonably with a Price/Forward Earnings ratio of 8.70.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AROW indicates a somewhat cheap valuation: AROW is cheaper than 74.68% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of AROW to the average of the S&P500 Index (36.21), we can say AROW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.57 | ||
| Fwd PE | 8.7 |
4.2 Price Multiples
AROW's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.98 | ||
| 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)0.81
PEG (5Y)N/A
EPS Next 2Y27.39%
EPS Next 3Y19.78%
5. Dividend
5.1 Amount
AROW has a Yearly Dividend Yield of 3.80%. Purely for dividend investing, there may be better candidates out there.
AROW's Dividend Yield is a higher than the industry average which is at 3.15.
Compared to an average S&P500 Dividend Yield of 2.32, AROW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.8% |
5.2 History
The dividend of AROW has a limited annual growth rate of 3.76%.
AROW has paid a dividend for at least 10 years, which is a reliable track record.
AROW has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.76%
Div Incr Years3
Div Non Decr Years31
5.3 Sustainability
AROW pays out 54.67% of its income as dividend. 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%
30.165
+0.02 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners52.68%
Inst Owner Change1.15%
Ins Owners2%
Ins Owner Change3.2%
Market Cap495.91M
Revenue(TTM)156.10M
Net Income(TTM)34.41M
Analysts43.33
Price Target34.17 (13.28%)
Short Float %0.98%
Short Ratio3.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.8% |
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)12.5%
EPS NQ rev (3m)12.5%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)4.08%
Revenue NQ rev (3m)4.08%
Revenue NY rev (1m)1.97%
Revenue NY rev (3m)1.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.57 | ||
| Fwd PE | 8.7 | ||
| P/S | 3.18 | ||
| P/FCF | 13.98 | ||
| P/OCF | 12.1 | ||
| P/B | 1.19 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.07
EY6.86%
EPS(NY)3.47
Fwd EY11.5%
FCF(TTM)2.16
FCFY7.15%
OCF(TTM)2.49
OCFY8.27%
SpS9.5
BVpS25.41
TBVpS23.85
PEG (NY)0.81
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
WACC20.5%
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 Y17.9%
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 14.57 and the Price/Book (PB) ratio is 1.19.
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 17.9% in the next year.