32.67 USD
-0.11 (-0.34%)
32.67 USD
0 (0%)
Taking everything into account, AROW scores 4 out of 10 in our fundamental rating. AROW was compared to 383 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 correct valuation and a medium growth rate. Finally 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.
- Each year in the past 5 years AROW has been profitable.
- In the past 5 years AROW always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of AROW (0.75%) is worse than 62.14% 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
- AROW has a worse Profit Margin (22.04%) than 60.05% 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.
- The number of shares outstanding for AROW has been reduced compared to 1 year ago.
- Compared to 5 years ago, AROW has less shares outstanding
- The debt/assets ratio for AROW has been reduced compared to a year ago.
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 Debt to FCF ratio of 0.70. This is in the better half of the industry: AROW outperforms 75.20% 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.
- Looking at the Debt to Equity ratio, with a value of 0.06, AROW is in the better half of the industry, outperforming 78.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.86%
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.
- AROW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.31%.
- 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
- The Earnings Per Share is expected to grow by 19.78% on average over the next years. This is quite good.
- 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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 15.78, which indicates a correct valuation of AROW.
- AROW's Price/Earnings ratio is a bit more expensive when compared to the industry. AROW is more expensive than 69.19% of the companies in the same industry.
- When comparing the Price/Earnings ratio of AROW to the average of the S&P500 Index (27.38), we can say AROW is valued slightly cheaper.
- Based on the Price/Forward Earnings ratio of 9.42, the valuation of AROW can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AROW indicates a somewhat cheap valuation: AROW is cheaper than 70.50% of the companies listed in the same industry.
- AROW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.78 | ||
| Fwd PE | 9.42 |
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 63.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- AROW's 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)0.64
PEG (5Y)N/A
EPS Next 2Y27.39%
EPS Next 3Y19.78%
5. Dividend
5.1 Amount
- AROW has a Yearly Dividend Yield of 3.54%. 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 2.86.
- Compared to an average S&P500 Dividend Yield of 1.84, AROW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
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%
32.67
-0.11 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)01-28 2026-01-28/bmo
Inst Owners52.5%
Inst Owner Change0.04%
Ins Owners2.05%
Ins Owner Change2.83%
Market Cap537.09M
Revenue(TTM)156.10M
Net Income(TTM)34.41M
Analysts82.86
Price Target34.17 (4.59%)
Short Float %0.94%
Short Ratio2.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
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 | 15.78 | ||
| Fwd PE | 9.42 | ||
| P/S | 3.44 | ||
| P/FCF | 15.14 | ||
| P/OCF | 13.1 | ||
| P/B | 1.29 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.07
EY6.34%
EPS(NY)3.47
Fwd EY10.62%
FCF(TTM)2.16
FCFY6.6%
OCF(TTM)2.49
OCFY7.63%
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
WACC19.86%
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 2 / 10.
Can you provide the PE and PB ratios for AROW stock?
The Price/Earnings (PE) ratio for ARROW FINANCIAL CORP (AROW) is 15.78 and the Price/Book (PB) ratio is 1.29.
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.