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Arrow Financial Corporation AROW

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Price alert · AROW

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39.26 USD +0.90 +2.35%

At close · Nov 2

39.26 0.00 0.00%

After hours · Nov 2, 4:00 PM ET

Bid
39.27 × 2
Ask
39.34 × 2
38.31 Day range 39.34
28.00 52-week range 42.70
YTD
+25.03%
1 year
+40.77%
Open
38.51
Prev close
38.36
Mkt cap
727.69M
Vol
91.94K
Avg vol
82.57K
EPS
2.60
P/E
15.10
Div yield
3.86%
More statistics
Low
38.31
High
39.34
Forward P/E
11.08
Beta
0.72
Short ratio
2.54
Inst. own
50.62%
Dividend
1.12
Ex-div date
Oct 14, 2024
Earnings
Feb 6, 2025
50-d avg
31.09
200-d avg
27.51
1y target
33.25

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Financial health

Altman Z-Score

0.18 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 2
  • P/B 3

Valuation

P/E 11.8×
FY 2016: 21.7×FY 2017: 17.1×FY 2018: 13.5×FY 2019: 16.5×FY 2020: 12.0×FY 2021: 11.7×FY 2022: 11.8×FY 2023: 15.8×FY 2024: 16.1×FY 2025: 11.8×
FY 2016 5y median 11.8× FY 2025
P/S 2.1×
FY 2016: 5.5×FY 2017: 4.5×FY 2018: 3.9×FY 2019: 4.5×FY 2020: 3.4×FY 2021: 3.9×FY 2022: 3.6×FY 2023: 2.5×FY 2024: 2.2×FY 2025: 2.1×
FY 2016 5y median 2.5× FY 2025
P/B 1.2×
FY 2016: 2.5×FY 2017: 2.0×FY 2018: 1.8×FY 2019: 2.0×FY 2020: 1.5×FY 2021: 1.6×FY 2022: 1.6×FY 2023: 1.3×FY 2024: 1.2×FY 2025: 1.2×
FY 2016 5y median 1.3× FY 2025
P/FCF 14.3×
FY 2016: 17.3×FY 2017: 14.2×FY 2018: 13.3×FY 2019: 17.1×FY 2020: 13.2×FY 2021: 9.5×FY 2022: 12.7×FY 2023: 35.3×FY 2024: 16.6×FY 2025: 14.3×
FY 2016 5y median 14.3× FY 2025
EV/EBITDA 8.5×
FY 2016: 20.0×FY 2017: 17.2×FY 2018: 19.8×FY 2019: 17.4×FY 2020: 3.4×FY 2021: 2.7×FY 2022: 8.8×FY 2023: 9.2×FY 2024: 8.4×FY 2025: 8.5×
FY 2016 5y median 8.5× FY 2025
EV/Sales 2.1×
FY 2016: 8.4×FY 2017: 6.9×FY 2018: 7.9×FY 2019: 6.6×FY 2020: 1.4×FY 2021: 1.3×FY 2022: 3.9×FY 2023: 2.1×FY 2024: 1.6×FY 2025: 2.1×
FY 2016 5y median 2.1× FY 2025
FCF Yield 7.0%
FY 2016: 5.8%FY 2017: 7.0%FY 2018: 7.5%FY 2019: 5.9%FY 2020: 7.6%FY 2021: 10.5%FY 2022: 7.9%FY 2023: 2.8%FY 2024: 6.0%FY 2025: 7.0%
FY 2016 5y median 7.0% FY 2025

Profitability

Gross Margin 65.3%
FY 2016: 92.9%FY 2017: 91.3%FY 2018: 88.0%FY 2019: 82.8%FY 2020: 84.8%FY 2021: 96.3%FY 2022: 90.0%FY 2023: 68.1%FY 2024: 60.4%FY 2025: 65.3%
FY 2016 5y median 68.1% FY 2025
Operating Margin 22.8%
FY 2016: 36.0%FY 2017: 35.5%FY 2018: 36.1%FY 2019: 34.0%FY 2020: 35.9%FY 2021: 43.5%FY 2022: 39.2%FY 2023: 19.6%FY 2024: 16.7%FY 2025: 22.8%
FY 2016 5y median 22.8% FY 2025
Net Margin 18.1%
FY 2016: 25.3%FY 2017: 26.1%FY 2018: 28.9%FY 2019: 27.1%FY 2020: 28.2%FY 2021: 33.7%FY 2022: 30.4%FY 2023: 15.7%FY 2024: 13.3%FY 2025: 18.1%
FY 2016 5y median 18.1% FY 2025
ROE 10.2%
FY 2016: 11.4%FY 2017: 11.7%FY 2018: 13.5%FY 2019: 12.4%FY 2020: 12.2%FY 2021: 13.4%FY 2022: 13.8%FY 2023: 7.9%FY 2024: 7.4%FY 2025: 10.2%
FY 2016 5y median 10.2% FY 2025
ROIC -7.2%
FY 2016: 5.4%FY 2017: 5.7%FY 2018: 5.6%FY 2019: 6.6%FY 2020: 9.0%FY 2021: 10.4%FY 2022: 10.4%FY 2023: 6.2%FY 2024: 6.2%FY 2025: -7.2%
FY 2016 5y median 6.2% FY 2025
ROA 1.0%
FY 2016: 1.0%FY 2017: 1.1%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 1.1%FY 2021: 1.2%FY 2022: 1.2%FY 2023: 0.7%FY 2024: 0.7%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 8.7%
FY 2016: 6.0%FY 2017: 7.2%FY 2018: 11.7%FY 2019: 10.3%FY 2020: 4.5%FY 2021: 2.3%FY 2022: 8.5%FY 2023: 19.4%FY 2024: 16.4%FY 2025: 8.7%
FY 2016 FY 2025
Operating Income 48.3%
FY 2016: 7.0%FY 2017: 5.6%FY 2018: 13.7%FY 2019: 3.9%FY 2020: 10.2%FY 2021: 24.2%FY 2022: -2.3%FY 2023: -40.4%FY 2024: -0.4%FY 2025: 48.3%
FY 2016 FY 2025
EPS (diluted) 49.7%
FY 2016: 6.5%FY 2017: 9.7%FY 2018: 22.7%FY 2019: 0.0%FY 2020: 8.6%FY 2021: 21.2%FY 2022: -2.1%FY 2023: -38.1%FY 2024: 0.0%FY 2025: 49.7%
FY 2016 FY 2025
Free Cash Flow 25.3%
FY 2016: 21.8%FY 2017: 5.9%FY 2018: 4.7%FY 2019: -1.9%FY 2020: 2.8%FY 2021: 64.2%FY 2022: -25.6%FY 2023: -70.3%FY 2024: 113.9%FY 2025: 25.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.1×
FY 2016: 1.5×FY 2017: 1.4×FY 2018: 2.2×FY 2019: 1.2×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.0×
FY 2016: 6.9×FY 2017: 6.1×FY 2018: 10.1×FY 2019: 5.6×FY 2020: -5.0×FY 2021: -5.4×FY 2022: 0.6×FY 2023: -1.6×FY 2024: -2.8×FY 2025: 0.0×
FY 2016 5y median -1.6× FY 2025
Interest Coverage 0.7×
FY 2016: 7.0×FY 2017: 5.7×FY 2018: 3.6×FY 2019: 2.2×FY 2020: 4.1×FY 2021: 12.4×FY 2022: 5.6×FY 2023: 0.6×FY 2024: 0.4×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 3.6%
FY 2016: 2.3%FY 2017: 2.7%FY 2018: 2.9%FY 2019: 2.5%FY 2020: 3.2%FY 2021: 2.8%FY 2022: 3.0%FY 2023: 3.8%FY 2024: 3.8%FY 2025: 3.6%
FY 2016 5y median 3.6% FY 2025
Payout Ratio 43.0%
FY 2016: 49.3%FY 2017: 46.4%FY 2018: 39.7%FY 2019: 40.6%FY 2020: 38.6%FY 2021: 32.7%FY 2022: 35.7%FY 2023: 59.8%FY 2024: 61.6%FY 2025: 43.0%
FY 2016 5y median 43.0% FY 2025

Annual · latest fiscal year ends 2025-12-31