Arrow Financial Statistics
Total Valuation
Arrow Financial has a market cap or net worth of $457.34 million. The enterprise value is $232.11 million.
Important Dates
The last earnings date was Thursday, July 24, 2025, before market open.
| Earnings Date | Jul 24, 2025 |
| Ex-Dividend Date | Aug 11, 2025 |
Share Statistics
Arrow Financial has 16.47 million shares outstanding. The number of shares has decreased by -1.44% in one year.
| Current Share Class | 16.47M |
| Shares Outstanding | 16.47M |
| Shares Change (YoY) | -1.44% |
| Shares Change (QoQ) | -0.73% |
| Owned by Insiders (%) | 3.13% |
| Owned by Institutions (%) | 40.46% |
| Float | 14.07M |
Valuation Ratios
The trailing PE ratio is 15.19 and the forward PE ratio is 9.68.
| PE Ratio | 15.19 |
| Forward PE | 9.68 |
| PS Ratio | 3.30 |
| Forward PS | 2.67 |
| PB Ratio | 1.12 |
| P/TBV Ratio | 1.19 |
| P/FCF Ratio | 15.64 |
| P/OCF Ratio | 12.92 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 7.60 |
| EV / Sales | 1.65 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 7.94 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.61 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 7.72%.
| Return on Equity (ROE) | 7.72% |
| Return on Assets (ROA) | 0.71% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $253,469 |
| Profits Per Employee | $55,162 |
| Employee Count | 554 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Arrow Financial has paid $8.23 million in taxes.
| Income Tax | 8.23M |
| Effective Tax Rate | 21.21% |
Stock Price Statistics
The stock price has increased by +0.58% in the last 52 weeks. The beta is 0.81, so Arrow Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.81 |
| 52-Week Price Change | +0.58% |
| 50-Day Moving Average | 26.77 |
| 200-Day Moving Average | 27.45 |
| Relative Strength Index (RSI) | 54.79 |
| Average Volume (20 Days) | 38,082 |
Short Selling Information
The latest short interest is 131,179, so 0.80% of the outstanding shares have been sold short.
| Short Interest | 131,179 |
| Short Previous Month | 136,328 |
| Short % of Shares Out | 0.80% |
| Short % of Float | 0.93% |
| Short Ratio (days to cover) | 3.90 |
Income Statement
In the last 12 months, Arrow Financial had revenue of $140.42 million and earned $30.56 million in profits. Earnings per share was $1.83.
| Revenue | 140.42M |
| Gross Profit | 140.42M |
| Operating Income | 41.47M |
| Pretax Income | 39.55M |
| Net Income | 30.56M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.83 |
Full Income StatementBalance Sheet
The company has $272.44 million in cash and $47.21 million in debt, giving a net cash position of $225.24 million or $13.68 per share.
| Cash & Cash Equivalents | 272.44M |
| Total Debt | 47.21M |
| Net Cash | 225.24M |
| Net Cash Per Share | $13.68 |
| Equity (Book Value) | 408.51M |
| Book Value Per Share | 24.78 |
| Working Capital | -3.67B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $35.39 million and capital expenditures -$6.15 million, giving a free cash flow of $29.24 million.
| Operating Cash Flow | 35.39M |
| Capital Expenditures | -6.15M |
| Free Cash Flow | 29.24M |
| FCF Per Share | $1.78 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 29.53% |
| Pretax Margin | 27.62% |
| Profit Margin | 21.76% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 20.82% |
Dividends & Yields
This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 4.07%.
| Dividend Per Share | $1.16 |
| Dividend Yield | 4.07% |
| Dividend Growth (YoY) | 4.63% |
| Years of Dividend Growth | 31 |
| Payout Ratio | 61.79% |
| Buyback Yield | 1.44% |
| Shareholder Yield | 5.62% |
| Earnings Yield | 6.68% |
| FCF Yield | 6.39% |
Dividend DetailsAnalyst Forecast
The average price target for Arrow Financial is $28.00, which is 0.90% higher than the current price. The consensus rating is "Hold".
| Price Target | $28.00 |
| Price Target Difference | 0.90% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on September 19, 2023. It was a forward split with a ratio of 1.03:1.
| Last Split Date | Sep 19, 2023 |
| Split Type | Forward |
| Split Ratio | 1.03:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |