Arrow Financial Corporation (AROW)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 132 | 143 | 149 | 134 | 140 | 166 | 138 | - |
| Operating profit | $m | 55 | 34 | ||||||
| Net profit | $m | 41 | 50 | 49 | 30 | 30 | 44 | 51 | 58 |
| EPS reported | $ | 2.65 | 3.12 | ||||||
| Operating cashflow per share | $ | 2.50 | 3.17 | ||||||
| Capex per share | $ | 0.31 | 0.45 | ||||||
| FCF per share | $ | 2.19 | 2.72 | ||||||
| Free cash flow | $m | 36 | 45 | ||||||
| Net debt | $m | -5 | 304 | ||||||
| Book value equity | $m | 432 | 446 | ||||||
| Book value per share | $ | 26.15 | 27.15 | ||||||
| Number of shares | m | 16.51 | 16.44 | ||||||
| DPS (TTM paid) | $ | 1.14 | 1.19 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.85 | 12.11 | ||||||
| P/B LTM | x | 1.20 | 1.16 | ||||||
| P/S LTM | x | 3.13 | 3.77 | ||||||
| P/FCF LTM | x | 14.32 | 11.61 | ||||||
| EV/EBITDA LTM | x | 8.52 | 13.97 | ||||||
| EV/Sales LTM | x | 2.14 | 4.52 | ||||||
| Earnings Yield LTM | % | +8.44% | +8.26% | ||||||
| FCF Yield | % | +6.98% | +8.62% | ||||||
| Quality | |||||||||
| ROE | % | +10.18% | +11.82% | ||||||
| ROIC | % | -7.23% | +3.29% | ||||||
| Operating margin | % | +22.83% | +16.19% | ||||||
| Gross margin | % | +65.27% | +63.64% | ||||||
| FCF/Sales | % | +14.92% | +21.07% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +49.72% | +76.27% | ||||||
| Sales Growth YoY | % | +18.45% | -1.60% | ||||||
| Net Income Growth YoY | % | +47.95% | +72.62% | ||||||
| FCF Growth | % | +25.35% | +54.64% | ||||||
| Operating Profit Growth | % | +48.26% | -8.19% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.65% | +3.01% | ||||||
| Dividend Growth | % | +4.59% | +9.17% | ||||||
| Payout Ratio | % | +43.18% | +37.98% | ||||||
| FCF/Debt | x | 1.24 | 0.13 | ||||||
| Net Debt/EBITDA | x | 0.00 | 8.20 | ||||||
| EBIT/Net interest | x | 0.72 | 0.46 | ||||||
| Net debt/market cap | % | +4.68% | +50.48% | ||||||
| Net debt/Equity | x | -0.01 | 0.68 | ||||||
| Gross debt/equity | x | 0.07 | 0.75 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Arrow Financial Corporation functions as a bank holding company, delivering a comprehensive suite of commercial and consumer banking services, alongside various financial products. Its core deposit offerings include conventional options like demand accounts, interest-bearing checking accounts, savings accounts, and diverse time deposits. The company's lending portfolio features commercial credit facilities such as term loans, time-based notes, and revolving lines of credit. It also extends financing for commercial real estate, encompassing property acquisitions, refinancing, expansions, and improvements, in addition to loans for commercial construction and land development. On the consumer side, Arrow Financial provides installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans. Residential real estate financing is another key component, offering mortgages, fixed home equity loans, and home equity lines of credit to support home improvements, debt consolidation, educational funding, and other personal requirements. Furthermore, the company operates an indirect lending program and actively sells its originated residential real estate loans into the secondary market. Beyond traditional banking, Arrow Financial offers comprehensive wealth management and trust services. This includes retirement planning, trust administration, and estate management for individuals, as well as pension, profit-sharing, and employee benefit plan administration for corporate clients. The corporation also operates an insurance agency, providing group health, life, and property and casualty policies. Additionally, it offers investment advisory services for its proprietary mutual funds and holds an interest in a real estate investment trust. The company's operational footprint spans the northeastern region of New York State, specifically serving Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, along with neighboring communities. Its physical infrastructure comprises 26 owned branch banking locations, 12 leased branch offices, and two dedicated residential loan origination centers. Established in 1851, Arrow Financial Corporation maintains its corporate headquarters in Glens Falls, New York.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Arrow Financial Corporation (AROW)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Arrow Financial Corporation functions as a bank holding company, delivering a comprehensive suite of commercial and consumer banking services, alongside various financial products. Its core deposit offerings include conventional options like demand accounts, interest-bearing checking accounts, savings accounts, and diverse time deposits. The company's lending portfolio features commercial credit facilities such as term loans, time-based notes, and revolving lines of credit. It also extends financing for commercial real estate, encompassing property acquisitions, refinancing, expansions, and improvements, in addition to loans for commercial construction and land development. On the consumer side, Arrow Financial provides installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans. Residential real estate financing is another key component, offering mortgages, fixed home equity loans, and home equity lines of credit to support home improvements, debt consolidation, educational funding, and other personal requirements. Furthermore, the company operates an indirect lending program and actively sells its originated residential real estate loans into the secondary market. Beyond traditional banking, Arrow Financial offers comprehensive wealth management and trust services. This includes retirement planning, trust administration, and estate management for individuals, as well as pension, profit-sharing, and employee benefit plan administration for corporate clients. The corporation also operates an insurance agency, providing group health, life, and property and casualty policies. Additionally, it offers investment advisory services for its proprietary mutual funds and holds an interest in a real estate investment trust. The company's operational footprint spans the northeastern region of New York State, specifically serving Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, along with neighboring communities. Its physical infrastructure comprises 26 owned branch banking locations, 12 leased branch offices, and two dedicated residential loan origination centers. Established in 1851, Arrow Financial Corporation maintains its corporate headquarters in Glens Falls, New York.
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