Stock AROW ARROW FINANCIAL CORPORATION
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Financials Arrow Financial Corporation

Equities

AROW

US0427441029

Banks

Real-time Estimate Cboe BZX
Other stock markets
 01:51:40 2024-04-30 pm EDT 		5-day change 1st Jan Change
22.56 USD -1.07% Intraday chart for Arrow Financial Corporation -3.01% -19.64%
02:26pm Earnings Flash (AROW) ARROW FINANCIAL CORPORATION Posts Q1 EPS $0.45 MT
Mar. 04 Arrow Financial Unit to Acquire Berkshire Bank's New York Branch MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 566.1 463.3 564.5 560.3 476.5 380.6 -
Enterprise Value (EV) 1 566.1 463.3 564.5 560.3 476.5 380.6 380.6
P/E ratio 15.1 x 11.3 x 11.4 x 11.5 x 15.8 x 10.3 x 8.59 x
Yield - 3.41% 2.88% 3.12% 3.78% 4.76% 4.82%
Capitalization / Revenue 4.87 x 3.5 x 3.96 x 3.77 x 3.56 x 2.69 x 2.44 x
EV / Revenue 4.87 x 3.5 x 3.96 x 3.77 x 3.56 x 2.69 x 2.44 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - 1.39 x 1.52 x 1.59 x 1.25 x 0.97 x 0.91 x
Nbr of stocks (in thousands) 16,856 16,928 16,999 17,025 17,055 16,692 -
Reference price 2 33.58 27.37 33.21 32.91 27.94 22.80 22.80
Announcement Date 1/28/20 1/28/21 1/27/22 1/30/23 2/1/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 116.3 132.3 142.6 148.8 133.9 141.6 155.8
EBITDA - - - - - - -
EBIT - - - - - - -
Operating Margin - - - - - - -
Earnings before Tax (EBT) 1 - 51.86 64.4 - 37.52 47.86 57.06
Net income 1 - 40.83 49.86 48.8 30.08 37.69 44.96
Net margin - 30.85% 34.96% 32.79% 22.45% 26.61% 28.86%
EPS 2 2.221 2.416 2.922 2.864 1.770 2.220 2.655
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 0.9334 0.9577 1.025 1.056 1.085 1.100
Announcement Date 1/28/20 1/28/21 1/27/22 1/30/23 2/1/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 36.44 34.93 35.86 36.63 38.63 37.7 34.88 32.68 33.4 33.1 33.3 35 35.92 37.42 36.9
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 16.81 13.37 16.27 15.53 15.56 15.54 10.92 7.647 9.57 9.382 10.14 11.44 12.44 13.78 12.49
Net income 1 12.99 10.31 12.58 11.97 12.16 12.09 8.562 6.047 7.743 7.723 7.99 9.03 9.805 10.87 9.82
Net margin 35.65% 29.51% 35.07% 32.69% 31.48% 32.06% 24.55% 18.5% 23.18% 23.33% 23.99% 25.8% 27.3% 29.05% 26.61%
EPS 2 0.7635 0.5938 0.7352 0.7070 0.7184 0.7087 0.5048 0.3495 0.4600 0.4600 0.4650 0.5350 0.5800 0.6400 0.5850
Dividend per Share 2 0.2375 0.2451 0.2545 0.2545 0.2544 0.2621 0.2621 0.2621 0.2620 0.2700 0.2700 0.2700 0.2700 0.2750 0.2750
Announcement Date 10/26/21 1/27/22 4/26/22 7/27/22 10/27/22 1/30/23 7/24/23 8/8/23 10/24/23 2/1/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - 12.8% 14.1% 13.6% 8.29% 9.75% 11%
ROA (Net income/ Total Assets) - 1.17% 1.28% 1.21% 0.74% 0.87% 0.98%
Assets 1 - 3,489 3,895 4,033 4,064 4,332 4,587
Book Value Per Share 2 - 19.70 21.80 20.70 22.40 23.50 25.10
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/28/20 1/28/21 1/27/22 1/30/23 2/1/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Arrow Financial Corporation

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
2
Last Close Price
22.8 USD
Average target price
26 USD
Spread / Average Target
+14.04%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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