NASDAQ
AROW
Last Price
US $40.80
KEY FIGURES
MKT CAP
$0.7B
EPS
TTM
$3.12
PEG
TTM
0.16x
P/E
TTM
13.07x
P/S
TTM
2.71x
YIELD
2.89%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
12.04%
Return on equity
ROIC: 44.79%
Valuation History
13.1X
Price to Earnings
EV/EBITDA: 9.7X
Cash flow
Profit margin
10.91%
(FY vs FY)
EBITDA Y/Y
0.70%
(FY vs FY)
Cash flow Y/Y
-0.54%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $40.80
-38.55%
Default assumptions
EBITDA Multiple
Fair Value
Market $40.80
-42.45%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Arrow Financial Corporation cash flow to debt ratio of 141.40% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
Arrow Financial Corporation's free cash flow has increased 25.35% from $28.87M last year to $36.19M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Arrow Financial Corporation's debt to equity ratio is 0.08, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Arrow Financial Corporation's debt has decreased relative to shareholder equity from 0.08 last year to 0.08 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Arrow Financial Corporation has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Arrow Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Arrow Financial Corporation's profit margin has increased (55.55%) in the last year from 13.32% to 20.72%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Arrow Financial Corporation's short-term liabilities of $722.37M exceed its short-term assets of $29.13M, signaling financial risk
Decreasing performance - ROA.
Arrow Financial Corporation's return on assets of 1.13% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Arrow Financial Corporation's return on equity of 12.04%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
Arrow Financial Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
Arrow Financial Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Arrow Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Arrow Financial Corporation has a free cash flow yield of 5.37%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Arrow Financial Corporation's yearly earnings has increased 47.95% since last year from $29.71M to $43.95M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Arrow Financial Corporation's yearly revenue has increased 8.75% since last year from $223.07M to $242.58M, signaling increasing performance
Increasing performance - ROIC.
ROIC 44.79% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Increasing performance - 3-year revenue CAGR.
Arrow Financial Corporation's 3-year revenue CAGR of 14.75% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Arrow Financial Corporation had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Arrow Financial Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Arrow Financial Corporation is overvalued relative to its fair value price of 25.07 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Arrow Financial Corporation has an earnings yield of 7.65%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Arrow Financial Corporation is overvalued relative to its fair value price of 23.48 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Arrow Financial Corporation has an EV/EBITDA ratio of 11.09x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Arrow Financial Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Arrow Financial Corporation has a price-to-book ratio of 1.52x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Arrow Financial Corporation has a price-to-sales ratio of 2.71x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue