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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.59
AROW's Cash to Debt is ranked higher than
51% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. AROW: 1.59 )
Ranked among companies with meaningful Cash to Debt only.
AROW' s 10-Year Cash to Debt Range
Min: 0.16  Med: 0.50 Max: 45
Current: 1.59
0.16
45
Equity to Asset 0.09
AROW's Equity to Asset is ranked lower than
60% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. AROW: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
AROW' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.12
Current: 0.09
0.07
0.12
Interest Coverage 5.81
AROW's Interest Coverage is ranked higher than
83% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. AROW: 5.81 )
Ranked among companies with meaningful Interest Coverage only.
AROW' s 10-Year Interest Coverage Range
Min: 0.52  Med: 1.11 Max: 5.81
Current: 5.81
0.52
5.81
F-Score: 5
WACC vs ROIC
7.99%
12.82%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 38.00
AROW's Operating margin (%) is ranked higher than
70% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. AROW: 38.00 )
Ranked among companies with meaningful Operating margin (%) only.
AROW' s 10-Year Operating margin (%) Range
Min: -126.61  Med: 39.77 Max: 54.67
Current: 38
-126.61
54.67
Net-margin (%) 26.37
AROW's Net-margin (%) is ranked higher than
66% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. AROW: 26.37 )
Ranked among companies with meaningful Net-margin (%) only.
AROW' s 10-Year Net-margin (%) Range
Min: 24.6  Med: 27.75 Max: 101.72
Current: 26.37
24.6
101.72
ROE (%) 11.97
AROW's ROE (%) is ranked higher than
74% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. AROW: 11.97 )
Ranked among companies with meaningful ROE (%) only.
AROW' s 10-Year ROE (%) Range
Min: 11.85  Med: 15.83 Max: 28.63
Current: 11.97
11.85
28.63
ROA (%) 1.07
AROW's ROA (%) is ranked higher than
69% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. AROW: 1.07 )
Ranked among companies with meaningful ROA (%) only.
AROW' s 10-Year ROA (%) Range
Min: 1.04  Med: 1.29 Max: 2.81
Current: 1.07
1.04
2.81
ROC (Joel Greenblatt) (%) 110.08
AROW's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. AROW: 110.08 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
AROW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -116.12  Med: 160.40 Max: 659.57
Current: 110.08
-116.12
659.57
Revenue Growth (3Y)(%) 1.70
AROW's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. AROW: 1.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AROW' s 10-Year Revenue Growth (3Y)(%) Range
Min: -34.9  Med: 4.10 Max: 71.3
Current: 1.7
-34.9
71.3
EBITDA Growth (3Y)(%) 1.60
AROW's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. AROW: 1.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AROW' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -7.8  Med: 5.30 Max: 18.9
Current: 1.6
-7.8
18.9
EPS Growth (3Y)(%) 1.70
AROW's EPS Growth (3Y)(%) is ranked lower than
67% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. AROW: 1.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AROW' s 10-Year EPS Growth (3Y)(%) Range
Min: -7.9  Med: 4.00 Max: 15.2
Current: 1.7
-7.9
15.2
» AROW's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

AROW Guru Trades in Q2 2014

Jim Simons 88,921 sh (+3.96%)
» More
Q3 2014

AROW Guru Trades in Q3 2014

Jim Simons 104,320 sh (+15.02%)
» More
Q4 2014

AROW Guru Trades in Q4 2014

Jim Simons 140,820 sh (+34.99%)
» More
Q1 2015

AROW Guru Trades in Q1 2015

Jim Simons 159,620 sh (+13.35%)
» More
» Details

Insider Trades

Latest Guru Trades with AROW

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 14.40
AROW's P/E(ttm) is ranked lower than
51% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. AROW: 14.40 )
Ranked among companies with meaningful P/E(ttm) only.
AROW' s 10-Year P/E(ttm) Range
Min: 9.89  Med: 13.87 Max: 17.34
Current: 14.4
9.89
17.34
Forward P/E 13.21
AROW's Forward P/E is ranked lower than
58% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. AROW: 13.21 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.50
AROW's PE(NRI) is ranked lower than
51% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. AROW: 14.50 )
Ranked among companies with meaningful PE(NRI) only.
AROW' s 10-Year PE(NRI) Range
Min: 9.86  Med: 13.91 Max: 17.28
Current: 14.5
9.86
17.28
P/B 1.69
AROW's P/B is ranked lower than
81% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. AROW: 1.69 )
Ranked among companies with meaningful P/B only.
AROW' s 10-Year P/B Range
Min: 1.5  Med: 1.90 Max: 2.85
Current: 1.69
1.5
2.85
P/S 3.79
AROW's P/S is ranked lower than
67% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. AROW: 3.79 )
Ranked among companies with meaningful P/S only.
AROW' s 10-Year P/S Range
Min: 2.81  Med: 3.74 Max: 16.34
Current: 3.79
2.81
16.34
PFCF 11.55
AROW's PFCF is ranked higher than
50% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. AROW: 11.55 )
Ranked among companies with meaningful PFCF only.
AROW' s 10-Year PFCF Range
Min: 6.94  Med: 12.17 Max: 34.75
Current: 11.55
6.94
34.75
POCF 10.92
AROW's POCF is ranked lower than
54% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. AROW: 10.92 )
Ranked among companies with meaningful POCF only.
AROW' s 10-Year POCF Range
Min: 7.43  Med: 11.05 Max: 30.98
Current: 10.92
7.43
30.98
EV-to-EBIT 8.84
AROW's EV-to-EBIT is ranked higher than
77% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. AROW: 8.84 )
Ranked among companies with meaningful EV-to-EBIT only.
AROW' s 10-Year EV-to-EBIT Range
Min: -19.8  Med: 11.60 Max: 16.9
Current: 8.84
-19.8
16.9
PEG 4.68
AROW's PEG is ranked lower than
89% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. AROW: 4.68 )
Ranked among companies with meaningful PEG only.
AROW' s 10-Year PEG Range
Min: 0.84  Med: 2.15 Max: 4.66
Current: 4.68
0.84
4.66
Shiller P/E 14.81
AROW's Shiller P/E is ranked higher than
63% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. AROW: 14.81 )
Ranked among companies with meaningful Shiller P/E only.
AROW' s 10-Year Shiller P/E Range
Min: 9.95  Med: 13.82 Max: 19.5
Current: 14.81
9.95
19.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.66
AROW's Dividend Yield is ranked higher than
71% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. AROW: 3.66 )
Ranked among companies with meaningful Dividend Yield only.
AROW' s 10-Year Dividend Yield Range
Min: 2.65  Med: 3.81 Max: 4.98
Current: 3.66
2.65
4.98
Dividend Payout 0.52
AROW's Dividend Payout is ranked lower than
76% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. AROW: 0.52 )
Ranked among companies with meaningful Dividend Payout only.
AROW' s 10-Year Dividend Payout Range
Min: 0.11  Med: 0.48 Max: 0.67
Current: 0.52
0.11
0.67
Dividend growth (3y) 2.20
AROW's Dividend growth (3y) is ranked lower than
68% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. AROW: 2.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
AROW' s 10-Year Dividend growth (3y) Range
Min: 2.2  Med: 7.00 Max: 22.3
Current: 2.2
2.2
22.3
Yield on cost (5-Year) 4.22
AROW's Yield on cost (5-Year) is ranked higher than
70% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. AROW: 4.22 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AROW' s 10-Year Yield on cost (5-Year) Range
Min: 3.06  Med: 4.40 Max: 5.75
Current: 4.22
3.06
5.75
Share Buyback Rate -0.40
AROW's Share Buyback Rate is ranked higher than
64% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. AROW: -0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
AROW' s 10-Year Share Buyback Rate Range
Min: 6.5  Med: 0.80 Max: -0.6
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.92
AROW's Price/Tangible Book is ranked lower than
81% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. AROW: 1.92 )
Ranked among companies with meaningful Price/Tangible Book only.
AROW' s 10-Year Price/Tangible Book Range
Min: 1.31  Med: 2.16 Max: 3.03
Current: 1.92
1.31
3.03
Price/Projected FCF 0.86
AROW's Price/Projected FCF is ranked lower than
66% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. AROW: 0.86 )
Ranked among companies with meaningful Price/Projected FCF only.
AROW' s 10-Year Price/Projected FCF Range
Min: 0.45  Med: 0.86 Max: 559.63
Current: 0.86
0.45
559.63
Price/Median PS Value 1.01
AROW's Price/Median PS Value is ranked higher than
64% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. AROW: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
AROW' s 10-Year Price/Median PS Value Range
Min: 0.55  Med: 1.01 Max: 4.33
Current: 1.01
0.55
4.33
Price/Graham Number 1.11
AROW's Price/Graham Number is ranked lower than
70% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. AROW: 1.11 )
Ranked among companies with meaningful Price/Graham Number only.
AROW' s 10-Year Price/Graham Number Range
Min: 0.66  Med: 1.14 Max: 1.49
Current: 1.11
0.66
1.49
Earnings Yield (Greenblatt) (%) 11.39
AROW's Earnings Yield (Greenblatt) (%) is ranked higher than
79% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. AROW: 11.39 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AROW' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.9  Med: 8.30 Max: 17.6
Current: 11.39
5.9
17.6
Forward Rate of Return (Yacktman) (%) 10.83
AROW's Forward Rate of Return (Yacktman) (%) is ranked lower than
56% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. AROW: 10.83 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AROW' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 5.7  Med: 8.80 Max: 25.8
Current: 10.83
5.7
25.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Arrow Financial Corporation was incorporated on March 21, 1983 in the state of New York. The Company's business consists primarily of the ownership, supervision and control of its two banks. It owns two nationally chartered banks are Glens Falls National and Saratoga National in New York. It provides various advisory and administrative services and coordinates the general policies and operation of the banks. It offers a full range of commercial and consumer banking and financial products. Its deposits base consists of deposits derived from the communities it serves. Through its banks' trust operations, the Company provides retirement planning, trust and estate administration services for individuals, and pension, profit-sharing and employee benefit plan administration for corporations. It is engaged in a range of lending activities, including commercial and industrial lending to small and mid-sized companies; mortgage lending for residential and commercial properties; and consumer installment and home equity financing. It also maintains an active indirect lending program through its sponsorship of automobile dealer programs under which it purchase dealer paper from dealers that meet pre-established specifications. It sells a portion of its residential real estate loan originations into the secondary market to the Federal Home Loan Mortgage Corporation and state housing agencies. The Company competes with commercial banks, savings banks, savings and loan institutions and credit unions, as well as local offices of regional and money center banks.
» More Articles for NAS:AROW

Headlines

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More From Other Websites
Arrow Named to “Midtier Performers” List Jun 18 2015
Arrow Declares June Cash Dividend May 25 2015
ARROW FINANCIAL CORP Financials May 15 2015
10-Q for Arrow Financial Corp. May 11 2015
ARROW FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 08 2015
ARROW FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 07 2015
10-K for Arrow Financial Corp. May 05 2015
Wednesday, April 29, 2015 Arrow Financial Corporation Declares Cash Dividend Apr 29 2015
Arrow Financial Corporation Declares Cash Dividend Apr 29 2015
Tuesday, April 21, 2015 Arrow Reports First-Quarter Net Income Increase of 10.1%, Diluted EPS Up... Apr 21 2015
ARROW FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 21 2015
Arrow Financial posts 1Q profit Apr 21 2015
Arrow Financial posts 1Q profit Apr 21 2015
Arrow Reports First-Quarter Net Income Increase of 10.1%, Diluted EPS up 9.5% Apr 21 2015
Monday, April 13, 2015 Arrow Awarded Raymond James Community Bankers Cup Apr 14 2015
Arrow Awarded Raymond James Community Bankers Cup Apr 13 2015
ARROW FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 13 2015
Friday, February 13, 2015 Kaiser Appointed Senior Vice President of Arrow Financial Corporation Feb 13 2015
Kaiser Appointed Senior Vice President of Arrow Financial Corporation Feb 13 2015
ARROW FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Feb 02 2015

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