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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.29
AROW's Cash-to-Debt is ranked lower than
82% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. AROW: 0.29 )
Ranked among companies with meaningful Cash-to-Debt only.
AROW' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.31 Max: 12.34
Current: 0.29
0.17
12.34
Equity-to-Asset 0.09
AROW's Equity-to-Asset is ranked lower than
58% of the 1372 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.09
Current: 0.09
0.07
0.09
Interest Coverage 7.05
AROW's Interest Coverage is ranked higher than
86% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. AROW: 7.05 )
Ranked among companies with meaningful Interest Coverage only.
AROW' s Interest Coverage Range Over the Past 10 Years
Min: 0.6  Med: 2.18 Max: 7.33
Current: 7.05
0.6
7.33
Piotroski F-Score: 3
Beneish M-Score: -2.37
WACC vs ROIC
5.72%
8.89%
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 % 37.98
AROW's Operating Margin % is ranked higher than
69% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. AROW: 37.98 )
Ranked among companies with meaningful Operating Margin % only.
AROW' s Operating Margin % Range Over the Past 10 Years
Min: 36.63  Med: 37.83 Max: 40.05
Current: 37.98
36.63
40.05
Net Margin % 26.70
AROW's Net Margin % is ranked higher than
66% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. AROW: 26.70 )
Ranked among companies with meaningful Net Margin % only.
AROW' s Net Margin % Range Over the Past 10 Years
Min: 25.86  Med: 26.47 Max: 27.81
Current: 26.7
25.86
27.81
ROE % 11.82
AROW's ROE % is ranked higher than
74% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. AROW: 11.82 )
Ranked among companies with meaningful ROE % only.
AROW' s ROE % Range Over the Past 10 Years
Min: 11.82  Med: 13.37 Max: 16.48
Current: 11.82
11.82
16.48
ROA % 1.05
AROW's ROA % is ranked higher than
66% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. AROW: 1.05 )
Ranked among companies with meaningful ROA % only.
AROW' s ROA % Range Over the Past 10 Years
Min: 1.04  Med: 1.12 Max: 1.26
Current: 1.05
1.04
1.26
3-Year Revenue Growth Rate 4.90
AROW's 3-Year Revenue Growth Rate is ranked higher than
57% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. AROW: 4.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
AROW' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -34.8  Med: 4.3 Max: 71.1
Current: 4.9
-34.8
71.1
3-Year EBITDA Growth Rate -2.40
AROW's 3-Year EBITDA Growth Rate is ranked lower than
73% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. AROW: -2.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
AROW' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -3.5  Med: 5.3 Max: 16.1
Current: -2.4
-3.5
16.1
3-Year EPS without NRI Growth Rate 6.10
AROW's 3-Year EPS without NRI Growth Rate is ranked lower than
53% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. AROW: 6.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
AROW' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -2.9  Med: 5.1 Max: 15.5
Current: 6.1
-2.9
15.5
GuruFocus has detected 3 Warning Signs with Arrow Financial Corp $AROW.
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» AROW's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

AROW Guru Trades in Q1 2016

Jim Simons 294,186 sh (+11.86%)
» More
Q2 2016

AROW Guru Trades in Q2 2016

Jim Simons 283,486 sh (-3.64%)
» More
Q3 2016

AROW Guru Trades in Q3 2016

Jim Simons 277,566 sh (-4.94%)
» More
Q4 2016

AROW Guru Trades in Q4 2016

Jim Simons 267,466 sh (-3.64%)
» More
» Details

Insider Trades

Latest Guru Trades with AROW

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:HEOP, OTCPK:FMCB, OTCPK:HBIA, NAS:TBK, NAS:IBCP, NAS:FCBC, NAS:SNBC, NAS:OKSB, NYSE:SCNB, NYSE:FSB, NAS:FISI, NAS:FRBK, NAS:CARO, OTCPK:SBFC, NAS:MOFG, NAS:BMRC, NAS:PGC, NAS:MSBI, NAS:NCBS, NAS:HTBK » details
Arrow Financial Corporation through its holding Glens Falls National and Saratoga National Bank provides commercial and consumer banking and financial products.

Arrow Financial Corp was incorporated on March 21, 1983 in the state of New York. The Company's business consists 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.

Ratios

vs
industry
vs
history
PE Ratio 18.05
AROW's PE Ratio is ranked lower than
66% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. AROW: 18.05 )
Ranked among companies with meaningful PE Ratio only.
AROW' s PE Ratio Range Over the Past 10 Years
Min: 9.87  Med: 13.84 Max: 20.99
Current: 18.05
9.87
20.99
PE Ratio without NRI 17.96
AROW's PE Ratio without NRI is ranked lower than
65% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. AROW: 17.96 )
Ranked among companies with meaningful PE Ratio without NRI only.
AROW' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.83  Med: 13.82 Max: 20.88
Current: 17.96
9.83
20.88
Price-to-Owner-Earnings 17.07
AROW's Price-to-Owner-Earnings is ranked lower than
57% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. AROW: 17.07 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
AROW' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.19  Med: 11.59 Max: 20.05
Current: 17.07
8.19
20.05
PB Ratio 2.07
AROW's PB Ratio is ranked lower than
86% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. AROW: 2.07 )
Ranked among companies with meaningful PB Ratio only.
AROW' s PB Ratio Range Over the Past 10 Years
Min: 1.52  Med: 1.79 Max: 2.49
Current: 2.07
1.52
2.49
PS Ratio 4.81
AROW's PS Ratio is ranked lower than
76% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. AROW: 4.81 )
Ranked among companies with meaningful PS Ratio only.
AROW' s PS Ratio Range Over the Past 10 Years
Min: 2.82  Med: 3.71 Max: 16.23
Current: 4.81
2.82
16.23
Price-to-Free-Cash-Flow 19.82
AROW's Price-to-Free-Cash-Flow is ranked lower than
64% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. AROW: 19.82 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AROW' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.96  Med: 12.27 Max: 34.77
Current: 19.82
6.96
34.77
Price-to-Operating-Cash-Flow 18.99
AROW's Price-to-Operating-Cash-Flow is ranked lower than
70% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. AROW: 18.99 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AROW' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.43  Med: 11.14 Max: 31.11
Current: 18.99
7.43
31.11
EV-to-EBIT 16.44
AROW's EV-to-EBIT is ranked lower than
62% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. AROW: 16.44 )
Ranked among companies with meaningful EV-to-EBIT only.
AROW' s EV-to-EBIT Range Over the Past 10 Years
Min: -19.9  Med: 11.2 Max: 18.6
Current: 16.44
-19.9
18.6
EV-to-EBITDA 14.66
AROW's EV-to-EBITDA is ranked lower than
61% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. AROW: 14.66 )
Ranked among companies with meaningful EV-to-EBITDA only.
AROW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -23.2  Med: 9.3 Max: 16.6
Current: 14.66
-23.2
16.6
Shiller PE Ratio 19.77
AROW's Shiller PE Ratio is ranked higher than
56% of the 490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.81 vs. AROW: 19.77 )
Ranked among companies with meaningful Shiller PE Ratio only.
AROW' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.59  Med: 14.16 Max: 22.97
Current: 19.77
10.59
22.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.74
AROW's Dividend Yield % is ranked higher than
52% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. AROW: 2.74 )
Ranked among companies with meaningful Dividend Yield % only.
AROW' s Dividend Yield % Range Over the Past 10 Years
Min: 2.37  Med: 3.81 Max: 4.98
Current: 2.74
2.37
4.98
Dividend Payout Ratio 0.49
AROW's Dividend Payout Ratio is ranked lower than
75% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. AROW: 0.49 )
Ranked among companies with meaningful Dividend Payout Ratio only.
AROW' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.48  Med: 0.52 Max: 0.57
Current: 0.49
0.48
0.57
3-Year Dividend Growth Rate 2.10
AROW's 3-Year Dividend Growth Rate is ranked lower than
72% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. AROW: 2.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
AROW' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 2  Med: 4.4 Max: 13.2
Current: 2.1
2
13.2
Forward Dividend Yield % 2.80
AROW's Forward Dividend Yield % is ranked lower than
51% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. AROW: 2.80 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.05
AROW's 5-Year Yield-on-Cost % is ranked lower than
54% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. AROW: 3.05 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
AROW' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.64  Med: 4.25 Max: 5.55
Current: 3.05
2.64
5.55
3-Year Average Share Buyback Ratio -0.40
AROW's 3-Year Average Share Buyback Ratio is ranked higher than
65% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. AROW: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AROW' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.1  Med: 0.5 Max: 2.4
Current: -0.4
-1.1
2.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.31
AROW's Price-to-Tangible-Book is ranked lower than
84% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. AROW: 2.31 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AROW' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.77  Med: 2.26 Max: 3
Current: 2.31
1.77
3
Price-to-Intrinsic-Value-Projected-FCF 1.06
AROW's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
68% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. AROW: 1.06 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AROW' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.56  Med: 0.88 Max: 1.28
Current: 1.06
0.56
1.28
Price-to-Median-PS-Value 1.30
AROW's Price-to-Median-PS-Value is ranked lower than
61% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. AROW: 1.30 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AROW' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.79  Med: 1.05 Max: 4.34
Current: 1.3
0.79
4.34
Price-to-Graham-Number 1.36
AROW's Price-to-Graham-Number is ranked lower than
78% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. AROW: 1.36 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AROW' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.9  Med: 1.17 Max: 1.55
Current: 1.36
0.9
1.55
Earnings Yield (Greenblatt) % 6.13
AROW's Earnings Yield (Greenblatt) % is ranked higher than
53% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. AROW: 6.13 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AROW' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 5.4  Med: 8.8 Max: 17.6
Current: 6.13
5.4
17.6
Forward Rate of Return (Yacktman) % 7.17
AROW's Forward Rate of Return (Yacktman) % is ranked lower than
62% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. AROW: 7.17 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
AROW' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 5.9  Med: 8.6 Max: 23.1
Current: 7.17
5.9
23.1

More Statistics

Revenue (TTM) (Mil) $99.39
EPS (TTM) $ 1.97
Beta0.64
Short Percentage of Float1.70%
52-Week Range $25.06 - 41.70
Shares Outstanding (Mil)13.50
» More Articles for AROW

Headlines

Articles On GuruFocus.com
6 Stocks with Room to Grow Their Dividend Feb 12 2014 
CEO and CFO Buys at 52-Week Lows May 01 2013 
Weekly CEO Buys Highlight: WINA, AROW, HBAN, ANCX, MNRK Apr 28 2013 
Six Stocks with 10 Years of Profitability and Increased Dividends Nov 11 2012 
Dividend Stocks Deliver Returns Whether Market is Open or Not Nov 05 2012 
The 5 Best Stocks with Dividend Growth from Last Week (Oct. 29 to Nov. 4, 2012) Nov 04 2012 
Arrow Financial Corp. Reports Operating Results (10-K) Mar 10 2011 
10 Financial Services Dividend Stocks To Boost Your Yield Feb 15 2011 
16 Dividend Stocks Growing Future Yield: NS,PH,PRE,RCI Nov 01 2010 
Arrow Financial Corp. (AROW) CEO Thomas L Hoy buys 1,000 Shares Aug 13 2010 

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ETFs with exposure to Arrow Financial Corp. : January 17, 2017 Jan 17 2017
Arrow Financial Corp. breached its 50 day moving average in a Bearish Manner : AROW-US : January 13,... Jan 13 2017
ARROW FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Dec 21 2016
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