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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 0.33
AROW's Cash to Debt is ranked lower than
76% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. AROW: 0.33 )
Ranked among companies with meaningful Cash to Debt only.
AROW' s Cash to Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.49 Max: 12.34
Current: 0.33
0.16
12.34
Equity to Asset 0.09
AROW's Equity to Asset is ranked lower than
60% of the 1578 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: 0.12
Current: 0.09
0.07
0.12
Interest Coverage 7.33
AROW's Interest Coverage is ranked higher than
88% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. AROW: 7.33 )
Ranked among companies with meaningful Interest Coverage only.
AROW' s Interest Coverage Range Over the Past 10 Years
Min: 0.6  Med: 1.34 Max: 5.81
Current: 7.33
0.6
5.81
F-Score: 5
WACC vs ROIC
5.78%
10.18%
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 (%) 37.50
AROW's Operating margin (%) is ranked higher than
66% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. AROW: 37.50 )
Ranked among companies with meaningful Operating margin (%) only.
AROW' s Operating margin (%) Range Over the Past 10 Years
Min: -126.61  Med: 38.12 Max: 42.47
Current: 37.5
-126.61
42.47
Net-margin (%) 26.22
AROW's Net-margin (%) is ranked higher than
63% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. AROW: 26.22 )
Ranked among companies with meaningful Net-margin (%) only.
AROW' s Net-margin (%) Range Over the Past 10 Years
Min: 25.86  Med: 27.25 Max: 101.72
Current: 26.22
25.86
101.72
ROE (%) 11.88
AROW's ROE (%) is ranked higher than
74% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. AROW: 11.88 )
Ranked among companies with meaningful ROE (%) only.
AROW' s ROE (%) Range Over the Past 10 Years
Min: 11.85  Med: 14.38 Max: 16.48
Current: 11.88
11.85
16.48
ROA (%) 1.05
AROW's ROA (%) is ranked higher than
65% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. AROW: 1.05 )
Ranked among companies with meaningful ROA (%) only.
AROW' s ROA (%) Range Over the Past 10 Years
Min: 1.04  Med: 1.13 Max: 1.29
Current: 1.05
1.04
1.29
Revenue Growth (3Y)(%) 1.60
AROW's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. AROW: 1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AROW' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.8  Med: 4.25 Max: 71.1
Current: 1.6
-34.8
71.1
EBITDA Growth (3Y)(%) 1.60
AROW's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. AROW: 1.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AROW' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.8  Med: 5.45 Max: 18.9
Current: 1.6
-7.8
18.9
EPS Growth (3Y)(%) 1.70
AROW's EPS Growth (3Y)(%) is ranked lower than
63% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. AROW: 1.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AROW' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -8  Med: 3.55 Max: 15.3
Current: 1.7
-8
15.3
» AROW's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

AROW Guru Trades in Q1 2015

Jim Simons 159,620 sh (+13.35%)
» More
Q2 2015

AROW Guru Trades in Q2 2015

Jim Simons 189,020 sh (+18.42%)
» More
Q3 2015

AROW Guru Trades in Q3 2015

Jim Simons 232,586 sh (+23.05%)
» More
Q4 2015

AROW Guru Trades in Q4 2015

Jim Simons 262,986 sh (+13.07%)
» 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) 14.14
AROW's P/E(ttm) is ranked lower than
65% of the 2227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.73 vs. AROW: 14.14 )
Ranked among companies with meaningful P/E(ttm) only.
AROW' s P/E(ttm) Range Over the Past 10 Years
Min: 9.88  Med: 13.86 Max: 16.69
Current: 14.14
9.88
16.69
Forward P/E 13.21
AROW's Forward P/E is ranked lower than
85% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.05 vs. AROW: 13.21 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.14
AROW's PE(NRI) is ranked lower than
60% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. AROW: 14.14 )
Ranked among companies with meaningful PE(NRI) only.
AROW' s PE(NRI) Range Over the Past 10 Years
Min: 9.89  Med: 13.86 Max: 16.63
Current: 14.14
9.89
16.63
P/B 1.61
AROW's P/B is ranked lower than
83% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. AROW: 1.61 )
Ranked among companies with meaningful P/B only.
AROW' s P/B Range Over the Past 10 Years
Min: 1.5  Med: 1.83 Max: 2.67
Current: 1.61
1.5
2.67
P/S 3.69
AROW's P/S is ranked lower than
74% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. AROW: 3.69 )
Ranked among companies with meaningful P/S only.
AROW' s P/S Range Over the Past 10 Years
Min: 2.82  Med: 3.73 Max: 16.27
Current: 3.69
2.82
16.27
PFCF 12.60
AROW's PFCF is ranked lower than
70% of the 1363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. AROW: 12.60 )
Ranked among companies with meaningful PFCF only.
AROW' s PFCF Range Over the Past 10 Years
Min: 6.92  Med: 12.21 Max: 34.53
Current: 12.6
6.92
34.53
POCF 11.81
AROW's POCF is ranked lower than
75% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.06 vs. AROW: 11.81 )
Ranked among companies with meaningful POCF only.
AROW' s POCF Range Over the Past 10 Years
Min: 7.44  Med: 11.15 Max: 31.12
Current: 11.81
7.44
31.12
EV-to-EBIT 10.44
AROW's EV-to-EBIT is ranked higher than
62% of the 2177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. AROW: 10.44 )
Ranked among companies with meaningful EV-to-EBIT only.
AROW' s EV-to-EBIT Range Over the Past 10 Years
Min: -19.9  Med: 11.30 Max: 16.9
Current: 10.44
-19.9
16.9
EV-to-EBITDA 8.87
AROW's EV-to-EBITDA is ranked higher than
66% of the 2182 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.15 vs. AROW: 8.87 )
Ranked among companies with meaningful EV-to-EBITDA only.
AROW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -23.2  Med: 9.40 Max: 15.1
Current: 8.87
-23.2
15.1
PEG 4.34
AROW's PEG is ranked lower than
90% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. AROW: 4.34 )
Ranked among companies with meaningful PEG only.
AROW' s PEG Range Over the Past 10 Years
Min: 0.93  Med: 2.65 Max: 5.6
Current: 4.34
0.93
5.6
Shiller P/E 15.06
AROW's Shiller P/E is ranked higher than
51% of the 675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.91 vs. AROW: 15.06 )
Ranked among companies with meaningful Shiller P/E only.
AROW' s Shiller P/E Range Over the Past 10 Years
Min: 10.69  Med: 14.16 Max: 18.87
Current: 15.06
10.69
18.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.71
AROW's Dividend Yield is ranked higher than
62% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. AROW: 3.71 )
Ranked among companies with meaningful Dividend Yield only.
AROW' s Dividend Yield Range Over the Past 10 Years
Min: 2.93  Med: 3.81 Max: 4.98
Current: 3.71
2.93
4.98
Dividend Payout 0.52
AROW's Dividend Payout is ranked lower than
75% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. AROW: 0.52 )
Ranked among companies with meaningful Dividend Payout only.
AROW' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.49 Max: 1.78
Current: 0.52
0.11
1.78
Dividend Growth (3y) 2.20
AROW's Dividend Growth (3y) is ranked lower than
59% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. AROW: 2.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
AROW' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 2.2  Med: 5.90 Max: 16.1
Current: 2.2
2.2
16.1
Forward Dividend Yield 3.83
AROW's Forward Dividend Yield is ranked higher than
62% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. AROW: 3.83 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.36
AROW's Yield on cost (5-Year) is ranked higher than
61% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. AROW: 4.36 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AROW' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.38  Med: 4.40 Max: 5.75
Current: 4.36
3.38
5.75
3-Year Average Share Buyback Ratio -0.40
AROW's 3-Year Average Share Buyback Ratio is ranked higher than
66% of the 1061 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: -0.6  Med: 0.75 Max: 6.5
Current: -0.4
-0.6
6.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.78
AROW's Price/Tangible Book is ranked lower than
83% of the 2171 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 38.57 vs. AROW: 1.78 )
Ranked among companies with meaningful Price/Tangible Book only.
AROW' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.52  Med: 2.18 Max: 3.09
Current: 1.78
1.52
3.09
Price/Projected FCF 0.83
AROW's Price/Projected FCF is ranked lower than
70% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. AROW: 0.83 )
Ranked among companies with meaningful Price/Projected FCF only.
AROW' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.86 Max: 2.42
Current: 0.83
0.44
2.42
Price/Median PS Value 0.97
AROW's Price/Median PS Value is ranked lower than
55% of the 2067 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. AROW: 0.97 )
Ranked among companies with meaningful Price/Median PS Value only.
AROW' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.54  Med: 1.01 Max: 4.36
Current: 0.97
0.54
4.36
Price/Graham Number 1.04
AROW's Price/Graham Number is ranked lower than
74% of the 2007 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. AROW: 1.04 )
Ranked among companies with meaningful Price/Graham Number only.
AROW' s Price/Graham Number Range Over the Past 10 Years
Min: 0.76  Med: 1.15 Max: 1.53
Current: 1.04
0.76
1.53
Earnings Yield (Greenblatt) (%) 9.57
AROW's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. AROW: 9.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AROW' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.9  Med: 8.70 Max: 17.6
Current: 9.57
5.9
17.6
Forward Rate of Return (Yacktman) (%) 10.64
AROW's Forward Rate of Return (Yacktman) (%) is ranked lower than
60% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. AROW: 10.64 )
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: 5.8  Med: 9.10 Max: 23.7
Current: 10.64
5.8
23.7

More Statistics

Revenue(Mil) $94
EPS $ 1.89
Beta0.60
Short Percentage of Float3.38%
52-Week Range $24.54 - 29.24
Shares Outstanding(Mil)12.91

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 AROW

Headlines

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6 Stocks with Room to Grow Their Dividend Feb 12 2014 
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Dividend Stocks Deliver Returns Whether Market is Open or Not Nov 05 2012 
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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 

More From Other Websites
ARROW FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Feb 02 2016
Arrow Financial Corp. breached its 50 day moving average in a Bullish Manner : February 1, 2016 Feb 01 2016
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Arrow Declares March Cash Dividend Jan 27 2016
Arrow Financial Corporation Declares Cash Dividend Jan 27 2016
Arrow Financial Corp. Earnings Analysis: Q4, 2015 By the Numbers Jan 25 2016
Arrow Reports Record High Net Income of $24.7 Million for 2015 Jan 21 2016
Arrow Financial posts 4Q profit Jan 21 2016
Arrow Financial posts 4Q profit Jan 21 2016
Arrow Reports Record High Net Income of $24.7 Million for 2015 Jan 21 2016
Arrow Financial Corp. breached its 50 day moving average in a Bearish Manner : December 14, 2015 Dec 14 2015
ARROW FINANCIAL CORP Financials Dec 08 2015
ARROW FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 06 2015
Arrow Financial Corp. Earnings Q3, 2015 Nov 06 2015
Buy This Regional Bank Stock Ready to Gain from Higher Rates Nov 04 2015
ARROW FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 03 2015
Arrow Announces Stock Repurchase Program Oct 29 2015
Arrow Announces Stock Repurchase Program Oct 29 2015
Arrow Declares December Cash Dividend Oct 29 2015
Arrow Financial Corporation Declares Cash Dividend Oct 28 2015

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