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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 0.36
AROW's Cash to Debt is ranked lower than
78% of the 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. AROW: 0.36 )
Ranked among companies with meaningful Cash to Debt only.
AROW' s Cash to Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.47 Max: 12.34
Current: 0.36
0.16
12.34
Equity to Asset 0.09
AROW's Equity to Asset is ranked lower than
62% of the 1593 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 7.28
AROW's Interest Coverage is ranked higher than
86% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. AROW: 7.28 )
Ranked among companies with meaningful Interest Coverage only.
AROW' s Interest Coverage Range Over the Past 10 Years
Min: 0.6  Med: 1.69 Max: 7.33
Current: 7.28
0.6
7.33
F-Score: 4
M-Score: -2.42
WACC vs ROIC
5.03%
9.18%
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 (%) 37.76
AROW's Operating margin (%) is ranked higher than
66% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. AROW: 37.76 )
Ranked among companies with meaningful Operating margin (%) only.
AROW' s Operating margin (%) Range Over the Past 10 Years
Min: -126.61  Med: 37.67 Max: 40.05
Current: 37.76
-126.61
40.05
Net-margin (%) 26.47
AROW's Net-margin (%) is ranked higher than
63% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. AROW: 26.47 )
Ranked among companies with meaningful Net-margin (%) only.
AROW' s Net-margin (%) Range Over the Past 10 Years
Min: 25.86  Med: 26.74 Max: 101.72
Current: 26.47
25.86
101.72
ROE (%) 11.92
AROW's ROE (%) is ranked higher than
72% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. AROW: 11.92 )
Ranked among companies with meaningful ROE (%) only.
AROW' s ROE (%) Range Over the Past 10 Years
Min: 11.85  Med: 14.06 Max: 16.48
Current: 11.92
11.85
16.48
ROA (%) 1.05
AROW's ROA (%) is ranked higher than
62% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 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
Revenue Growth (3Y)(%) 3.10
AROW's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. AROW: 3.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AROW' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.8  Med: 4.2 Max: 71.1
Current: 3.1
-34.8
71.1
EBITDA Growth (3Y)(%) 0.20
AROW's EBITDA Growth (3Y)(%) is ranked lower than
68% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. AROW: 0.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AROW' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.8  Med: 5.3 Max: 16.1
Current: 0.2
-7.8
16.1
EPS Growth (3Y)(%) 3.30
AROW's EPS Growth (3Y)(%) is ranked lower than
63% of the 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. AROW: 3.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AROW' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -8  Med: 3.3 Max: 15.5
Current: 3.3
-8
15.5
» AROW's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-20)


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

» Details

Guru Trades

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
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
» Details

Insider Trades

Latest Guru Trades with AROW

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:TSC, OTCPK:HBIA, NAS:SNBC, NAS:CUNB, NYSE:SCNB, NAS:HBNC, NAS:PEBO, NAS:FCBC, NAS:MBWM, NAS:PSTB, NAS:FBNC, NAS:FFWM, NAS:BHBK, NAS:QCRH, NAS:GBNK, NAS:LION, NAS:CACB, NAS:HTBK, NAS:ACBI, NAS:FISI » 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
P/E(ttm) 16.25
AROW's P/E(ttm) is ranked lower than
66% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. AROW: 16.25 )
Ranked among companies with meaningful P/E(ttm) only.
AROW' s P/E(ttm) Range Over the Past 10 Years
Min: 9.88  Med: 13.85 Max: 16.69
Current: 16.25
9.88
16.69
PE(NRI) 16.25
AROW's PE(NRI) is ranked lower than
66% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. AROW: 16.25 )
Ranked among companies with meaningful PE(NRI) only.
AROW' s PE(NRI) Range Over the Past 10 Years
Min: 9.89  Med: 13.85 Max: 16.75
Current: 16.25
9.89
16.75
Price/Owner Earnings (ttm) 15.72
AROW's Price/Owner Earnings (ttm) is ranked lower than
65% of the 838 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.83 vs. AROW: 15.72 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
AROW' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.19  Med: 11.59 Max: 20.05
Current: 15.72
8.19
20.05
P/B 1.85
AROW's P/B is ranked lower than
86% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. AROW: 1.85 )
Ranked among companies with meaningful P/B only.
AROW' s P/B Range Over the Past 10 Years
Min: 1.5  Med: 1.79 Max: 2.67
Current: 1.85
1.5
2.67
P/S 4.30
AROW's P/S is ranked lower than
75% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. AROW: 4.30 )
Ranked among companies with meaningful P/S only.
AROW' s P/S Range Over the Past 10 Years
Min: 2.82  Med: 3.71 Max: 16.23
Current: 4.3
2.82
16.23
PFCF 14.28
AROW's PFCF is ranked lower than
66% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. AROW: 14.28 )
Ranked among companies with meaningful PFCF only.
AROW' s PFCF Range Over the Past 10 Years
Min: 8.73  Med: 12.54 Max: 137.29
Current: 14.28
8.73
137.29
POCF 13.80
AROW's POCF is ranked lower than
73% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. AROW: 13.80 )
Ranked among companies with meaningful POCF only.
AROW' s POCF Range Over the Past 10 Years
Min: 7.43  Med: 11.14 Max: 31.09
Current: 13.8
7.43
31.09
EV-to-EBIT 14.55
AROW's EV-to-EBIT is ranked lower than
58% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. AROW: 14.55 )
Ranked among companies with meaningful EV-to-EBIT only.
AROW' s EV-to-EBIT Range Over the Past 10 Years
Min: -19.9  Med: 11.3 Max: 16.9
Current: 14.55
-19.9
16.9
EV-to-EBITDA 12.46
AROW's EV-to-EBITDA is ranked lower than
55% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. AROW: 12.46 )
Ranked among companies with meaningful EV-to-EBITDA only.
AROW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -23.2  Med: 9.4 Max: 15.1
Current: 12.46
-23.2
15.1
PEG 7.09
AROW's PEG is ranked lower than
92% of the 736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. AROW: 7.09 )
Ranked among companies with meaningful PEG only.
AROW' s PEG Range Over the Past 10 Years
Min: 0.96  Med: 3.35 Max: 8.73
Current: 7.09
0.96
8.73
Shiller P/E 17.67
AROW's Shiller P/E is ranked lower than
51% of the 486 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. AROW: 17.67 )
Ranked among companies with meaningful Shiller P/E only.
AROW' s Shiller P/E Range Over the Past 10 Years
Min: 10.69  Med: 14.18 Max: 17.78
Current: 17.67
10.69
17.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.10
AROW's Dividend Yield is ranked higher than
53% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. AROW: 3.10 )
Ranked among companies with meaningful Dividend Yield only.
AROW' s Dividend Yield Range Over the Past 10 Years
Min: 2.96  Med: 3.81 Max: 4.98
Current: 3.1
2.96
4.98
Dividend Payout 0.50
AROW's Dividend Payout is ranked lower than
74% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. AROW: 0.50 )
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: 3.65
Current: 0.5
0.11
3.65
Dividend Growth (3y) 2.00
AROW's Dividend Growth (3y) is ranked lower than
72% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. AROW: 2.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
AROW' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 2  Med: 4.8 Max: 16.1
Current: 2
2
16.1
Forward Dividend Yield 3.09
AROW's Forward Dividend Yield is ranked lower than
51% of the 2090 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. AROW: 3.09 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.47
AROW's Yield on cost (5-Year) is ranked higher than
50% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.48 vs. AROW: 3.47 )
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: 3.32  Med: 4.27 Max: 5.58
Current: 3.47
3.32
5.58
3-Year Average Share Buyback Ratio -0.30
AROW's 3-Year Average Share Buyback Ratio is ranked higher than
69% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. AROW: -0.30 )
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: 0.6 Max: 3.2
Current: -0.3
-1.1
3.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.08
AROW's Price/Tangible Book is ranked lower than
85% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. AROW: 2.08 )
Ranked among companies with meaningful Price/Tangible Book only.
AROW' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.52  Med: 2.17 Max: 3.08
Current: 2.08
1.52
3.08
Price/Projected FCF 0.96
AROW's Price/Projected FCF is ranked lower than
76% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. AROW: 0.96 )
Ranked among companies with meaningful Price/Projected FCF only.
AROW' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.97 Max: 2.74
Current: 0.96
0.44
2.74
Price/Median PS Value 1.16
AROW's Price/Median PS Value is ranked lower than
68% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. AROW: 1.16 )
Ranked among companies with meaningful Price/Median PS Value only.
AROW' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.58  Med: 1.02 Max: 4.33
Current: 1.16
0.58
4.33
Price/Graham Number 1.23
AROW's Price/Graham Number is ranked lower than
80% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. AROW: 1.23 )
Ranked among companies with meaningful Price/Graham Number only.
AROW' s Price/Graham Number Range Over the Past 10 Years
Min: 0.67  Med: 1.15 Max: 1.53
Current: 1.23
0.67
1.53
Earnings Yield (Greenblatt) (%) 6.84
AROW's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. AROW: 6.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AROW' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.9  Med: 8.7 Max: 17.6
Current: 6.84
5.9
17.6
Forward Rate of Return (Yacktman) (%) 8.47
AROW's Forward Rate of Return (Yacktman) (%) is ranked lower than
59% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.00 vs. AROW: 8.47 )
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: 8.9 Max: 23.1
Current: 8.47
5.8
23.1

More Statistics

Revenue (TTM) (Mil) $97.07
EPS (TTM) $ 1.98
Beta0.57
Short Percentage of Float3.03%
52-Week Range $24.54 - 32.59
Shares Outstanding (Mil)13.03
» 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 

More From Other Websites
ARROW FINANCIAL CORP Financials Aug 18 2016
ARROW FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 09 2016
ARROW FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 28 2016
Arrow Declares September Cash Dividend Jul 27 2016
Arrow Financial Corporation Declares Cash Dividend Jul 27 2016
Arrow Financial Corp. :AROW-US: Earnings Analysis: Q2, 2016 By the Numbers : July 22, 2016 Jul 22 2016
ETF’s with exposure to Arrow Financial Corp. : July 21, 2016 Jul 21 2016
ARROW FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 20 2016
Arrow Financial posts 2Q profit Jul 20 2016
Arrow Financial posts 2Q profit Jul 20 2016
Arrow Reports 5.4% Increase in Net Income and Double-Digit Loan Growth Jul 20 2016
ETF’s with exposure to Arrow Financial Corp. : July 1, 2016 Jul 01 2016
Arrow Financial Corp. :AROW-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28, 2016 Jun 28 2016
Arrow Financial Corp. breached its 50 day moving average in a Bearish Manner : AROW-US : June 28,... Jun 28 2016
Arrow Financial Corporation on “Midtier Performers” List Jun 16 2016
ARROW FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Jun 01 2016
ARROW FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 10 2016
ARROW FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 06 2016
Arrow Declares June Cash Dividend Apr 27 2016
Arrow Financial Corporation Declares Cash Dividend Apr 27 2016

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