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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 0.34
AROW's Cash-to-Debt is ranked lower than
72% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. AROW: 0.34 )
Ranked among companies with meaningful Cash-to-Debt only.
AROW' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16  Med: 1.2 Max: N/A
Current: 0.34
Equity-to-Asset 0.09
AROW's Equity-to-Asset is ranked lower than
62% of the 1580 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: 0.04  Med: 0.08 Max: 0.12
Current: 0.09
0.04
0.12
Interest Coverage 6.33
AROW's Interest Coverage is ranked higher than
85% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. AROW: 6.33 )
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: 6.33
0.6
7.33
Beneish M-Score: -2.42
WACC vs ROIC
4.64%
8.68%
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 : 5/10

vs
industry
vs
history
Operating Margin % 37.69
AROW's Operating Margin % is ranked higher than
63% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. AROW: 37.69 )
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: 37.69
36.63
40.05
Net Margin % 26.79
AROW's Net Margin % is ranked higher than
61% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. AROW: 26.79 )
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: 26.79
25.86
27.81
ROE % 11.67
AROW's ROE % is ranked higher than
70% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. AROW: 11.67 )
Ranked among companies with meaningful ROE % only.
AROW' s ROE % Range Over the Past 10 Years
Min: 11.67  Med: 13.37 Max: 16.48
Current: 11.67
11.67
16.48
ROA % 1.04
AROW's ROA % is ranked higher than
60% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. AROW: 1.04 )
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: 1.04
1.04
1.26
3-Year Revenue Growth Rate 4.90
AROW's 3-Year Revenue Growth Rate is ranked higher than
54% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 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: 4.2 Max: 71.1
Current: 4.9
-34.8
71.1
3-Year EBITDA Growth Rate 2.50
AROW's 3-Year EBITDA Growth Rate is ranked lower than
61% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. AROW: 2.50 )
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: -7.8  Med: 5.45 Max: 36.2
Current: 2.5
-7.8
36.2
3-Year EPS without NRI Growth Rate 6.10
AROW's 3-Year EPS without NRI Growth Rate is ranked lower than
52% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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: -8.1  Med: 4.6 Max: 55.5
Current: 6.1
-8.1
55.5
GuruFocus has detected 2 Warning Signs with Arrow Financial Corp $AROW.
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» AROW's 30-Y Financials

Financials (Next Earnings Date: 2017-10-20 Est.)


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

» Details

Guru Trades

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
Q1 2017

AROW Guru Trades in Q1 2017

Jim Simons 302,566 sh (+13.12%)
» 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:FMBH, NAS:EQBK, NAS:FISI, NAS:MOFG, NAS:WFBI, NAS:IBCP, AMEX:BHB, NAS:SONA, NAS:FBNK, NAS:HTBI, NAS:TBBK, NAS:VBTX, NAS:SNBC, NAS:FCBC, NAS:ACBI, NAS:FMNB, NAS:OKSB, NAS:CCNE, NAS:PUB, OTCPK:HBIA » details
Headquarter Location:USA
Arrow Financial Corp is a holding company. It provides various advisory and administrative services and coordinates the general policies and operation of the banks as well as online and mobile banking, mortgages, commercial loans, investments and other.

Arrow Financial Corp is a holding company of two nationally chartered banks, Glens Falls National and Saratoga National in United States. The company provides various advisory and administrative services and coordinates the general policies and operation of the banks. It provides financial products, including online and mobile banking, mortgages, commercial loans, investments and other. The company also provides lending services including commercial and industrial lending primarily to small and mid-sized companies; mortgage lending for residential and commercial properties; and consumer installment and home equity financing. The significant source of company's revenue is interest income, fees, commission earned through its subsidiaries.

Top Ranked Articles about Arrow Financial Corp

Arrow Declares Cash Dividend

Ratios

vs
industry
vs
history
PE Ratio 16.24
AROW's PE Ratio is ranked lower than
56% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. AROW: 16.24 )
Ranked among companies with meaningful PE Ratio only.
AROW' s PE Ratio Range Over the Past 10 Years
Min: 9.87  Med: 13.82 Max: 20.94
Current: 16.24
9.87
20.94
PE Ratio without NRI 16.24
AROW's PE Ratio without NRI is ranked lower than
56% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. AROW: 16.24 )
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: 13.81 Max: 20.88
Current: 16.24
9.83
20.88
Price-to-Owner-Earnings 15.29
AROW's Price-to-Owner-Earnings is ranked lower than
53% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. AROW: 15.29 )
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: 11.63 Max: 20.05
Current: 15.29
8.19
20.05
PB Ratio 1.83
AROW's PB Ratio is ranked lower than
81% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. AROW: 1.83 )
Ranked among companies with meaningful PB Ratio only.
AROW' s PB Ratio Range Over the Past 10 Years
Min: 1.5  Med: 1.79 Max: 2.43
Current: 1.83
1.5
2.43
PS Ratio 4.40
AROW's PS Ratio is ranked lower than
65% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. AROW: 4.40 )
Ranked among companies with meaningful PS Ratio only.
AROW' s PS Ratio Range Over the Past 10 Years
Min: 2.81  Med: 3.71 Max: 16.36
Current: 4.4
2.81
16.36
Price-to-Free-Cash-Flow 13.48
AROW's Price-to-Free-Cash-Flow is ranked lower than
55% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. AROW: 13.48 )
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: 6.95  Med: 12.25 Max: 34.77
Current: 13.48
6.95
34.77
Price-to-Operating-Cash-Flow 12.94
AROW's Price-to-Operating-Cash-Flow is ranked lower than
60% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. AROW: 12.94 )
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: 7.44  Med: 11.12 Max: 31.11
Current: 12.94
7.44
31.11
EV-to-EBIT 12.64
AROW's EV-to-EBIT is ranked lower than
51% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. AROW: 12.64 )
Ranked among companies with meaningful EV-to-EBIT only.
AROW' s EV-to-EBIT Range Over the Past 10 Years
Min: -19.8  Med: 11.15 Max: 18.6
Current: 12.64
-19.8
18.6
EV-to-EBITDA 11.35
AROW's EV-to-EBITDA is ranked higher than
51% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. AROW: 11.35 )
Ranked among companies with meaningful EV-to-EBITDA only.
AROW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -23.1  Med: 9.35 Max: 16.1
Current: 11.35
-23.1
16.1
PEG Ratio 10.31
AROW's PEG Ratio is ranked lower than
94% of the 821 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. AROW: 10.31 )
Ranked among companies with meaningful PEG Ratio only.
AROW' s PEG Ratio Range Over the Past 10 Years
Min: 1.03  Med: 3.95 Max: 12.73
Current: 10.31
1.03
12.73
Shiller PE Ratio 17.77
AROW's Shiller PE Ratio is ranked higher than
64% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.54 vs. AROW: 17.77 )
Ranked among companies with meaningful Shiller PE Ratio only.
AROW' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.66  Med: 14.34 Max: 22.85
Current: 17.77
10.66
22.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.03
AROW's Dividend Yield % is ranked higher than
59% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. AROW: 3.03 )
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: 3.03
2.37
4.98
Dividend Payout Ratio 0.50
AROW's Dividend Payout Ratio is ranked lower than
75% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. AROW: 0.50 )
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: 0.5
0.48
0.57
3-Year Dividend Growth Rate 2.10
AROW's 3-Year Dividend Growth Rate is ranked lower than
70% of the 794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 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: 0  Med: 7.1 Max: 90.8
Current: 2.1
0
90.8
Forward Dividend Yield % 3.12
AROW's Forward Dividend Yield % is ranked higher than
56% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. AROW: 3.12 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.38
AROW's 5-Year Yield-on-Cost % is ranked higher than
53% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. AROW: 3.38 )
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: 3.38
2.64
5.55
3-Year Average Share Buyback Ratio -0.40
AROW's 3-Year Average Share Buyback Ratio is ranked higher than
67% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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: -3.1  Med: 0.6 Max: 4.5
Current: -0.4
-3.1
4.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.04
AROW's Price-to-Tangible-Book is ranked lower than
78% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. AROW: 2.04 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AROW' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.7  Med: 2.11 Max: 3.06
Current: 2.04
0.7
3.06
Price-to-Intrinsic-Value-Projected-FCF 0.96
AROW's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
62% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. AROW: 0.96 )
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: 0.27  Med: 0.87 Max: 1.89
Current: 0.96
0.27
1.89
Price-to-Median-PS-Value 1.18
AROW's Price-to-Median-PS-Value is ranked lower than
52% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. AROW: 1.18 )
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: 0.16  Med: 1 Max: 4.37
Current: 1.18
0.16
4.37
Price-to-Graham-Number 1.23
AROW's Price-to-Graham-Number is ranked lower than
69% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. AROW: 1.23 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AROW' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.58  Med: 1.13 Max: 1.54
Current: 1.23
0.58
1.54
Earnings Yield (Greenblatt) % 7.91
AROW's Earnings Yield (Greenblatt) % is ranked higher than
61% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. AROW: 7.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AROW' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -6.4  Med: 8.5 Max: 17.6
Current: 7.91
-6.4
17.6
Forward Rate of Return (Yacktman) % 8.50
AROW's Forward Rate of Return (Yacktman) % is ranked lower than
58% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. AROW: 8.50 )
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
Current: 8.5
5.9
23

More Statistics

Revenue (TTM) (Mil) $101.45
EPS (TTM) $ 2.01
Beta0.57
Short Percentage of Float1.39%
52-Week Range $30.12 - 41.70
Shares Outstanding (Mil)13.51
» More Articles for AROW

Headlines

Articles On GuruFocus.com
Arrow Declares Cash Dividend Apr 26 2017 
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 

More From Other Websites
Arrow Financial Corp. breached its 50 day moving average in a Bullish Manner : AROW-US : July 24,... Jul 24 2017
Arrow Financial posts 2Q profit Jul 20 2017
Arrow Net Income Up 8.4%; Loans Increase 12.3% Jul 20 2017
ETFs with exposure to Arrow Financial Corp. : June 27, 2017 Jun 27 2017
Arrow Financial Corp. breached its 50 day moving average in a Bullish Manner : AROW-US : June 12,... Jun 12 2017
Arrow Financial Corp. :AROW-US: Earnings Analysis: Q1, 2017 By the Numbers : June 5, 2017 Jun 05 2017
Arrow Financial Corp. : AROW-US: Dividend Analysis : June 02nd, 2017 (record date) : By the numbers... Jun 01 2017
Arrow Financial Corp. breached its 50 day moving average in a Bearish Manner : AROW-US : May 8, 2017 May 08 2017
Arrow Declares Cash Dividend Apr 26 2017
Arrow Reports Increased Net Income; Strong Loan Growth Continues Apr 20 2017
ETFs with exposure to Arrow Financial Corp. : April 7, 2017 Apr 07 2017
Arrow Financial Corp. breached its 50 day moving average in a Bullish Manner : AROW-US : March 31,... Mar 31 2017
Arrow Financial Corp. :AROW-US: Earnings Analysis: Q4, 2016 By the Numbers : March 16, 2017 Mar 16 2017
Bank CEO signs new contract with big raise; CFO to retire Feb 09 2017
Arrow CFO to Retire Feb 07 2017
Arrow Financial Corp. : AROW-US: Dividend Analysis : December 02nd, 2016 (record date) : By the... Jan 26 2017
KeyBank executive takes job at Saratoga National Bank Jan 23 2017

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