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Arrow Financial (FRA:BQE) Cyclically Adjusted Price-to-FCF : 9.28 (As of Jun. 04, 2025)


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What is Arrow Financial Cyclically Adjusted Price-to-FCF?

As of today (2025-06-04), Arrow Financial's current share price is €22.00. Arrow Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 was €2.37. Arrow Financial's Cyclically Adjusted Price-to-FCF for today is 9.28.

The historical rank and industry rank for Arrow Financial's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

FRA:BQE' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 6.31   Med: 13.93   Max: 20.88
Current: 10.09

During the past years, Arrow Financial's highest Cyclically Adjusted Price-to-FCF was 20.88. The lowest was 6.31. And the median was 13.93.

FRA:BQE's Cyclically Adjusted Price-to-FCF is ranked worse than
60.36% of 888 companies
in the Banks industry
Industry Median: 8.64 vs FRA:BQE: 10.09

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Arrow Financial's adjusted free cash flow per share data for the three months ended in Mar. 2025 was €0.488. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is €2.37 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Arrow Financial Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Arrow Financial's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Arrow Financial Cyclically Adjusted Price-to-FCF Chart

Arrow Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.99 13.91 12.58 11.16 11.43

Arrow Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.83 10.19 11.22 11.43 10.39

Competitive Comparison of Arrow Financial's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Arrow Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Arrow Financial's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Arrow Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Arrow Financial's Cyclically Adjusted Price-to-FCF falls into.


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Arrow Financial Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Arrow Financial's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=22.00/2.37
=9.28

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Arrow Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Arrow Financial's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=0.488/134.9266*134.9266
=0.488

Current CPI (Mar. 2025) = 134.9266.

Arrow Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201506 0.242 100.684 0.324
201509 0.338 100.392 0.454
201512 0.476 99.792 0.644
201603 0.554 100.470 0.744
201606 0.233 101.688 0.309
201609 0.516 101.861 0.684
201612 0.520 101.863 0.689
201703 0.542 102.862 0.711
201706 0.430 103.349 0.561
201709 0.367 104.136 0.476
201712 0.514 104.011 0.667
201803 0.565 105.290 0.724
201806 0.408 106.317 0.518
201809 0.589 106.507 0.746
201812 0.295 105.998 0.376
201903 0.454 107.251 0.571
201906 0.424 108.070 0.529
201909 0.502 108.329 0.625
201912 0.539 108.420 0.671
202003 0.645 108.902 0.799
202006 0.093 108.767 0.115
202009 0.507 109.815 0.623
202012 0.574 109.897 0.705
202103 0.929 111.754 1.122
202106 0.918 114.631 1.081
202109 0.701 115.734 0.817
202112 0.482 117.630 0.553
202203 0.726 121.301 0.808
202206 0.609 125.017 0.657
202209 0.752 125.227 0.810
202212 0.451 125.222 0.486
202303 0.579 127.348 0.613
202306 0.544 128.729 0.570
202309 0.538 129.860 0.559
202312 -0.913 129.419 -0.952
202403 0.501 131.776 0.513
202406 0.418 132.554 0.425
202409 0.433 133.029 0.439
202412 0.235 133.157 0.238
202503 0.488 134.927 0.488

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Arrow Financial  (FRA:BQE) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Arrow Financial Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Arrow Financial's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Arrow Financial Business Description

Industry
Traded in Other Exchanges
Address
250 Glen Street, Glens Falls, NY, USA, 12801
Arrow Financial Corp is a holding company. It provides various advisory and administrative services and coordinates the general policies and operations of the banks. It provides financial products, including online and mobile banking, mortgages, commercial loans, investments, and others. The company also provides lending services 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. The key source of company's revenue is interest income, fees, commission earned through its subsidiaries.

Arrow Financial Headlines

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