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Arrow FinancialAROW -0.09%68 EV-to-FCF is 19.15 as of Aug. 20, 2026, which is 71% above its 10-year median of 11.23. GuruFocus rates AROW with a GF Score™ of 68/100 and a GF Value™ of $36.21 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,181 Banks companies, Arrow Financial ranks worse than 82.64% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Arrow Financial's Enterprise Value is $854.9 Mil.
Arrow Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $44.6 Mil. Therefore, Arrow Financial's EV-to-FCF for today is 19.15.
The historical rank and industry rank for Arrow Financial's EV-to-FCF or its related term are showing as below:
AROW'
s EV-to-FCF Range Over the Past 10 Years
Min: 0.45 Med: 11.23 Max: 38.53
Current: 19.15
During the past 13 years, the highest EV-to-FCF of Arrow Financial was 38.53. The lowest was 0.45. And the median was 11.23.
AROW's EV-to-FCF is ranked worse than 82.64% of 1181
companies
in the Banks industry
Industry Median: 7.08
vs AROW: 19.15
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Arrow Financial's PE Ratio (TTM) for today is calculated as:
Arrow Financial's share price for today is $38.1471.
Arrow Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.100.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Arrow Financial EV-to-FCF Related Terms
Arrow Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Arrow Financial's EV-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.
For the Banks - Regional subindustry, Arrow Financial's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Arrow Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Arrow Financial's EV-to-FCF falls into.
Arrow Financial's current Enterprise Value is $854.9 Mil.
Arrow Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $44.6 Mil.
* 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 (AROW) has a EV-to-FCF of 19.15 as of Aug. 20, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Arrow Financial and its competitors. This is 71% above median its historical median of 11.23. Over the past decade, Arrow Financial's EV-to-FCF has ranged from 0.45 to 38.53. According to the industry distribution chart, Arrow Financial ranks #976 out of 1181 companies in the Banks industry, placing it in the top 82.6%.
Is Arrow Financial's EV-to-FCF too high?
Arrow Financial's current EV-to-FCF of 19.15 is 71% above median its 10-year median of 11.23. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 38.53. The Banks industry median EV-to-FCF is 7.08. Arrow Financial's value of 19.15 is 170.5% above this industry median. Based on the distribution chart, Arrow Financial ranks #976 out of 1181 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Arrow Financial has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Arrow Financial's EV-to-FCF compare to BHB and RRBI?
According to the Banks industry distribution chart, Arrow Financial ranks #976 out of 1181 companies for EV-to-FCF. This places Arrow Financial in the lower half of its industry. The industry median EV-to-FCF is 7.08. Arrow Financial's value of 19.15 is 170.5% above this benchmark. Historically, Arrow Financial's own EV-to-FCF has ranged from 0.45 to 38.53 over the past decade. While the company's 10-year median is 11.23 vs. the industry median of 7.08, Arrow Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.08, based on 1,181 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arrow Financial's current EV-to-FCF of 19.15 is 170.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Arrow Financial and its competitors. For the Banks industry, the median EV-to-FCF is 7.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arrow Financial's current EV-to-FCF is 19.15, which is 71% above median its own 10-year median of 11.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arrow Financial stock overvalued right now?
Based on GuruFocus' analysis, Arrow Financial (AROW) is currently considered Fairly Valued. The stock's GF Value™ is $36.21, compared to a current price of $38.15 — trading 5.3% above its estimated fair value. The current EV-to-FCF is 19.15, which is 71% above median its 10-year median of 11.23 and 170.5% above the Banks industry median of 7.08. Arrow Financial's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Arrow Financial (AROW), the current EV-to-FCF is 19.15 as of Aug. 20, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Arrow Financial (AROW) Overvalued in 2026?
Based on GuruFocus' analysis, Arrow Financial stock appears to be overvalued.
The current stock price of $38.15 is trading 5.3% above its estimated GF Value™ of $36.21.
GuruFocus considers Arrow Financial to be Fairly Valued.
Key valuation signals for AROW:
EV-to-FCF: 19.15 (71% above median its 10-year median of 11.23)
GF Value™: $36.21 vs. price of $38.15 (5.3% above fair value)
Industry Position: 170.5% above the Banks median (#976 of 1181)
No single metric tells the full story. See the AROW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 the company's revenue is interest income, fees, commission earned through its subsidiaries.
68GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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