Arrow FinancialAROW +0.87%69 FCF Margin % is 31.15% as of Mar. 2026, which is 1% above its 10-year median of 30.74. GuruFocus rates AROW with a GF Score™ of 69/100 and a GF Value™ of $35.58 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,504 Banks companies, Arrow Financial ranks worse than 53.13% on this metric.
The historical rank and industry rank for Arrow Financial's FCF Margin % or its related term are showing as below:
AROW'
s FCF Margin % Range Over the Past 10 Years
Min: 10.08 Med: 30.74 Max: 42.79
Current: 24.15
During the past 13 years, the highest FCF Margin % of Arrow Financial was 42.79%. The lowest was 10.08%. And the median was 30.74%.
AROW's FCF Margin % is ranked worse than 53.13% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs AROW: 24.15
Arrow Financial FCF Margin % Related Terms
Arrow Financial FCF Margin % Historical Data
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The historical data trend for Arrow Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Arrow Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Arrow Financial's FCF Margin % falls into.
* 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 FCF Margin % of 31.15% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Arrow Financial and its competitors. This is near median its historical median of 30.74. Over the past decade, Arrow Financial's FCF Margin % has ranged from 10.08 to 42.79. According to the industry distribution chart, Arrow Financial ranks #799 out of 1504 companies in the Banks industry, placing it in the top 53.1%.
Is Arrow Financial's FCF Margin % too high?
Arrow Financial's current FCF Margin % of 31.15% is near median its 10-year median of 30.74. Over the past 10 years, this metric has ranged from a low of 10.08 to a high of 42.79. The Banks industry median FCF Margin % is 26.50. Arrow Financial's value of 31.15% is 17.5% above this industry median. Based on the distribution chart, Arrow Financial ranks #799 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, Arrow Financial has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Arrow Financial's FCF Margin % compare to CARE and BCAL?
According to the Banks industry distribution chart, Arrow Financial ranks #799 out of 1504 companies for FCF Margin %. This places Arrow Financial in the lower half of its industry. The industry median FCF Margin % is 26.50. Arrow Financial's value of 31.15% is 17.5% above this benchmark. Historically, Arrow Financial's own FCF Margin % has ranged from 10.08 to 42.79 over the past decade. While the company's 10-year median is 30.74 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arrow Financial's current FCF Margin % of 31.15% is 17.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Arrow Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arrow Financial's current FCF Margin % is 31.15%, which is near median its own 10-year median of 30.74. 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 Modestly Overvalued. The stock's GF Value™ is $35.58, compared to a current price of $40.39 — trading 13.5% above its estimated fair value. The current FCF Margin % is 31.15%, which is near median its 10-year median of 30.74 and 17.5% above the Banks industry median of 26.50. Arrow Financial's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Arrow Financial (AROW), the current FCF Margin % is 31.15% as of Mar. 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 $40.39 is trading 13.5% above its estimated GF Value™ of $35.58.
GuruFocus considers Arrow Financial to be Modestly Overvalued.
Key valuation signals for AROW:
FCF Margin %: 31.15% (near median its 10-year median of 30.74)
GF Value™: $35.58 vs. price of $40.39 (13.5% above fair value)
Industry Position: 17.5% above the Banks median (#799 of 1504)
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.
69GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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