Arrow FinancialAROW +2.09%69 FCF Yield % is 6.09 as of Jun. 26, 2026, which is 16% below its 10-year median of 7.29. GuruFocus rates AROW with a GF Score™ of 69/100 and a GF Value™ of $35.64 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Arrow Financial ranks worse than 58.67% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Arrow Financial FCF Yield % Related Terms
Arrow Financial FCF Yield % Historical Data
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The historical data trend for Arrow Financial's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Arrow Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Arrow Financial's FCF Yield % 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 Yield % of 6.09 as of Jun. 26, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Arrow Financial and its competitors. This is 16% below median its historical median of 7.29. Over the past decade, Arrow Financial's FCF Yield % has ranged from 1.39 to 14.45. According to the industry distribution chart, Arrow Financial ranks #883 out of 1505 companies in the Banks industry, placing it in the top 58.7%.
Is Arrow Financial's FCF Yield % too high?
Arrow Financial's current FCF Yield % of 6.09 is 16% below median its 10-year median of 7.29. Over the past 10 years, this metric has ranged from a low of 1.39 to a high of 14.45. The Banks industry median FCF Yield % is 8.20. Arrow Financial's value of 6.09 is 25.7% below this industry median. Based on the distribution chart, Arrow Financial ranks #883 out of 1505 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 Yield % compare to CARE and BCAL?
According to the Banks industry distribution chart, Arrow Financial ranks #883 out of 1505 companies for FCF Yield %. This places Arrow Financial in the lower half of its industry. The industry median FCF Yield % is 8.20. Arrow Financial's value of 6.09 is 25.7% below this benchmark. Historically, Arrow Financial's own FCF Yield % has ranged from 1.39 to 14.45 over the past decade. While the company's 10-year median is 7.29 vs. the industry median of 8.20, Arrow Financial has consistently been below 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arrow Financial's current FCF Yield % of 6.09 is 25.7% below 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Arrow Financial and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arrow Financial's current FCF Yield % is 6.09, which is 16% below median its own 10-year median of 7.29. 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 $35.64, compared to a current price of $41.05 — trading 15.2% above its estimated fair value. The current FCF Yield % is 6.09, which is 16% below median its 10-year median of 7.29 and 25.7% below the Banks industry median of 8.20. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Arrow Financial (AROW), the current FCF Yield % is 6.09 as of Jun. 26, 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 $41.05 is trading 15.2% above its estimated GF Value™ of $35.64.
GuruFocus considers Arrow Financial to be Modestly Overvalued.
Key valuation signals for AROW:
FCF Yield %: 6.09 (16% below median its 10-year median of 7.29)
GF Value™: $35.64 vs. price of $41.05 (15.2% above fair value)
Industry Position: 25.7% below the Banks median (#883 of 1505)
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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