AROW (Arrow Financial) Margin of Safety % (DCF FCF Based): -39.08% (As of Jun. 25, 2026)


AROW Arrow Financial Corp AROW
69 GF Score
Price $40.39
GF Value $35.58
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Arrow Financial Margin of Safety % (DCF FCF Based)?

Arrow Financial AROW +0.87% 69 Margin of Safety % (DCF FCF Based) is -39.08% as of Jun. 25, 2026. 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.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Arrow Financial's Predictability Rank is 4.5-Stars. Arrow Financial's intrinsic value calculated from the Discounted FCF model is $35.66 and current share price is $40.39. Consequently,

Arrow Financial's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -39.08%.

AROW vs CARE, BCAL, RRBI: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Arrow Financial's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Arrow Financial's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Arrow Financial's Margin of Safety % (DCF FCF Based) falls into.


AROW
69GF Score
Arrow Financial Corp AROW
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Arrow Financial Margin of Safety % (DCF FCF Based) Calculation

Arrow Financial's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(29.04-40.39)/29.04
=-39.08 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -39.08% mean?
Arrow Financial (AROW) has a Margin of Safety % (DCF FCF Based) of -39.08% as of Jun. 25, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Arrow Financial.
Is Arrow Financial's Margin of Safety % (DCF FCF Based) too high?
Arrow Financial's current Margin of Safety % (DCF FCF Based) is -39.08%. 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 Margin of Safety % (DCF FCF Based) compare to CARE and BCAL?
Arrow Financial's Margin of Safety % (DCF FCF Based) of -39.08% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Arrow Financial. Arrow Financial's current Margin of Safety % (DCF FCF Based) is -39.08%. 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 Margin of Safety % (DCF FCF Based) is -39.08%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Arrow Financial (AROW), the current Margin of Safety % (DCF FCF Based) is -39.08% as of Jun. 25, 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:

  • Margin of Safety % (DCF FCF Based): -39.08%
  • GF Value™: $35.58 vs. price of $40.39 (13.5% above fair value)
  • GF Score™: 69/100 with 6 warning signs

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 Business Description

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 the company's revenue is interest income, fees, commission earned through its subsidiaries.
69GF Score

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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.39
Price
$35.58
GF Value