Arrow Financial (Arrow Financial) Net Margin % : 23.33% (As of Dec. 2023)

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What is Arrow Financial Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. Arrow Financial's Net Income for the three months ended in Dec. 2023 was $7.7 Mil. Arrow Financial's Revenue for the three months ended in Dec. 2023 was $33.1 Mil. Therefore, Arrow Financial's net margin for the quarter that ended in Dec. 2023 was 23.33%.

The historical rank and industry rank for Arrow Financial's Net Margin % or its related term are showing as below:

AROW' s Net Margin % Range Over the Past 10 Years
Min: 22.45 Med: 29.41 Max: 34.93
Current: 22.45

AROW's Net Margin % is ranked worse than
59.85% of 1457 companies
in the Banks industry
Industry Median: 25.33 vs AROW: 22.45

Arrow Financial Net Margin % Historical Data

The historical data trend for Arrow Financial's Net 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.

* Premium members only.

Arrow Financial Net Margin % Chart

Arrow Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Net Margin %

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32.14

30.96

34.93

32.70

22.45

Arrow Financial Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Net Margin %	Get a 7-Day Free Trial															32.02	24.62	18.50	23.18	23.33

Competitive Comparison of Arrow Financial's Net Margin %

For the Banks - Regional subindustry, Arrow Financial's Net Margin %, along with its competitors' market caps and Net 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's Net Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Arrow Financial's Net Margin % distribution charts can be found below:

* The bar in red indicates where Arrow Financial's Net Margin % falls into.

Arrow Financial Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Arrow Financial's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	30.075	/	133.949
	=	22.45 %

Arrow Financial's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	7.723	/	33.097
	=	23.33 %

Arrow Financial (NAS:AROW) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Arrow Financial Net Margin % Related Terms

Thank you for viewing the detailed overview of Arrow Financial's Net Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.

Arrow Financial (Arrow Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Arrow Financial Corp (NAS:AROW) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

BQE:Germany

Address

250 Glen Street, Glens Falls, NY, USA, 12801

Website

https://www.arrowfinancial.com

Arrow Financial Corp is a holding company. The company 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 primarily 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.

Executives

Andrew J Wise	officer: SVP, Chief Operating Officer	250 GLEN STREET, GLENS FALLS NY 12801
David D Kaiser	officer: SVP	AMETHYST DRIVE, QUEENSBURY NY 12804
Read Colin L	director	81 BLAIR ROAD, PLATTSBURGH NY 12901
William L Owens	director	42 BLUE HERRON WAY, PLATTSBURGH NY 12901
Elizabeth Miller	director	250 GLEN STREET, GLENS FALLS NY 12801
Gary C Dake	director	514 LOCUST GROVE ROAD, GREENFIELD CENTER NY 12833
Mark Behan	director	250 GLEN STREET, GLENS FALLS NY 12801
Penko Krassimir Ivanov	officer: EVP, Treasurer and CFO	C/O ARROW FINANCIAL CORPORATION, 250 GLEN STREET, GLENS FALLS NY 12801
David S. Demarco	officer: Senior Vice President	7 INGERSOL ROAD, SARATOGA SPRINGS NY 12866
Raymond F O'conor	officer: Senior Vice President	7 ROLLING GREEN DRIVE, WILTON NY 12831
Gregory J Champion	director	250 GLEN STREET, GLENS FALLS NY 12801
Thomas L Hoy	director	ARROW FINANCIAL CORPORATION, 250 GLEN STREET, GLENS FALLS NY 12801
Reisman Richard J Dmd	director	9 ST. ANDREWS DRIVE, QUEENSBURY NY 12804
Edward J Campanella	officer: SVP, Treasurer & CFO	42 MAXWELL ROAD, LATHAM NY 12110
Michael B Clarke	director	58 CHRISTIANA COURT, LAKE GEORGE NY 12845