Arrow Financial Stock Z Score

AROW Stock

USD 33.45 0.75 2.29%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Arrow Financial Piotroski F Score and Arrow Financial Valuation analysis.

For more information on how to buy Arrow Stock please use our How to Invest in Arrow Financial guide.

At this time, Arrow Financial's Capital Stock is fairly stable compared to the past year. Capital Expenditures is likely to climb to about 17.2 M in 2024, whereas Net Invested Capital is likely to drop slightly above 362.3 M in 2024. At this time, Arrow Financial's Interest Expense is fairly stable compared to the past year. Total Operating Expenses is likely to climb to about 126.6 M in 2024, whereas Operating Income is likely to drop slightly above 2.3 M in 2024.

Arrow Financial Company Z Score Analysis

Arrow Financial's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Arrow Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Arrow Financial is extremely important. It helps to project a fair market value of Arrow Stock properly, considering its historical fundamentals such as Z Score. Since Arrow Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Arrow Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Arrow Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Accounts Payable	Long Term Debt	Treasury Stock	Intangible Assets	Property Plant Equipment	Short Term Investments	Good Will	Net Receivables	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		1.0	-0.43	0.92	0.37	-0.26	-0.05	0.86	0.9	0.01	-0.67	-0.88	0.9	0.62	0.57	0.72	0.89	-0.53	0.88	-0.29	-0.04	-0.9	-0.15	0.83
Total Stockholder Equity	1.0		-0.41	0.91	0.37	-0.23	-0.01	0.88	0.89	-0.04	-0.71	-0.9	0.88	0.63	0.61	0.74	0.88	-0.51	0.88	-0.25	-0.01	-0.88	-0.13	0.8
Net Debt	-0.43	-0.41		-0.44	0.54	0.5	0.71	-0.23	-0.42	-0.52	0.02	0.09	-0.4	-0.26	0.04	-0.09	-0.5	0.19	-0.44	0.77	0.66	0.36	0.49	-0.51
Retained Earnings	0.92	0.91	-0.44		0.45	-0.43	-0.28	0.73	0.83	0.12	-0.52	-0.73	0.97	0.71	0.49	0.59	0.8	-0.64	0.79	-0.49	-0.23	-0.81	-0.31	0.93
Total Liab	0.37	0.37	0.54	0.45		-0.09	0.32	0.31	0.34	-0.36	-0.27	-0.46	0.54	0.3	0.35	0.38	0.2	-0.56	0.26	0.25	0.29	-0.43	0.05	0.43
Total Current Assets	-0.26	-0.23	0.5	-0.43	-0.09		0.64	0.07	-0.33	-0.44	-0.38	-0.14	-0.51	-0.06	0.34	0.1	-0.34	0.5	-0.32	0.54	0.59	0.44	0.48	-0.65
Short Term Debt	-0.05	-0.01	0.71	-0.28	0.32	0.64		0.13	-0.05	-0.47	-0.28	-0.27	-0.27	-0.24	0.2	0.27	-0.09	0.19	-0.04	0.87	0.91	-0.02	0.79	-0.4
Common Stock	0.86	0.88	-0.23	0.73	0.31	0.07	0.13		0.69	-0.2	-0.85	-0.93	0.65	0.77	0.84	0.69	0.83	-0.13	0.83	-0.13	0.12	-0.63	0.1	0.51
Accounts Payable	0.9	0.89	-0.42	0.83	0.34	-0.33	-0.05	0.69		0.15	-0.43	-0.71	0.83	0.36	0.32	0.85	0.87	-0.54	0.86	-0.25	0.01	-0.87	-0.17	0.81
Long Term Debt	0.01	-0.04	-0.52	0.12	-0.36	-0.44	-0.47	-0.2	0.15		0.48	0.38	0.08	-0.12	-0.59	-0.2	0.24	0.07	0.19	-0.45	-0.36	-0.09	-0.09	0.27
Treasury Stock	-0.67	-0.71	0.02	-0.52	-0.27	-0.38	-0.28	-0.85	-0.43	0.48		0.91	-0.42	-0.67	-0.9	-0.63	-0.46	0.05	-0.46	-0.11	-0.23	0.36	-0.08	-0.23
Intangible Assets	-0.88	-0.9	0.09	-0.73	-0.46	-0.14	-0.27	-0.93	-0.71	0.38	0.91		-0.68	-0.65	-0.84	-0.78	-0.71	0.33	-0.72	-0.05	-0.25	0.69	-0.05	-0.52
Property Plant Equipment	0.9	0.88	-0.4	0.97	0.54	-0.51	-0.27	0.65	0.83	0.08	-0.42	-0.68		0.62	0.41	0.56	0.77	-0.75	0.77	-0.47	-0.25	-0.87	-0.34	0.97
Short Term Investments	0.62	0.63	-0.26	0.71	0.3	-0.06	-0.24	0.77	0.36	-0.12	-0.67	-0.65	0.62		0.81	0.31	0.55	-0.18	0.54	-0.42	-0.23	-0.34	-0.13	0.5
Good Will	0.57	0.61	0.04	0.49	0.35	0.34	0.2	0.84	0.32	-0.59	-0.9	-0.84	0.41	0.81		0.51	0.42	-0.07	0.44	0.02	0.15	-0.29	0.08	0.21
Net Receivables	0.72	0.74	-0.09	0.59	0.38	0.1	0.27	0.69	0.85	-0.2	-0.63	-0.78	0.56	0.31	0.51		0.64	-0.32	0.64	0.11	0.29	-0.6	0.01	0.45
Net Tangible Assets	0.89	0.88	-0.5	0.8	0.2	-0.34	-0.09	0.83	0.87	0.24	-0.46	-0.71	0.77	0.55	0.42	0.64		-0.29	1.0	-0.34	-0.04	-0.84	0.01	0.75
Long Term Debt Total	-0.53	-0.51	0.19	-0.64	-0.56	0.5	0.19	-0.13	-0.54	0.07	0.05	0.33	-0.75	-0.18	-0.07	-0.32	-0.29		-0.3	0.25	0.2	0.69	0.46	-0.78
Capital Surpluse	0.88	0.88	-0.44	0.79	0.26	-0.32	-0.04	0.83	0.86	0.19	-0.46	-0.72	0.77	0.54	0.44	0.64	1.0	-0.3		-0.3	0.0	-0.85	0.05	0.74
Long Term Investments	-0.29	-0.25	0.77	-0.49	0.25	0.54	0.87	-0.13	-0.25	-0.45	-0.11	-0.05	-0.47	-0.42	0.02	0.11	-0.34	0.25	-0.3		0.8	0.2	0.64	-0.56
Short Long Term Debt	-0.04	-0.01	0.66	-0.23	0.29	0.59	0.91	0.12	0.01	-0.36	-0.23	-0.25	-0.25	-0.23	0.15	0.29	-0.04	0.2	0.0	0.8		0.01	0.7	-0.36
Earning Assets	-0.9	-0.88	0.36	-0.81	-0.43	0.44	-0.02	-0.63	-0.87	-0.09	0.36	0.69	-0.87	-0.34	-0.29	-0.6	-0.84	0.69	-0.85	0.2	0.01		0.08	-0.86
Net Invested Capital	-0.15	-0.13	0.49	-0.31	0.05	0.48	0.79	0.1	-0.17	-0.09	-0.08	-0.05	-0.34	-0.13	0.08	0.01	0.01	0.46	0.05	0.64	0.7	0.08		-0.42
Capital Stock	0.83	0.8	-0.51	0.93	0.43	-0.65	-0.4	0.51	0.81	0.27	-0.23	-0.52	0.97	0.5	0.21	0.45	0.75	-0.78	0.74	-0.56	-0.36	-0.86	-0.42

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Arrow Financial

In accordance with the company's disclosures, Arrow Financial has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Arrow Z Score Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Arrow Financial's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Arrow Financial could also be used in its relative valuation, which is a method of valuing Arrow Financial by comparing valuation metrics of similar companies.

Arrow Financial is currently under evaluation in z score category among its peers.

Arrow Financial Current Valuation Drivers

We derive many important indicators used in calculating different scores of Arrow Financial from analyzing Arrow Financial's financial statements. These drivers represent accounts that assess Arrow Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Arrow Financial's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	564.7M	462.5M	564.4M	559.7M	503.8M	529.0M
Enterprise Value	679.7M	151.8M	176.8M	575.0M	517.5M	262.1M

Arrow Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Arrow Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Arrow Financial's managers, analysts, and investors.

Environmental

Governance

Social

Arrow Financial Institutional Holders

Institutional Holdings refers to the ownership stake in Arrow Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Arrow Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Arrow Financial's value.

		Shares
Bank Of New York Mellon Corp	2024-06-30	129.3 K
Charles Schwab Investment Management Inc	2024-09-30	126 K
Hotchkis & Wiley Capital Management Llc	2024-09-30	118.6 K
Rockefeller Capital Management L.p.	2024-06-30	116.4 K
Franklin Resources Inc	2024-09-30	111.8 K
Nuveen Asset Management, Llc	2024-06-30	58.2 K
Ubs Group Ag	2024-06-30	56.8 K
Goldman Sachs Group Inc	2024-06-30	49.1 K
Amvescap Plc.	2024-06-30	46.8 K
Arrow Financial Corp(junk)	2024-09-30	2 M
Blackrock Inc	2024-06-30	1.3 M

Arrow Fundamentals

	Return On Equity	0.0875
	Return On Asset	0.0076
	Profit Margin	0.24 %
	Operating Margin	0.34 %
	Current Valuation	358.15 M
	Shares Outstanding	16.74 M
	Shares Owned By Insiders	2.81 %
	Shares Owned By Institutions	49.76 %
	Number Of Shares Shorted	140.37 K
	Price To Earning	11.95 X
	Price To Book	1.42 X
	Price To Sales	4.11 X
	Revenue	130.57 M
	Gross Profit	144.44 M
	EBITDA	70.46 M
	Net Income	48.8 M
	Cash And Equivalents	224.22 M
	Cash Per Share	13.58 X
	Total Debt	56.72 M
	Debt To Equity	0.09 %
	Book Value Per Share	23.50 X
	Cash Flow From Operations	59.71 M
	Short Ratio	4.05 X
	Earnings Per Share	1.94 X
	Price To Earnings To Growth	2.41 X
	Target Price	31.5
	Number Of Employees	560
	Beta	0.72
	Market Capitalization	571.29 M
	Total Asset	4.17 B
	Retained Earnings	65.79 M
	Annual Yield	0.03 %
	Five Year Return	3.08 %
	Net Asset	4.17 B
	Last Dividend Paid	1.08

About Arrow Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Arrow Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Arrow Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Arrow Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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Additional Tools for Arrow Stock Analysis

When running Arrow Financial's price analysis, check to measure Arrow Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Arrow Financial is operating at the current time. Most of Arrow Financial's value examination focuses on studying past and present price action to predict the probability of Arrow Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Arrow Financial's price. Additionally, you may evaluate how the addition of Arrow Financial to your portfolios can decrease your overall portfolio volatility.

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Arrow Financial Stock Z Score

Arrow Financial Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Arrow Z Score Driver Correlations

Arrow Z Score Peer Comparison

Arrow Financial Current Valuation Drivers

Arrow Financial ESG Sustainability

Arrow Financial Institutional Holders

Arrow Fundamentals

About Arrow Financial Fundamental Analysis

Also Currently Popular

Additional Tools for Arrow Stock Analysis

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