Is Arrow Financial Stock a Good Investment?
Arrow Financial Investment Advice | AROW |
- Examine Arrow Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Arrow Financial's leadership team and their track record. Good management can help Arrow Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Arrow Financial's business and its evolving consumer preferences.
- Compare Arrow Financial's performance and market position to its competitors. Analyze how Arrow Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Arrow Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Arrow Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Arrow Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Arrow Financial is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Modest | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Arrow Financial Stock
Researching Arrow Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 50.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.42. Some equities with similar Price to Book (P/B) outperform the market in the long run. Arrow Financial has Price/Earnings To Growth (PEG) ratio of 2.41. The entity last dividend was issued on the 15th of October 2024. The firm had 103:100 split on the 16th of September 2022.
To determine if Arrow Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Arrow Financial's research are outlined below:
| On 29th of October 2024 Arrow Financial paid $ 0.28 per share dividend to its current shareholders | |
| Latest headline from thelincolnianonline.com: Jennison Associates LLC Raises Stake in Sanofi |
Arrow Financial Quarterly Gross Profit |
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Arrow Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Arrow Financial. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Arrow Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 29th of January 2024 Upcoming Quarterly Report | View | |
| 22nd of July 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 29th of January 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Arrow Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Arrow Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2000-01-18 | 1999-12-31 | 0.18 | 0.2 | 0.02 | 11 | ||
1997-10-16 | 1997-09-30 | 0.14 | 0.16 | 0.02 | 14 | ||
1995-04-13 | 1995-03-31 | 0.11 | 0.13 | 0.02 | 18 | ||
2006-04-24 | 2006-03-31 | 0.29 | 0.26 | -0.03 | 10 | ||
1994-10-13 | 1994-09-30 | 0.16 | 0.19 | 0.03 | 18 | ||
2016-01-21 | 2015-12-31 | 0.39 | 0.43 | 0.04 | 10 | ||
2014-01-21 | 2013-12-31 | 0.34 | 0.38 | 0.04 | 11 | ||
2013-04-19 | 2013-03-31 | 0.36 | 0.32 | -0.04 | 11 |
Know Arrow Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Arrow Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Arrow Financial backward and forwards among themselves. Arrow Financial's institutional investor refers to the entity that pools money to purchase Arrow Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| 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 Financial's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 571.29 M.Market Cap |
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Arrow Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.08 | 0.10 |
Determining Arrow Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Arrow Financial is a good buy. For example, gross profit margin measures Arrow Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Arrow Financial's profitability and make more informed investment decisions.
Please note, the imprecision that can be found in Arrow Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Arrow Financial. Check Arrow Financial's Beneish M Score to see the likelihood of Arrow Financial's management manipulating its earnings.
Evaluate Arrow Financial's management efficiency
At this time, Arrow Financial's Return On Tangible Assets are fairly stable compared to the past year. Return On Assets is likely to climb to 0.01 in 2024, whereas Return On Capital Employed is likely to drop 0.0006 in 2024. At this time, Arrow Financial's Total Assets are fairly stable compared to the past year. Non Current Assets Total is likely to climb to about 4.2 B in 2024, whereas Total Current Assets are likely to drop slightly above 135.4 M in 2024. Arrow Financial's management efficiency ratios could be used to measure how well Arrow Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 22.29 | 17.51 | |
| Tangible Book Value Per Share | 20.94 | 16.83 | |
| Enterprise Value Over EBITDA | 9.38 | 10.55 | |
| Price Book Value Ratio | 1.25 | 2.02 | |
| Enterprise Value Multiple | 9.38 | 10.55 | |
| Price Fair Value | 1.25 | 2.02 | |
| Enterprise Value | 517.5 M | 262.1 M |
The management team at Arrow Financial has a track record of steering the company towards sustained growth. Evaluating their strategies helps in understanding the stock's long-term potential.
Dividend Yield 0.0327 | Forward Dividend Yield 0.0327 | Forward Dividend Rate 1.12 | Beta 0.719 |
Basic technical analysis of Arrow Stock
As of the 24th of November, Arrow Financial shows the Downside Deviation of 1.96, mean deviation of 1.7, and Risk Adjusted Performance of 0.0895. Arrow Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Arrow Financial standard deviation, value at risk, as well as the relationship between the Value At Risk and kurtosis to decide if Arrow Financial is priced correctly, providing market reflects its regular price of 33.45 per share. Given that Arrow Financial has jensen alpha of (0.02), we suggest you to validate Arrow Financial's prevailing market performance to make sure the company can sustain itself at a future point.Arrow Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Arrow Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Arrow Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Arrow Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Arrow Financial's Outstanding Corporate Bonds
Arrow Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Arrow Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Arrow bonds can be classified according to their maturity, which is the date when Arrow Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand Arrow Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Arrow Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0895 | |||
| Market Risk Adjusted Performance | 0.1236 | |||
| Mean Deviation | 1.7 | |||
| Semi Deviation | 1.76 | |||
| Downside Deviation | 1.96 | |||
| Coefficient Of Variation | 930.36 | |||
| Standard Deviation | 2.59 | |||
| Variance | 6.72 | |||
| Information Ratio | 0.057 | |||
| Jensen Alpha | (0.02) | |||
| Total Risk Alpha | (0.14) | |||
| Sortino Ratio | 0.0755 | |||
| Treynor Ratio | 0.1136 | |||
| Maximum Drawdown | 17.84 | |||
| Value At Risk | (3.25) | |||
| Potential Upside | 3.73 | |||
| Downside Variance | 3.83 | |||
| Semi Variance | 3.09 | |||
| Expected Short fall | (1.97) | |||
| Skewness | 2.19 | |||
| Kurtosis | 10.34 |
| Risk Adjusted Performance | 0.0895 | |||
| Market Risk Adjusted Performance | 0.1236 | |||
| Mean Deviation | 1.7 | |||
| Semi Deviation | 1.76 | |||
| Downside Deviation | 1.96 | |||
| Coefficient Of Variation | 930.36 | |||
| Standard Deviation | 2.59 | |||
| Variance | 6.72 | |||
| Information Ratio | 0.057 | |||
| Jensen Alpha | (0.02) | |||
| Total Risk Alpha | (0.14) | |||
| Sortino Ratio | 0.0755 | |||
| Treynor Ratio | 0.1136 | |||
| Maximum Drawdown | 17.84 | |||
| Value At Risk | (3.25) | |||
| Potential Upside | 3.73 | |||
| Downside Variance | 3.83 | |||
| Semi Variance | 3.09 | |||
| Expected Short fall | (1.97) | |||
| Skewness | 2.19 | |||
| Kurtosis | 10.34 |
Consider Arrow Financial's intraday indicators
Arrow Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Arrow Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Arrow Financial Corporate Filings
F4 | 22nd of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F3 | 21st of November 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
10Q | 7th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
| 4th of November 2024 Other Reports | ViewVerify |
Arrow Stock media impact
Far too much social signal, news, headlines, and media speculation about Arrow Financial that are available to investors today. That information is available publicly through Arrow media outlets and privately through word of mouth or via Arrow internal channels. However, regardless of the origin, that massive amount of Arrow data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Arrow Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Arrow Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Arrow Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Arrow Financial alpha.
Arrow Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Arrow Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Arrow Financial Corporate Management
| Thomas CPA | CEO and President | Profile | |
| Marc Yrsha | Senior Officer | Profile | |
| Michael Jacobs | Executive Officer | Profile | |
| Brooke Pancoe | Senior Officer | Profile | |
| Annette Reitano | Senior Falls | Profile |
Already Invested in Arrow Financial?
The danger of trading Arrow Financial is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Arrow Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Arrow Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Arrow Financial is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
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.