Arrow Financial Valuation
| AROW Stock | USD 34.67 0.04 0.12% |
At this time, the firm appears to be undervalued. Arrow Financial shows a prevailing Real Value of $37.04 per share. The current price of the firm is $34.67. Our model approximates the value of Arrow Financial from analyzing the firm fundamentals such as Profit Margin of 0.28 %, return on equity of 0.11, and Current Valuation of 385.83 M as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Arrow Financial's valuation include:
Price Book 1.3195 | Enterprise Value | Price Sales 3.6054 | Trailing PE 13.0981 | Enterprise Value Revenue 3.6174 |
Undervalued
Today
Please note that Arrow Financial's price fluctuation is very steady at this time. Calculation of the real value of Arrow Financial is based on 3 months time horizon. Increasing Arrow Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Arrow stock is determined by what a typical buyer is willing to pay for full or partial control of Arrow Financial. Since Arrow Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Arrow Stock. However, Arrow Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 34.67 | Real 37.04 | Target 34.5 | Hype 34.81 |
The intrinsic value of Arrow Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Arrow Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Arrow Financial helps investors to forecast how Arrow stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Arrow Financial more accurately as focusing exclusively on Arrow Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Arrow Financial's intrinsic value based on its ongoing forecasts of Arrow Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Arrow Financial's closest peers.
Arrow Financial Cash |
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Arrow Revenue by Product
Arrow Financial Total Value Analysis
Arrow Financial is presently estimated to have valuation of 385.83 M with market capitalization of 570.82 M, debt of 29.19 M, and cash on hands of 224.22 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Arrow Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
385.83 M | 570.82 M | 29.19 M | 224.22 M |
Arrow Financial Investor Information
About 53.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.32. 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 11th of February 2026. The firm had 103:100 split on the 16th of September 2022. Arrow Financial is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Total Cash From Operating Activities | 33.7 M | 39.6 M |
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| Operating Income | 28.6 M | 55.4 M |
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Arrow Financial Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Arrow Financial has an asset utilization ratio of 5.46 percent. This indicates that the Company is making $0.0546 for each dollar of assets. An increasing asset utilization means that Arrow Financial is more efficient with each dollar of assets it utilizes for everyday operations.Arrow Financial Profitability Analysis
Taking into consideration Arrow Financial's profitability measurements, Arrow Financial may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess Arrow Financial's ability to earn profits and add value for shareholders.Net Income | First Reported 1989-03-31 | Previous Quarter 12.8 M | Current Value 14 M | Quarterly Volatility 4.4 M |
For Arrow Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Arrow Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Arrow Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Arrow Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Arrow Financial over time as well as its relative position and ranking within its peers.
Arrow Financial Earnings per Share Projection vs Actual
The next projected EPS of Arrow Financial is estimated to be 0.83 with future projections ranging from a low of 0.83 to a high of 0.83. Arrow Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 2.65. Please be aware that the consensus of earnings estimates for Arrow Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.Arrow Financial Earnings Estimation Breakdown
The calculation of Arrow Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Arrow Financial is estimated to be 0.83 with the future projection ranging from a low of 0.83 to a high of 0.83. Please be aware that this consensus of annual earnings estimates for Arrow Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.83 Lowest | Expected EPS | 0.83 Highest |
Arrow Financial Earnings Projection Consensus
Suppose the current estimates of Arrow Financial's value are higher than the current market price of the Arrow Financial stock. In this case, investors may conclude that Arrow Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Arrow Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 30th of June 2026 | Current EPS (TTM) | |
| 1 | 86.53% | 0.0 | 0.83 | 2.65 |
Arrow Financial Ownership Allocation
Arrow Financial holds a total of 16.45 Million outstanding shares. Over half of Arrow Financial's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.Arrow Financial Profitability Analysis
The company reported the previous year's revenue of 242.58 M. Net Income was 29.71 M with profit before overhead, payroll, taxes, and interest of 158.32 M.Arrow Financial Past Distributions to stockholders
About Arrow Financial Valuation
Our relative valuation model uses a comparative analysis of Arrow Financial. We calculate exposure to Arrow Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Arrow Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 158.3 M | 84.6 M | |
| Pretax Profit Margin | 0.23 | 0.22 | |
| Operating Profit Margin | 0.23 | 0.22 | |
| Net Profit Margin | 0.18 | 0.16 | |
| Gross Profit Margin | 0.65 | 0.57 |
Arrow Financial Quarterly Retained Earnings |
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A single share of Arrow Financial represents a small ownership stake in the entity. As a stockholder of Arrow, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Arrow Financial Dividends Analysis For Valuation
At this time, Arrow Financial's Dividend Yield is fairly stable compared to the past year. Dividend Payout Ratio is likely to climb to 0.65 in 2026, despite the fact that Dividends Paid is likely to grow to (20 M). . At this time, Arrow Financial's Retained Earnings are fairly stable compared to the past year. Earnings Yield is likely to climb to 0.09 in 2026, whereas Earning Assets are likely to drop slightly above 548.2 M in 2026.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -21 M | -20 M | |
| Dividend Yield | 0.04 | 0.06 | |
| Dividend Payout Ratio | 0.43 | 0.65 | |
| Dividend Paid And Capex Coverage Ratio | 1.66 | 1.58 |
There are various types of dividends Arrow Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Arrow shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Arrow Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Arrow pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Arrow Financial by the value of the dividends paid out.
Arrow Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Arrow Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 16.5 M | |
| Quarterly Earnings Growth Y O Y | 2.179 |
Arrow Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of Arrow Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Arrow we look at many different elements of the entity such as Arrow's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Arrow Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Arrow Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Arrow Financial's worth.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.