Stock AROW ARROW FINANCIAL CORPORATION
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Financials Arrow Financial Corporation

Equities

AROW

US0427441029

Banks

Real-time Estimate Cboe BZX
Other stock markets
 14:55:04 17/05/2024 BST 		5-day change 1st Jan Change
24.94 USD +0.30% Intraday chart for Arrow Financial Corporation +4.93% -10.84%
04-30 Arrow Financial Q1 Earnings Decline; Quarterly Dividend Maintained MT
04-30 Earnings Flash (AROW) ARROW FINANCIAL CORPORATION Posts Q1 EPS $0.45 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 566.1 463.3 564.5 560.3 476.5 415.3 -
Enterprise Value (EV) 1 566.1 463.3 564.5 560.3 476.5 415.3 415.3
P/E ratio 15.1 x 11.3 x 11.4 x 11.5 x 15.8 x 10.9 x 9.57 x
Yield - 3.41% 2.88% 3.12% 3.78% 4.36% 4.42%
Capitalization / Revenue 4.87 x 3.5 x 3.96 x 3.77 x 3.56 x 2.92 x 2.7 x
EV / Revenue 4.87 x 3.5 x 3.96 x 3.77 x 3.56 x 2.92 x 2.7 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - 1.39 x 1.52 x 1.59 x 1.25 x 1.05 x 0.99 x
Nbr of stocks (in thousands) 16,856 16,928 16,999 17,025 17,055 16,698 -
Reference price 2 33.58 27.37 33.21 32.91 27.94 24.87 24.87
Announcement Date 28/01/20 28/01/21 27/01/22 30/01/23 01/02/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 116.3 132.3 142.6 148.8 133.9 142.4 153.8
EBITDA - - - - - - -
EBIT - - - - - - -
Operating Margin - - - - - - -
Earnings before Tax (EBT) 1 - 51.86 64.4 - 37.52 48.44 55.61
Net income 1 - 40.83 49.86 48.8 30.08 38.67 43.8
Net margin - 30.85% 34.96% 32.79% 22.45% 27.16% 28.47%
EPS 2 2.221 2.416 2.922 2.864 1.770 2.290 2.600
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 0.9334 0.9577 1.025 1.056 1.085 1.100
Announcement Date 28/01/20 28/01/21 27/01/22 30/01/23 01/02/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 34.93 35.86 36.63 38.63 37.7 34.88 32.68 33.4 33.1 34.3 34.68 36.11 37.3 36.75 37.87
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 13.37 16.27 15.53 15.56 15.54 10.92 7.647 9.57 9.382 9.684 11.49 12.91 14.36 12.15 13.5
Net income 1 10.31 12.58 11.97 12.16 12.09 8.562 6.047 7.743 7.723 7.66 9.19 10.33 11.49 9.55 10.61
Net margin 29.51% 35.07% 32.69% 31.48% 32.06% 24.55% 18.5% 23.18% 23.33% 22.33% 26.5% 28.61% 30.8% 25.99% 28.02%
EPS 2 0.5938 0.7352 0.7070 0.7184 0.7087 0.5048 0.3495 0.4600 0.4600 0.4500 0.5400 0.6100 0.6800 0.5700 0.6300
Dividend per Share 2 0.2451 0.2545 0.2545 0.2544 0.2621 0.2621 0.2621 0.2620 0.2700 0.2700 0.2700 0.2700 0.2750 0.2750 0.2750
Announcement Date 27/01/22 26/04/22 27/07/22 27/10/22 30/01/23 24/07/23 08/08/23 24/10/23 01/02/24 30/04/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - 12.8% 14.1% 13.6% 8.29% 10.1% 10.9%
ROA (Net income/ Total Assets) - 1.17% 1.28% 1.21% 0.74% 0.87% 0.95%
Assets 1 - 3,489 3,895 4,033 4,064 4,445 4,634
Book Value Per Share 2 - 19.70 21.80 20.70 22.40 23.70 25.10
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 28/01/20 28/01/21 27/01/22 30/01/23 01/02/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Arrow Financial Corporation

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
24.87 USD
Average target price
28 USD
Spread / Average Target
+12.59%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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