Arrow Financial Financials

AROW Stock  USD 27.72  0.16  0.57%   
Based on the analysis of Arrow Financial's profitability, liquidity, and operating efficiency, Arrow Financial is performing exceptionally good at this time. It has a great probability to report excellent financial results in November. At this time, Arrow Financial's Liabilities And Stockholders Equity is fairly stable compared to the past year. Non Current Liabilities Total is likely to climb to about 3.2 B in 2024, whereas Cash is likely to drop slightly above 78.3 M in 2024. Key indicators impacting Arrow Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.120.1248
Sufficiently Down
Slightly volatile
Operating Income179 M170.5 M
Sufficiently Up
Slightly volatile
Current Ratio0.180.1877
Sufficiently Down
Slightly volatile
Investors should never underestimate Arrow Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Arrow Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in Arrow Financial.

Net Income

19.88 Million

  
Understanding current and past Arrow Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Arrow Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Arrow Financial's assets may result in an increase in income on the income statement.
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.

Arrow Financial Stock Summary

Arrow Financial competes with HMN Financial, Community West, Morningstar Unconstrained, Thrivent High, and Via Renewables. Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York. Arrow Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 512 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS0427441029
CUSIP042744102
LocationNew York; U.S.A
Business Address250 Glen Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.arrowfinancial.com
Phone518 745 1000
CurrencyUSD - US Dollar

Arrow Financial Key Financial Ratios

Arrow Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets3.2B3.7B4.0B4.0B4.2B4.4B
Net Debt115.0M(310.8M)(387.5M)15.3M(85.8M)(81.5M)
Retained Earnings33.2M41.9M54.1M65.4M65.8M69.1M
Cash70.2M381.0M457.7M64.7M142.5M78.3M
Other Assets2.1B2.3B2.2B2.5B2.9B2.1B
Total Liab2.9B70.2M70.2M3.6B3.8B4.0B
Total Current Assets427.6M746.3M1.0B638.2M142.5M135.4M
Short Term Debt130M18.3M874K27M888K843.6K
Other Current Liab(130M)919.4M810.3M(27M)758.4M690.9M
Common Stock19.6M20.2M20.8M21.4M22.1M17.5M
Other Liab24.4M31.8M36.1M24.4M28.0M23.9M
Accounts Payable2.6B3.2B3.6B3.5B4.0B4.2B
Other Current Assets70.2M381.0M457.7M142.5M128.3M121.9M
Treasury Stock(79.3M)(80.1M)(80.5M)(82.0M)(73.8M)(77.5M)
Intangible Assets1.7M2.0M1.9M1.5M1.1M1.1M
Inventory1.3M155K126K593K682.0K720.7K
Net Tangible Assets278.2M310.6M347.4M331.0M380.6M253.5M
Capital Surpluse314.5M335.4M353.7M378.0M434.7M308.9M

Arrow Financial Key Income Statement Accounts

The reason investors look at the income statement is to determine what Arrow Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense21.7M12.7M5.2M11.3M7.6M14.1M
Operating Income47.1M51.9M64.4M74.2M170.5M179.0M
Ebit47.1M55.4M64.4M74.2M(4.3M)(4.1M)
Ebitda52.6M58.7M72.2M2.4M2.8M2.7M
Net Income37.5M40.8M49.9M48.8M30.1M19.9M
Income Tax Expense9.6M11.0M14.5M14.1M7.4M6.5M
Total Revenue116.6M131.9M142.7M149.2M191.7M201.3M
Gross Profit116.6M131.9M142.7M149.2M191.7M201.3M
Income Before Tax47.1M51.9M64.4M62.9M37.5M31.1M
Tax Provision9.6M11.0M14.5M14.1M9.2M12.2M
Net Interest Income88.0M99.2M110.4M118.3M109.8M100.8M
Interest Income109.8M111.9M115.6M129.7M154.1M116.1M

Arrow Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(14.0M)310.8M76.7M(393.0M)(353.7M)(336.0M)
Free Cash Flow36.2M37.2M61.1M45.5M52.3M30.1M
Depreciation5.5M6.9M7.8M7.5M8.7M4.8M
Other Non Cash Items2.3M(1.9M)9.8M(160K)4.3M2.8M
Dividends Paid15.2M15.7M16.3M17.4M20.1M10.6M
Capital Expenditures7.8M5.1M7.1M14.3M16.4M17.2M
Net Income37.5M40.8M49.9M48.8M56.1M58.9M
End Period Cash Flow70.2M381.0M457.7M64.7M74.4M78.6M
Investments(191.1M)(177.6M)(269.0M)(60.1M)(130.4M)(136.9M)
Net Borrowings(122.6M)(18.6M)(17.5M)9.8M11.2M11.8M
Change To Netincome3.8M(4.2M)11.3M3.9M4.5M3.3M

Arrow Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Arrow Financial's current stock value. Our valuation model uses many indicators to compare Arrow Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Arrow Financial competition to find correlations between indicators driving Arrow Financial's intrinsic value. More Info.
Arrow Financial is number one stock in return on equity category among its peers. It also is number one stock in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Arrow Financial is roughly  11.21 . At this time, Arrow Financial's Return On Equity is fairly stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Arrow Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Arrow Financial Systematic Risk

Arrow Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Arrow Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Arrow Financial correlated with the market. If Beta is less than 0 Arrow Financial generally moves in the opposite direction as compared to the market. If Arrow Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Arrow Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Arrow Financial is generally in the same direction as the market. If Beta > 1 Arrow Financial moves generally in the same direction as, but more than the movement of the benchmark.

Arrow Financial Thematic Clasifications

Arrow Financial is part of Banks investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All money banks and credit services. Large and small money and credit banks and credit services
BanksView
This theme covers All money banks and credit services. Large and small money and credit banks and credit services. Get More Thematic Ideas
Today, most investors in Arrow Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Arrow Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Arrow Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.39)

At this time, Arrow Financial's Price Earnings To Growth Ratio is fairly stable compared to the past year.

Arrow Financial October 10, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Arrow Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Arrow Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Arrow Financial based on widely used predictive technical indicators. In general, we focus on analyzing Arrow Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Arrow Financial's daily price indicators and compare them against related drivers.

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.