Arrow Financial Statistics

Total Valuation

Arrow Financial has a market cap or net worth of $678.52 million. The enterprise value is $427.02 million.

Market Cap	678.52M
Enterprise Value	427.02M

Important Dates

The next estimated earnings date is Thursday, July 23, 2026, before market open.

Earnings Date	Jul 23, 2026
Ex-Dividend Date	May 12, 2026

Share Statistics

Arrow Financial has 16.53 million shares outstanding. The number of shares has decreased by -1.55% in one year.

Current Share Class	16.53M
Shares Outstanding	16.53M
Shares Change (YoY)	-1.55%
Shares Change (QoQ)	-0.06%
Owned by Insiders (%)	2.78%
Owned by Institutions (%)	44.93%
Float	14.19M

Valuation Ratios

The trailing PE ratio is 13.27 and the forward PE ratio is 10.49.

PE Ratio	13.27
Forward PE	10.49
PS Ratio	4.03
Forward PS	3.03
PB Ratio	1.54
P/TBV Ratio	1.64
P/FCF Ratio	16.41
P/OCF Ratio	14.61
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	8.39
EV / Sales	2.54
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	10.33

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.91
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.11%.

Return on Equity (ROE)	12.11%
Return on Assets (ROA)	1.14%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	8.00%
Revenue Per Employee	$291,272
Profits Per Employee	$88,092
Employee Count	578
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Arrow Financial has paid $13.47 million in taxes.

Income Tax	13.47M
Effective Tax Rate	20.86%

Stock Price Statistics

The stock price has increased by +58.28% in the last 52 weeks. The beta is 0.76, so Arrow Financial's price volatility has been lower than the market average.

Beta (5Y)	0.76
52-Week Price Change	+58.28%
50-Day Moving Average	37.26
200-Day Moving Average	32.92
Relative Strength Index (RSI)	69.82
Average Volume (20 Days)	107,719

Short Selling Information

The latest short interest is 274,819, so 1.66% of the outstanding shares have been sold short.

Short Interest	274,819
Short Previous Month	275,010
Short % of Shares Out	1.66%
Short % of Float	1.94%
Short Ratio (days to cover)	3.89

Income Statement

In the last 12 months, Arrow Financial had revenue of $168.36 million and earned $50.92 million in profits. Earnings per share was $3.09.

Revenue	168.36M
Gross Profit	168.36M
Operating Income	67.03M
Pretax Income	64.60M
Net Income	50.92M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.09

Full Income Statement

Balance Sheet

The company has $288.95 million in cash and $37.45 million in debt, giving a net cash position of $251.49 million or $15.22 per share.

Cash & Cash Equivalents	288.95M
Total Debt	37.45M
Net Cash	251.49M
Net Cash Per Share	$15.22
Equity (Book Value)	440.14M
Book Value Per Share	26.63
Working Capital	-3.73B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $46.45 million and capital expenditures -$5.12 million, giving a free cash flow of $41.34 million.

Operating Cash Flow	46.45M
Capital Expenditures	-5.12M
Depreciation & Amortization	n/a
Net Borrowing	-4.41M
Free Cash Flow	41.34M
FCF Per Share	$2.50

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	39.82%
Pretax Margin	38.37%
Profit Margin	30.37%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	24.55%

Dividends & Yields

This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 2.92%.

Dividend Per Share	$1.20
Dividend Yield	2.92%
Dividend Growth (YoY)	6.31%
Years of Dividend Growth	32
Payout Ratio	38.14%
Buyback Yield	1.55%
Shareholder Yield	4.47%
Earnings Yield	7.50%
FCF Yield	6.09%

Dividend Details

Analyst Forecast

The average price target for Arrow Financial is $41.00, which is -0.12% lower than the current price. The consensus rating is "Hold".

Price Target	$41.00
Price Target Difference	-0.12%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (3Y)	n/a
EPS Growth Forecast (3Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on September 19, 2023. It was a forward split with a ratio of 1.03:1.

Last Split Date	Sep 19, 2023
Split Type	Forward
Split Ratio	1.03:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3