Shares Outstanding Shares Outstanding n/a Close	16.68M
Shares Change (YoY) Shares Change (YoY) n/a Close	0.12%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	-0.13%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	51.09%
Shares Floating Shares Floating n/a Close	16.16M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	87
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.19%

Short Selling Information

The latest short interest is 93.31K, so 0.56% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	93.31K
Short % of Shares Out Short % of Shares Out n/a Close	0.56%
Short % of Float Short % of Float n/a Close	0.57%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	2.23

Valuation Ratios

The PE ratio is 16.18 and the forward PE ratio is 8.9. Arrow Financial's PEG ratio is 59.65.

PE Ratio PE Ratio n/a Close	16.18
Forward PE Forward PE n/a Close	8.9
PS Ratio PS Ratio n/a Close	2.15
Forward PS Forward PS n/a Close	2.5
PB Ratio PB Ratio n/a Close	1.2
P/FCF Ratio P/FCF Ratio n/a Close	16.65
PEG Ratio PEG Ratio n/a Close	59.65

Financial Ratio History

Enterprise Valuation

Arrow Financial has an Enterprise Value (EV) of 359.64M.

EV / Sales EV / Sales n/a Close	1.61
EV / EBITDA EV / EBITDA n/a Close	8.42
EV / EBIT EV / EBIT n/a Close	10.43
EV / FCF EV / FCF n/a Close	12.46

Financial Position

The company has a current ratio of 0.16, with a Debt / Equity ratio of 0.08.

Current Ratio Current Ratio n/a Close	0.16
Quick Ratio Quick Ratio n/a Close	0.16
Debt / Equity Debt / Equity n/a Close	0.08
Debt / EBITDA Debt / EBITDA n/a Close	0.79
Debt / FCF Debt / FCF n/a Close	1.16
Interest Coverage Interest Coverage n/a Close	0.45

Financial Efficiency

Return on Equity is 7.41% and Return on Invested Capital is 6.21%.

Return on Equity Return on Equity n/a Close	7.41%
Return on Assets Return on Assets n/a Close	0.69%
Return on Invested Capital Return on Invested Capital n/a Close	6.21%
Revenue Per Employee Revenue Per Employee n/a Close	$384,598.28
Profits Per Employee Profits Per Employee n/a Close	$51,222.41
Employee Count Employee Count n/a Close	580
Asset Turnover Asset Turnover n/a Close	0.05
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	7.65M
Effective Tax Rate Effective Tax Rate n/a Close	20.47%

Stock Price Statistics

The stock price has increased by 6.21% in the last 52 weeks. The beta is 0.77, so Arrow Financial's price volatility has been higher than the market average.

Beta Beta n/a Close	0.77
52-Week Price Change 52-Week Price Change n/a Close	6.21%
50-Day Moving Average 50-Day Moving Average n/a Close	25.39
200-Day Moving Average 200-Day Moving Average n/a Close	27.93
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	52.52
Average Volume (20 Days) Average Volume (20 Days) n/a Close	45,279

Income Statement

In the last 12 months, Arrow Financial had revenue of 223.07M and earned 29.71M in profits. Earnings per share was 1.77.

Revenue Revenue n/a Close	223.07M
Gross Profit Gross Profit n/a Close	134.63M
Operating Income Operating Income n/a Close	37.36M
Net Income Net Income n/a Close	29.71M
EBITDA EBITDA n/a Close	42.72M
EBIT EBIT n/a Close	37.36M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	1.77

Full Income Statement

Balance Sheet

The company has 154.55M in cash and 33.6M in debt, giving a net cash position of 120.94M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	154.55M
Total Debt Total Debt n/a Close	33.6M
Net Cash Net Cash n/a Close	120.94M
Retained Earnings Retained Earnings n/a Close	77.22M
Total Assets Total Assets n/a Close	4.45B
Working Capital Working Capital n/a Close	-3.22B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 34.47M and capital expenditures -5.6M, giving a free cash flow of 28.87M.

Operating Cash Flow Operating Cash Flow n/a Close	34.47M
Capital Expenditures Capital Expenditures n/a Close	-5.6M
Free Cash Flow Free Cash Flow n/a Close	28.87M
FCF Per Share FCF Per Share n/a Close	1.72

Full Cash Flow Statement

Margins

Gross margin is 60.35%, with operating and profit margins of 16.75% and 13.32%.

Gross Margin Gross Margin n/a Close	60.35%
Operating Margin Operating Margin n/a Close	16.75%
Pretax Margin Pretax Margin n/a Close	16.75%
Profit Margin Profit Margin n/a Close	13.32%
EBITDA Margin EBITDA Margin n/a Close	19.15%
EBIT Margin EBIT Margin n/a Close	16.75%
FCF Margin FCF Margin n/a Close	12.94%

Dividends & Yields

AROW pays an annual dividend of $1.38, which amounts to a dividend yield of 4.17%.

Dividend Per Share Dividend Per Share n/a Close	$1.38
Dividend Yield Dividend Yield n/a Close	4.17%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	3.7%
Payout Ratio Payout Ratio n/a Close	81.18%
Earnings Yield Earnings Yield n/a Close	6.18%
FCF Yield FCF Yield n/a Close	6.01%

Dividend Details

Analyst Forecast

The average price target for AROW is $28, which is 7.7% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$28
Price Target Difference Price Target Difference n/a Close	7.7%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	1

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$8.87
Lynch Upside Lynch Upside n/a Close	-65.87%
Graham Number Graham Number n/a Close	30.93
Graham Upside Graham Upside n/a Close	19.01%

Stock Splits

The last stock split was on Sep 19, 2023. It was a forward split with a ratio of 103:100.

Last Split Date Last Split Date n/a Close	Sep 19, 2023
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	103:100

Scores

Altman Z-Score Altman Z-Score n/a Close	-0.7
Piotroski F-Score Piotroski F-Score n/a Close	6