Arrow Financial Corporation AROW
37.65
0.32
0.86%
as of 25 Sep
- Market cap
- $691.5M
- P/E
- 12.1×
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
22.38 | 17.69 | 13.87 | 16.49 | 12.04 | 11.67 | 11.84 | 15.93 | 16.13 | 11.85 |
P/S ratio |
5.66 | 4.60 | 4.02 | 4.46 | 3.39 | 3.93 | 3.60 | 2.51 | 2.15 | 2.14 |
P/FCF ratio |
16.84 | 14.09 | 13.02 | 17.07 | 12.37 | 9.28 | 12.31 | 29.71 | 14.93 | 13.17 |
P/Operating CF |
62.29 | 45.16 | 60.16 | 55.00 | 33.27 | 46.52 | 50.24 | (29.50) | 85.44 | 87.70 |
P/B ratio |
2.55 | 2.07 | 1.87 | 2.05 | 1.47 | 1.57 | 1.63 | 1.27 | 1.20 | 1.20 |
Price to Tangible BV |
2.85 | 2.29 | 2.05 | 2.22 | 1.58 | 1.67 | 1.75 | 1.35 | 1.28 | 1.28 |
EV/Sales |
7.01 | 5.55 | 5.73 | 5.29 | 1.24 | 1.31 | 3.35 | 1.90 | 1.57 | 1.36 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
21.16 | 16.48 | 17.12 | 16.66 | 4.25 | 2.84 | 9.02 | 17.69 | 10.18 | 7.97 |
EV/FCF |
20.83 | 17.01 | 18.57 | 20.25 | 4.54 | 3.09 | 11.47 | 22.46 | 10.90 | 8.36 |
Quick Ratio |
0.03 | 0.03 | 0.04 | 0.03 | 0.12 | 0.13 | 0.02 | 0.04 | 0.04 | 0.05 |
Current Ratio |
0.83 | 0.87 | 0.94 | 0.91 | 0.91 | 0.87 | 0.85 | 0.90 | 0.92 | 0.92 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
7.60% | 6.52% | 10.01% | 5.82% | 1.90% | 1.74% | 0.63% | 0.60% | 0.58% | 0.56% |
Debt/Equity |
0.85 | 0.72 | 1.11 | 0.61 | 0.21 | 0.19 | 0.07 | 0.07 | 0.06 | 0.06 |
Asset Turnover |
0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.06 |
Operating CF/Net income |
1.31 | 1.29 | 1.16 | 1.17 | 1.04 | 1.37 | 1.22 | 0.68 | 1.16 | 0.94 |
Capex/Depreciation |
0.09 | (0.22) | (0.69) | (1.41) | (0.39) | (0.71) | (1.69) | (0.65) | (0.42) | (0.36) |
| 11.88% | 12.16% | 13.98% | 13.12% | 12.84% | 14.13% | 13.47% | 8.20% | 7.61% | 10.56% | |
| 1.05% | 1.09% | 1.26% | 1.21% | 1.19% | 1.29% | 1.22% | 0.74% | 0.70% | 1.00% | |
ROIC |
6.32% | 6.98% | 5.85% | 7.06% | 137.24% | 0.00% | 12.52% | 8.94% | 8.60% | 14.27% |
Return on Tangible Assets |
(8.00%) | (10.57%) | (33.12%) | (19.58%) | (15.53%) | (12.28%) | (10.19%) | (9.11%) | (11.37%) | (17.49%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
58.85% | 58.27% | 53.93% | 50.27% | 55.34% | 52.95% | 53.77% | 50.31% | 45.93% | 45.43% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
1.54% | 0.83% | 0.59% | 0.60% | 0.38% | 0.53% | 0.54% | 0.43% | 0.36% | 0.47% |
Graham Net Nets |
(0.98) | (0.98) | (0.91) | (0.72) | (0.83) | (0.96) | (1.03) | (0.97) | (0.81) | (0.74) |
Graham Number |
22.63 | 24.40 | 28.11 | 29.97 | 32.78 | 37.96 | 36.63 | 29.83 | 30.97 | 39.50 |
Earnings Yield |
4.47% | 5.65% | 7.21% | 6.06% | 8.31% | 8.57% | 8.44% | 6.28% | 6.20% | 8.44% |
Free Cash Flow Yield |
5.94% | 7.10% | 7.68% | 5.86% | 8.08% | 10.77% | 8.12% | 3.37% | 6.70% | 7.59% |
Revenue per Share |
6.36 | 6.77 | 7.51 | 8.23 | 8.55 | 8.70 | 9.44 | 11.25 | 13.33 | 14.70 |
Operating CF per Share |
2.11 | 2.28 | 2.51 | 2.61 | 2.50 | 4.01 | 3.51 | 1.21 | 2.06 | 2.50 |
Capex per Share |
0.03 | (0.07) | (0.20) | (0.46) | (0.16) | (0.33) | (0.75) | (0.26) | (0.14) | (0.12) |
Free Cash Flow per Share |
2.14 | 2.21 | 2.32 | 2.15 | 2.35 | 3.68 | 2.76 | 0.95 | 1.92 | 2.38 |
Cash per Share |
3.48 | 4.39 | 5.04 | 4.18 | 22.55 | 26.93 | 3.80 | 8.37 | 9.23 | 12.98 |
Shareholders Equity per Share |
14.14 | 15.05 | 16.14 | 17.94 | 19.79 | 21.84 | 20.79 | 22.29 | 23.95 | 26.17 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
14.14 | 15.05 | 16.14 | 17.94 | 19.79 | 21.84 | 20.79 | 22.29 | 23.95 | 26.17 |
Free Cash Flow |
35.25 | 36.63 | 38.70 | 36.16 | 39.66 | 62.62 | 46.94 | 16.21 | 32.20 | 39.34 |
Working Capital |
(358.77) | (305.06) | (139.98) | (232.00) | (305.42) | (452.14) | (535.25) | (389.89) | (321.04) | (310.78) |
Capital Expenditures |
0.55 | (1.19) | (3.27) | (7.78) | (2.65) | (5.59) | (12.77) | (4.37) | (2.27) | (1.94) |
Net Current Asset Value |
(578.78) | (505.84) | (458.49) | (447.39) | (407.45) | (558.41) | (598.06) | (465.92) | (389.96) | (381.06) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
(0.01) | 0.01 | 0.03 | 0.06 | 0.02 | 0.04 | 0.08 | 0.02 | 0.01 | 0.01 |
Net Profit Margin |
25.33% | 26.11% | 28.92% | 27.09% | 28.24% | 33.71% | 30.40% | 15.69% | 13.32% | 18.12% |
Price to Operating Income |
15.72 | 12.95 | 11.13 | 13.11 | 9.46 | 9.02 | 9.19 | 12.83 | 12.86 | 9.36 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.22 | 0.20 | 0.16 | 0.14 | 0.16 | 0.17 | 0.13 | 0.11 | 0.09 | 0.09 |
Cash ROIC |
1.59% | 2.03% | 1.77% | 0.59% | (0.04%) | 2.45% | 0.73% | (7.14%) | (4.35%) | (2.71%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
144,238.10 | 116,966.51 | 68,573.34 | 43,982.48 | 93,010.48 | 249,457.44 | 112,920.31 | 23,313.96 | 16,780.90 | 18,678.23 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,073.48 | 2,180.83 | 2,295.35 | 2,480.82 | 2,925.39 | 3,392.61 | 3,524.43 | 3,592.97 | 3,757.75 | 3,883.70 |
Average Assets |
2,525.72 | 2,682.85 | 2,874.40 | 3,086.30 | 3,436.46 | 3,858.29 | 3,998.73 | 4,069.69 | 4,238.11 | 4,376.11 |
Average Common Equity |
223.41 | 241.23 | 259.59 | 285.66 | 318.06 | 352.79 | 362.36 | 366.66 | 390.34 | 416.38 |
Columns are period end dates