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Arrow Financial Corporation (AROW) vs Shore Bancshares Inc (SHBI)

Arrow Financial Corporation and Shore Bancshares Inc are both Banks Regional companies. Arrow Financial Corporation and Shore Bancshares Inc are of similar size ($744.8M and $715.6M). Shore Bancshares Inc trades at the lower P/E: 10.9× against 12.5×. Arrow Financial Corporation grew revenue faster over the last twelve months: 8.43% against 2.75%. Arrow Financial Corporation has the higher net margin (20.6% vs 19.7%) and the lower return on invested capital (14.2% vs 22.4%). Both pay a dividend; Arrow Financial Corporation yields more (3.08% vs 2.32%). Across the 19 metrics below, Shore Bancshares Inc leads on 11 and Arrow Financial Corporation on 8.

Valuation

Metric AROW SHBI Banks Regional median
P/E 12.46 10.93 12.02
P/S 2.54 2.15 2.36
P/B 1.42 1.21 1.23
Price to free cash flow 13.30 9.31 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.02% 9.15% 8.21%
Free cash flow yield 7.52% 10.74% 9.23%

Profitability

Metric AROW SHBI Banks Regional median
Gross margin 70.23% 69.87% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.56% 19.69% 18.82%
Free cash flow margin 19.12% 23.08% 17.97%
Return on equity 12.00% 11.47% 10.28%
Return on assets 1.15% 1.08% 1.13%
Return on invested capital 14.20% 22.41% 8.45%

Growth

Metric AROW SHBI Banks Regional median
Revenue growth (TTM) 8.43% 2.75% 6.37%
EPS growth (last fiscal year) 49.72% 34.85% 18.85%
Revenue growth, 5-year CAGR 10.91% 37.23% 12.65%
Net income growth, 5-year CAGR 1.49% 30.49% 9.81%

Health

Metric AROW SHBI Banks Regional median
Debt to equity 0.06 0.14 0.17
Current ratio 0.92 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AROW SHBI Banks Regional median
Dividend yield 3.08% 2.32% 2.49%
Payout ratio 0.38 0.25 0.29

Size

Metric AROW SHBI Banks Regional median
Market cap 715.64m 744.76m 934.85m

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