AROW:NSD-Arrow Financial Corporation (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 30.51

Change

-0.43 (-1.39)%

Market Cap

USD 0.48B

Volume

0.02M

Average Target Price

USD 28.00 (-8.23%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and improvements to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses. In addition, it maintains an indirect lending program; and sells residential real estate loan originations into the secondary market. Further, the company provides retirement planning, trust, and estate administration services for individuals; and pension, profit-sharing, and employee benefit plan administration services for corporations. Additionally, it offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. The company operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, as well as surrounding areas. It owns twenty-seven branch banking offices; and leases thirteen branch banking offices, as well as two residential loan origination offices. The company was founded in 1851 and is headquartered in Glens Falls, New York.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-01-26 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

+0.05 (+0.19%)

USD28.09B 37.35 N/A
SIVB SVB Financial Group

+1.36 (+0.28%)

USD24.91B 20.99 N/A
FITB Fifth Third Bancorp

-0.65 (-2.14%)

USD21.67B 16.61 N/A
FITBI Fifth Third Bancorp

-0.17 (-0.59%)

USD20.03B 15.65 N/A
HBAN Huntington Bancshares Incorpor..

+0.04 (+0.30%)

USD13.71B 19.54 N/A
HBANO Huntington Bancshares Incorpor..

-0.01 (-0.04%)

USD13.16B 36.74 N/A
SBNY Signature Bank

+0.08 (+0.05%)

USD8.79B 16.48 N/A
CBSH Commerce Bancshares, Inc

+1.41 (+2.06%)

USD8.04B 23.58 N/A
ZION Zions Bancorporation, National..

-1.16 (-2.46%)

USD7.75B 15.63 N/A
PBCTP People's United Financial, Inc

+0.39 (+1.39%)

USD6.81B 21.25 N/A

ETFs Containing AROW

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 2.01% 37% F 34% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 2.01% 38% F 34% F
Trailing 12 Months  
Capital Gain -14.82% 38% F 20% F
Dividend Return 2.90% 63% D 66% D
Total Return -11.92% 40% F 21% F
Trailing 5 Years  
Capital Gain 26.38% 46% F 42% F
Dividend Return 20.50% 75% C 73% C
Total Return 46.88% 53% F 45% F
Average Annual (5 Year Horizon)  
Capital Gain 1.17% 52% F 44% F
Dividend Return 3.07% 79% C+ 74% C
Total Return 4.24% 55% F 47% F
Risk Return Profile  
Volatility (Standard Deviation) 15.85% 79% C+ 77% C+
Risk Adjusted Return 26.73% 67% D+ 52% F
Market Capitalization 0.48B 59% F 51% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 12.59 57% F 66% D
Price/Book Ratio 1.49 12% F 71% C-
Price / Cash Flow Ratio 10.91 43% F 34% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 12.32% 86% B 83% B
Return on Invested Capital 7.68% 68% D+ 72% C-
Return on Assets 1.11% 73% C 60% D-
Debt to Equity Ratio 6.63% 87% B+ 79% C+
Technical Ratios  
Short Ratio 3.85 54% F 35% F
Short Percent 0.69% 80% B- 86% B
Beta 0.63 79% C+ 81% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.