AROW:NSD-Arrow Financial Corporation (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 35.90

Change

0.00 (0.00)%

Market Cap

USD 0.58B

Volume

0.02M

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

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. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York. Address: 250 Glen Street, Glens Falls, NY, United States, 12801

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2021-10-16 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

N/A

USD40.50B 19.72 N/A
FITB Fifth Third Bancorp

N/A

USD30.05B 12.72 N/A
HBANN Huntington Bancshares Incorpor..

N/A

USD27.35B 27.10 N/A
HBAN Huntington Bancshares Incorpor..

N/A

USD23.82B 17.42 N/A
FITBI Fifth Third Bancorp

N/A

USD19.56B 8.15 N/A
SBNY Signature Bank

N/A

USD17.66B 24.07 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation National ..

N/A

USD10.07B 9.33 N/A
CBSH Commerce Bancshares Inc

N/A

USD8.32B 15.28 N/A
FCNCA First Citizens BancShares Inc

N/A

USD8.28B 14.92 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 20.03% 40% F 68% D+
Dividend Return 2.61% 54% F 63% D
Total Return 22.63% 41% F 69% D+
Trailing 12 Months  
Capital Gain 32.86% 28% F 59% F
Dividend Return 3.85% 49% F 63% D
Total Return 36.71% 29% F 61% D-
Trailing 5 Years  
Capital Gain 18.80% 30% F 40% F
Dividend Return 16.69% 56% F 67% D+
Total Return 35.49% 32% F 42% F
Average Annual (5 Year Horizon)  
Capital Gain 2.09% 34% F 32% F
Dividend Return 3.09% 74% C 74% C
Total Return 5.19% 37% F 35% F
Risk Return Profile  
Volatility (Standard Deviation) 17.33% 88% B+ 81% B-
Risk Adjusted Return 29.94% 63% D 44% F
Market Capitalization 0.58B 60% D- 56% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-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 11.48 54% F 67% D+
Price/Book Ratio 1.63 15% F 68% D+
Price / Cash Flow Ratio 13.61 44% F 30% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 14.94% 85% B 80% B-
Return on Invested Capital -1.88% 6% F 44% F
Return on Assets 1.35% 70% C- 58% F
Debt to Equity Ratio 5.98% 91% A- 77% C+
Technical Ratios  
Short Ratio 3.84 41% F 40% F
Short Percent 0.72% 60% D- 81% B-
Beta 0.70 73% C 78% C+
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 Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

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 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:
Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

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.