Stock Scorecard
Stock Summary for Arrow Financial Corp (AROW) - $32.39 as of 11/20/2024 6:03:15 PM EST
Total Score
14 out of 30
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for AROW
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for AROW
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for AROW
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for AROW
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for AROW (53 out of 90)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 8 |
Latest News for for AROW
Financial Details for AROW
Company Overview |
|
|---|---|
| Ticker | AROW |
| Company Name | Arrow Financial Corp |
| Country | USA |
| Description | Arrow Financial Corporation, a banking holding company, offers consumer and commercial banking and financial products and services. The company is headquartered in Glens Falls, New York. |
| Sector Name | FINANCE |
| Industry Name | NATIONAL COMMERCIAL BANKS |
| Most Recent Quarter | 9/30/2024 |
| Next Earnings Date | 1/30/2025 |
Stock Price History |
|
| Last Day Price | 32.39 |
| Price 4 Years Ago | 23.48 |
| Last Day Price Updated | 11/20/2024 6:03:15 PM EST |
| Last Day Volume | 29,193 |
| Average Daily Volume | 41,207 |
| 52-Week High | 34.63 |
| 52-Week Low | 20.85 |
| Last Price to 52 Week Low | 55.35% |
Valuation Measures |
|
| Trailing PE | 17.39 |
| Industry PE | 18.95 |
| Sector PE | 21.40 |
| 5-Year Average PE | 12.33 |
| Free Cash Flow Ratio | 1.57 |
| Industry Free Cash Flow Ratio | 3.69 |
| Sector Free Cash Flow Ratio | 11.50 |
| Current Ratio Most Recent Quarter | 0.47 |
| Total Cash Per Share | 20.62 |
| Book Value Per Share Most Recent Quarter | 23.50 |
| Price to Book Ratio | 1.39 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.00 |
| Price to Sales Ratio Twelve Trailing Months | 4.01 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.27 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.50 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 16,739,000 |
| Market Capitalization | 542,176,210 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 10/15/2024 |
| Last Dividend Amount | 0.27 |
| Current Dividend Amount | 0.28 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.36 |
| Trailing Annual Dividend Yield | 4.20% |
| Forward Annual Dividend Rate | 1.41 |
| Forward Annual Dividend Yield | 4.37% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 3.26% |
| 5-Year Average Dividend Yield | 3.18% |
| 1-Year Dividend Growth Rate Percentage | 3.00% |
| 3-Year Dividend Growth Rate Percentage | 4.96% |
| 5-Year Dividend Growth Rate Percentage | 3.98% |
| All-Time Dividend Growth Rate Percentage | 7.00% |
| Dividend Payout Ratio | 70.10% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 16.70% |
| Annual Earnings Growth | -38.37% |
| Reported EPS 12 Trailing Months | 1.94 |
| Reported EPS Past Year | 1.50 |
| Reported EPS Prior Year | 1.94 |
| Net Income Twelve Trailing Months | 32,962,000 |
| Net Income Past Year | 30,075,000 |
| Net Income Prior Year | 48,799,000 |
| Quarterly Revenue Growth YOY | 7.80% |
| 5-Year Revenue Growth | 3.13% |
| Operating Margin Twelve Trailing Months | 0.34 |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 345,177,000 |
| Total Cash Past Year | 144,461,000 |
| Total Cash Prior Year | 66,834,000 |
| Net Cash Position Most Recent Quarter | 325,177,000 |
| Net Cash Position Past Year | 117,961,000 |
| Long Term Debt Past Year | 26,500,000 |
| Long Term Debt Prior Year | 27,800,000 |
| Total Debt Most Recent Quarter | 20,000,000 |
| Equity to Debt Ratio Past Year | 0.93 |
| Equity to Debt Ratio Most Recent Quarter | 0.95 |
| Total Stockholder Equity Past Year | 379,772,000 |
| Total Stockholder Equity Prior Year | 353,538,000 |
| Total Stockholder Equity Most Recent Quarter | 393,311,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 7,834,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 0.47 |
| Free Cash Flow Past Year | 13,499,000 |
| Free Cash Flow Prior Year | 45,463,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 1.18 |
| MACD Signal | 1.12 |
| 20-Day Bollinger Lower Band | 25.68 |
| 20-Day Bollinger Middle Band | 29.37 |
| 20-Day Bollinger Upper Band | 33.06 |
| Beta | 0.72 |
| RSI | 58.40 |
| 50-Day SMA | 25.23 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 26.00 |
System |
|
| Modified | 11/20/2024 6:03:22 PM EST |