Arrow Financial Corporation (AROW): Price and Financial Metrics

AROW POWR Grades

• AROW scores best on the Stability dimension, with a Stability rank ahead of 98.24% of US stocks.
• The strongest trend for AROW is in Stability, which has been heading up over the past 47 weeks.
• AROW ranks lowest in Value; there it ranks in the 33rd percentile.

AROW Stock Summary

• AROW's went public 35.73 years ago, making it older than 92.65% of listed US stocks we're tracking.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 11.26 for Arrow Financial Corp; that's greater than it is for 93.68% of US stocks.
• With a year-over-year growth in debt of -40.34%, Arrow Financial Corp's debt growth rate surpasses just 12.78% of about US stocks.
• Stocks that are quantitatively similar to AROW, based on their financial statements, market capitalization, and price volatility, are CCBG, SMBK, RRBI, CVLY, and SBFG.
• Visit AROW's SEC page to see the company's official filings. To visit the company's web site, go to www.arrowfinancial.com.

AROW Valuation Summary

• In comparison to the median Financial Services stock, AROW's price/earnings ratio is 0% higher, now standing at 11.
• AROW's price/sales ratio has moved down 0.1 over the prior 243 months.
• Over the past 243 months, AROW's EV/EBIT ratio has gone down 13.6.

Below are key valuation metrics over time for AROW.

AROW Growth Metrics

• Its 3 year price growth rate is now at 30.23%.
• Its year over year net income to common stockholders growth rate is now at 24.72%.
• The 5 year net income to common stockholders growth rate now stands at 50.72%.

AROW's revenue has moved up $39,315,000 over the prior 52 months.

The table below shows AROW's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-06-30	137.633	66.551	50.1
2021-03-31	130.024	49.307	45.98
2020-12-31	122.541	42.314	40.827
2020-09-30	117.585	38.783	38.072
2020-06-30	115.735	38.709	37.093
2020-03-31	114.917	46.339	36.868

AROW's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• AROW has a Quality Grade of C, ranking ahead of 38.9% of graded US stocks.
• AROW's asset turnover comes in at 0.036 -- ranking 263rd of 437 Banking stocks.
• SNV, PACW, and WTFC are the stocks whose asset turnover ratios are most correlated with AROW.

The table below shows AROW's key quality metrics over time.