Arrow Financial Valuation
| AROW Stock | USD 26.14 0.29 1.10% |
At this time, the firm appears to be overvalued. Arrow Financial shows a prevailing Real Value of $22.46 per share. The current price of the firm is $26.14. Our model approximates the value of Arrow Financial from analyzing the firm fundamentals such as Return On Equity of 0.0875, profit margin of 0.24 %, and Current Valuation of 358.15 M as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Arrow Financial's valuation include:
Price Book 1.1021 | Enterprise Value | Price Sales 3.282 | Trailing PE 17.3866 | Enterprise Value Revenue 3.4008 |
Overvalued
Today
Please note that Arrow Financial's price fluctuation is very steady at this time. Calculation of the real value of Arrow Financial is based on 3 months time horizon. Increasing Arrow Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Arrow stock is determined by what a typical buyer is willing to pay for full or partial control of Arrow Financial. Since Arrow Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Arrow Stock. However, Arrow Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 26.14 | Real 22.46 | Target 31.5 | Hype 26.43 | Naive 26.63 |
The intrinsic value of Arrow Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Arrow Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Arrow Financial helps investors to forecast how Arrow stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Arrow Financial more accurately as focusing exclusively on Arrow Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Arrow Financial's intrinsic value based on its ongoing forecasts of Arrow Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Arrow Financial's closest peers.
Arrow Financial Cash |
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Arrow Valuation Trend
Analysing the historical paterns of Arrow Financial's enterprise value and its market capitalization is a good way to estimate and gauge the value of Arrow Financial over time and is usually enough for investors to make rational market timing decisions.
Arrow Revenue by Product
Arrow Financial Total Value Analysis
Arrow Financial is presently estimated to have valuation of 358.15 M with market capitalization of 571.29 M, debt of 33.6 M, and cash on hands of 224.22 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Arrow Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
358.15 M | 571.29 M | 33.6 M | 224.22 M |
Arrow Financial Investor Information
About 50.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.1. Some equities with similar Price to Book (P/B) outperform the market in the long run. Arrow Financial has Price/Earnings To Growth (PEG) ratio of 2.41. The entity last dividend was issued on the 15th of October 2024. The firm had 103:100 split on the 16th of September 2022. Arrow Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.0189 | 0.0199 |
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| Total Cash From Operating Activities | 33.7 M | 34.5 M |
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| Operating Income | 2.6 M | 2.8 M |
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Arrow Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Arrow indicates not a very effective usage of assets in March.Arrow Financial Ownership Allocation
Arrow Financial holds a total of 16.74 Million outstanding shares. 30% of Arrow Financial outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.Arrow Financial Profitability Analysis
The company reported the previous year's revenue of 194.99 M. Net Income was 29.71 M with profit before overhead, payroll, taxes, and interest of 144.44 M.Arrow Financial Past Distributions to stockholders
About Arrow Financial Valuation
Our relative valuation model uses a comparative analysis of Arrow Financial. We calculate exposure to Arrow Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Arrow Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 195 M | 204.7 M | |
| Pretax Profit Margin | 0.27 | 0.27 | |
| Operating Profit Margin | 0.02 | 0.02 | |
| Net Profit Margin | 0.21 | 0.19 | |
| Gross Profit Margin | 1.39 | 0.94 |
Arrow Financial Quarterly Retained Earnings |
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A single share of Arrow Financial represents a small ownership stake in the entity. As a stockholder of Arrow, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Arrow Financial Dividends Analysis For Valuation
Dividends Paid is likely to drop to about 10.9 M in 2025. Dividend Yield is likely to drop to 0.03 in 2025. Retained Earnings is likely to climb to about 81.1 M in 2025, whereas Retained Earnings Total Equity is likely to drop slightly above 35.5 M in 2025.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 18.3 M | 10.9 M | |
| Dividend Yield | 0.04 | 0.03 | |
| Dividend Payout Ratio | 0.62 | 0.34 | |
| Dividend Paid And Capex Coverage Ratio | 0.11 | 0.11 |
There are various types of dividends Arrow Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Arrow shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Arrow Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Arrow pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Arrow Financial by the value of the dividends paid out.
Arrow Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Arrow Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 16.7 M | |
| Quarterly Earnings Growth Y O Y | 0.167 |
Arrow Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of Arrow Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Arrow we look at many different elements of the entity such as Arrow's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Arrow Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Arrow Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Arrow Financial's worth.Additional Tools for Arrow Stock Analysis
When running Arrow Financial's price analysis, check to measure Arrow Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Arrow Financial is operating at the current time. Most of Arrow Financial's value examination focuses on studying past and present price action to predict the probability of Arrow Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Arrow Financial's price. Additionally, you may evaluate how the addition of Arrow Financial to your portfolios can decrease your overall portfolio volatility.