Arrow Financial Corp

Visual Financials
Company Name: Arrow Financial Corp
Ticker Symbol: AROW
CIK Number: 0000717538
WWW Address: http://www.arrowfinancial.com
CEO: Mr. Thomas J. Murphy
No. of Employees: 524
Common Issue Type: CS
Business Description:Arrow Financial Corporation is a bank holding company, which offers an array of commercial and consumer banking and financial products.

 
Industry Information: BANKING - Regional - Northeast Banks [more like this]
 Price  Day Change  Bid  Ask  Open  High  Low  Volume 
 32.9 Unchanged 0.0 30.74 33.39  33.02 32.60 -
 Market Cap (mil) Shares Outstanding (mil) Beta EPS DPS P/E Yield 52-Wks-Range
 476.5 14.5 0.00 2.52 1.04 13.1 3.0 40.15 - 30.45
KEY FIGURES (Latest Twelve Months - LTM)
Yesterday's Close32.90$
PE Ratio - LTM13.1
Market Capitalisation476.5mil
Latest Shares Outstanding14.5mil
Earnings pS (EPS)2.52$
Dividend pS (DPS)1.04¢
Dividend Yield3.0%
Dividend Payout Ratio%
Revenue per Employee201,415$
Effective Tax Rate30.3%
Float14.0mil
Float as % of Shares Outstanding1.0%
Foreign Sales-
Domestic Sales-
Selling, General & Adm/tive (SG&A) as % of Revenue-
Research & Devlopment (R&D) as % of Revenue-
Gross Profit Margin-
EBITDA Margin0.0%
Pre-Tax Profit Margin0.0%
Assets Turnover3.9%
Return on Assets (ROA)1.3%
Return on Equity (ROE)14.0%
Return on Capital Invested (ROCI)0.0%
Current Ratio-
Leverage Ratio (Assets/Equity)11.1
Interest Cover
Total Debt/Equity (Gearing Ratio)1.11
LT Debt/Total Capital19.0%
Working Capital pS-
Cash pS-
Book-Value pS19.10$
Tangible Book-Value pS16.97$
Cash Flow pS2.79$
Free Cash Flow pS2.33$
KEY FIGURES (LTM): Price info
Price/Book Ratio1.77
Price/Tangible Book Ratio0.00
Price/Cash Flow12.1
Price/Free Cash Flow14.5
P/E as % of Industry Group446.0%
P/E as % of Sector Segment80.0%
 
Balance Sheet (at a glance) in Millions
DIVIDEND INFO
Type of PaymentCash & Stock Payment
Dividend Rate1.04
Current Dividend Yield3.0
5-Y Average Dividend Yield4.0
Payout Ratio0.0
5-Y Average Payout Ratio51.0
Share price performance previous 3 years

Share price performance intraday

 
PRICE/VOLUMEHighLowClose% Price Chg% Price Chg vs. Mkt.Avg. Daily VolTotal Vol
1 Week---2.315,24258,548
4 Weeks34.1431.8933.81-2.712,849244,142
13 Weeks35.0031.5833.37-1.412,872810,950
26 Weeks36.2530.4533.93-3.015,8611,966,773
52 Weeks40.1530.4537.50-12.314,3683,592,080
YTD36.2530.46-0.514,5941,576,223
Moving Average5-Days10-Days10-Weeks30-Weeks200-DaysBeta (60-Mnth)Beta (36-Mnth)
32.6832.9233.5533.6134.600.000.00
 
GROWTH RATES5-Year
Growh
R² of 5-Year Growth3-Year
Growth
Revenue0.060.20.06
Income0.110.40.14
Dividend0.030.20.03
Capital Spending0.03NA0.13
R&D0.00NA0.00
Normalized Inc.0.00NA0.00
 
CHANGESYTD vs.
Last YTD
Curr Qtr vs.
Qtr 1-Yr ago
Annual vs.
Last Annual
Revenue %-5.4-5.4-6.1
Earnings %0.00.00.0
EPS %-2.5-2.50.9
EPS $-0.01-0.010.02
 
SOLVENCY RATIOS
SHORT-TERM SOLVENCY RATIOS (LIQUIDITY)
Free Cash Flow Margin-18.30
Free Cash Flow Margin 5YEAR AVG-17.71
Cash-Flow pS0.00
Free Cash-Flow pS1.13
FINANCIAL STRUCTURE RATIOS
Financial Leverage Ratio (Assets/Equity)11.08
Debt Ratio0.00
Total Debt/Equity (Gearing Ratio)1.11
LT Debt/Equity0.24
LT Debt/Capital Invested19.43
LT Debt/Total Liabilities0.00
 
VALUATION RATIOS
MULTIPLES
PQ Ratio1.21
Tobin's Q Ratio0.17
Current P/E Ratio - LTM13.10
Enterprise Value (EV)/EBITDA0.00
Enterprise Value (EV)/Free Cash Flow42.72
Dividend Yield3.0
Price/Tangible Book Ratio - LTM0.00
Price/Book Ratio - LTM1.77
Price/Cash Flow Ratio12.1
Price/Free Cash Flow Ratio - LTM14.5
P/E Ratio (1 month ago) - LTM13.3
P/E Ratio (26 weeks ago) - LTM13.2
P/E Ratio (52 weeks ago) - LTM12.9
5-Y High P/E Ratio15.7
5-Y Low P/E Ratio8.9
5-Y Average P/E Ratio13.2
Current P/E Ratio as % of 5-Y Average P/E10
P/E as % of Industry Group446.0
P/E as % of Sector Segment80.0
Current 12 Month Normalized P/E Ratio - LTM13.5
PER SHARE FIGURES
Tangible Book Value pS - LTM16.97
Book Value pS - LTM19.10
Capital Invested pS23.10
Cash Flow pS - LTM2.79
Free Cash Flow pS - LTM2.33
Earnings pS (EPS)2.52
 
OPERATING RATIOS
PROFITABILITY
Return on Equity (ROE)13.46
Return on Equity (ROE) - 5YEAR AVRG.0.1
Return on Capital Invested (ROCI)6.38
Return on Capital Invested (ROCI) - 5YEAR AVRG.
Return on Assets (ROA)1.21
Return on Assets (ROA) - 5YEAR AVRG.0.0
EBIT Margin - LTM0.0
EBITDA Margin - LTM0.0
Pre-Tax Profit Margin163.61
Pre-Tax Profit Margin - 5YEAR AVRG.160.26
Net Profit Margin43.18
Net Profit Margin - 5YEAR AVRG.38.73
Effective Tax Rate6.57
Effective Tax Rate - 5YEAR AVRG.9.10
EFFICIENCY RATIOS
Revenue per Employee - LTM198,645
Net Income per Employee - LTM57,119
Assets/Revenue - LTM0.00
Assets/Revenue - 5YEAR AVRG.3,618.50



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