AROW Relative Valuation
AROW's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, AROW is overvalued; if below, it's undervalued.
Historical Valuation
Arrow Financial Corp (AROW) is now in the Fair zone, suggesting that its current forward PE ratio of 9.42 is considered Fairly compared with the five-year average of 11.23. The fair price of Arrow Financial Corp (AROW) is between 30.33 to 39.80 according to relative valuation methord.
Relative Value
Fair Zone
30.33-39.80
Current Price：30.98
Fair
9.34
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Arrow Financial Corp. (AROW) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Arrow Financial Corp. (AROW) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
2.88
PS
Arrow Financial Corp. (AROW) has a current PS of 2.88. The 5-year average PS is 3.03. The thresholds are as follows: Strongly Undervalued below 1.08, Undervalued between 1.08 and 2.05, Fairly Valued between 4.00 and 2.05, Overvalued between 4.00 and 4.98, and Strongly Overvalued above 4.98. The current Forward PS of 2.88 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Arrow Financial Corp. (AROW) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Arrow Financial Corp. (AROW) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Arrow Financial Corp (AROW) has a current Price-to-Book (P/B) ratio of 1.23. Compared to its 3-year average P/B ratio of 1.14 , the current P/B ratio is approximately 7.74% higher. Relative to its 5-year average P/B ratio of 1.30, the current P/B ratio is about -5.36% higher. Arrow Financial Corp (AROW) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 6.45%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 7.73% , the current FCF yield is about -100.00% lower.
1.22
P/B
Median3y
1.14
Median5y
1.30
6.92
FCF Yield
Median3y
6.45
Median5y
7.73
Competitors Valuation Multiple
The average P/S ratio for AROW's competitors is 0.00, providing a benchmark for relative valuation. Arrow Financial Corp Corp (AROW) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 17.54%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of AROW increased by 8.83% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 24.98 to 30.37.
The secondary factor is the Revenue Growth, contributed 17.54%to the performance.
Overall, the performance of AROW in the past 1 year is driven by Margin Expansion. Which is more sustainable.
People Also Watch
FAQ
Is Arrow Financial Corp (AROW) currently overvalued or undervalued?
What is Arrow Financial Corp (AROW) fair value?
How does AROW's valuation metrics compare to the industry average?
What is the current P/B ratio for Arrow Financial Corp (AROW) as of Dec 05 2025?
What is the current FCF Yield for Arrow Financial Corp (AROW) as of Dec 05 2025?
What is the current Forward P/E ratio for Arrow Financial Corp (AROW) as of Dec 05 2025?