AROW Valuation

Arrow Financial Corp

Add to Watchlist

Advanced Chart

29.800

+0.91(3.150%)1D

Overview
Forecast
Valuation
Earnings

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 10.07 is considered Fairly compared with the five-year average of 11.31. The fair price of Arrow Financial Corp (AROW) is between 29.18 to 37.44 according to relative valuation methord.

Relative Value

Fair Zone

29.18-37.44

Current Price：29.80

Fair

10.07

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.

2.83

Arrow Financial Corp. (AROW) has a current PS of 2.83. The 5-year average PS is 3.05. The thresholds are as follows: Strongly Undervalued below 1.10, Undervalued between 1.10 and 2.07, Fairly Valued between 4.02 and 2.07, Overvalued between 4.02 and 4.99, and Strongly Overvalued above 4.99. The current Forward PS of 2.83 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 1.17. Compared to its 3-year average P/B ratio of 1.17 , the current P/B ratio is approximately -0.32% higher. Relative to its 5-year average P/B ratio of 1.31, the current P/B ratio is about -10.69% higher. Arrow Financial Corp (AROW) has a Forward Free Cash Flow (FCF) yield of approximately 6.18%. Compared to its 3-year average FCF yield of 6.56%, the current FCF yield is approximately -5.71% lower. Relative to its 5-year average FCF yield of 7.76% , the current FCF yield is about -20.28% lower.

1.17

P/B

Median3y

1.17

Median5y

1.31

6.18

FCF Yield

Median3y

6.56

Median5y

7.76

Competitors Valuation Multiple

The average P/S ratio for AROW's competitors is 2.56, providing a benchmark for relative valuation. Arrow Financial Corp Corp (AROW) exhibits a P/S ratio of 2.83, which is 10.42% above the industry average. Given its robust revenue growth of 16.65%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Farmers National Banc Corp

Blue Ridge Bankshares Inc

Alerus Financial Corp

Performance Decomposition

Market capitalization of AROW increased by 2.85% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 34.03M to 39.70M.

The secondary factor is the Margin Expansion, contributed 7.67%to the performance.

Overall, the performance of AROW in the past 1 year is driven by Revenue Growth. Which is more sustainable.

16.65%

34.03M → 39.70M

Revenue Growth

7.67%

25.28 → 27.22

Margin Expansion

-21.47%

20.12 → 15.80

P/E Change

2.85%