Is Arrow Financial Stock a Good Investment?
Arrow Financial Investment Advice | AROW |
- Examine Arrow Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Arrow Financial's leadership team and their track record. Good management can help Arrow Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Arrow Financial's business and its evolving consumer preferences.
- Compare Arrow Financial's performance and market position to its competitors. Analyze how Arrow Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Arrow Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Arrow Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Arrow Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Arrow Financial is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Modest | Details | |
Volatility | Very steady | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Small | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Arrow Financial Stock
Researching Arrow Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 47.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.96. 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 10th of May 2024. The firm had 103:100 split on the 16th of September 2022.
To determine if Arrow Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Arrow Financial's research are outlined below:
| Arrow Financial is unlikely to experience financial distress in the next 2 years | |
| On 24th of May 2024 Arrow Financial paid $ 0.27 per share dividend to its current shareholders | |
| Latest headline from news.google.com: Arrow Financial Earnings Likely To Jump Thanks To Loan Growth And Margin Expansion - Seeking Alpha |
Arrow Financial Quarterly Gross Profit |
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Arrow Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Arrow Financial. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Arrow Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 29th of January 2024 Upcoming Quarterly Report | View | |
| 22nd of July 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 29th of January 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Arrow Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Arrow Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2000-01-18 | 1999-12-31 | 0.18 | 0.2 | 0.02 | 11 | ||
1997-10-16 | 1997-09-30 | 0.14 | 0.16 | 0.02 | 14 | ||
1995-04-13 | 1995-03-31 | 0.11 | 0.13 | 0.02 | 18 | ||
2006-04-24 | 2006-03-31 | 0.29 | 0.26 | -0.03 | 10 | ||
1994-10-13 | 1994-09-30 | 0.16 | 0.19 | 0.03 | 18 | ||
2016-01-21 | 2015-12-31 | 0.39 | 0.43 | 0.04 | 10 | ||
2014-01-21 | 2013-12-31 | 0.34 | 0.38 | 0.04 | 11 | ||
2013-04-19 | 2013-03-31 | 0.36 | 0.32 | -0.04 | 11 |
Know Arrow Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Arrow Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Arrow Financial backward and forwards among themselves. Arrow Financial's institutional investor refers to the entity that pools money to purchase Arrow Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Charles Schwab Investment Management Inc | 2024-03-31 | 130.4 K | Ing Investment Management Llc | 2023-12-31 | 130 K | Bank Of New York Mellon Corp | 2023-12-31 | 118.1 K | Rockefeller Capital Management L.p. | 2024-03-31 | 115.9 K | Hotchkis & Wiley Capital Management Llc | 2024-03-31 | 109.3 K | Goldman Sachs Group Inc | 2023-12-31 | 73.3 K | Ubs Group Ag | 2023-12-31 | 68.7 K | Nuveen Asset Management, Llc | 2023-12-31 | 58.2 K | Johnson Investment Counsel Inc | 2024-03-31 | 39.9 K | Arrow Financial Corp(junk) | 2024-03-31 | 1.8 M | Blackrock Inc | 2023-12-31 | 1.3 M |
Arrow Financial's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 426.14 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Arrow Financial's market, we take the total number of its shares issued and multiply it by Arrow Financial's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities.Market Cap |
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Arrow Financial's profitablity analysis
Arrow Financial's profitability indicators refer to fundamental financial ratios that showcase Arrow Financial's ability to generate income relative to its revenue or operating costs. If, let's say, Arrow Financial is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Arrow Financial's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Arrow Financial's profitability requires more research than a typical breakdown of Arrow Financial's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.05 | 0.06 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.08 | 0.1 |
Determining Arrow Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Arrow Financial is a good buy. For example, gross profit margin measures Arrow Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Arrow Financial's profitability and make more informed investment decisions.
The data published in Arrow Financial's official financial statements usually reflect Arrow Financial's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Arrow Financial. For example, before you start analyzing numbers published by Arrow accountants, it's critical to develop an understanding of what Arrow Financial's liquidity, profitability, and earnings quality are in the context of the Banks space in which it operates.
Please note, the presentation of Arrow Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Arrow Financial's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Arrow Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Arrow Financial. Please utilize our Beneish M Score to check the likelihood of Arrow Financial's management manipulating its earnings.
Evaluate Arrow Financial's management efficiency
Return On Tangible Assets is likely to climb to 0.01 in 2024. Return On Capital Employed is likely to climb to 0.06 in 2024. At this time, Arrow Financial's Total Assets are fairly stable compared to the past year. Total Current Assets is likely to climb to about 883.6 M in 2024, despite the fact that Non Currrent Assets Other are likely to grow to (715.6 M). Arrow Financial's management efficiency ratios could be used to measure how well Arrow Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 22.29 | 23.41 | |
| Net Current Asset Value | 0.00 | 0.00 | |
| Tangible Asset Value | 0.00 | 0.00 | |
| Tangible Book Value Per Share | 20.94 | 16.83 | |
| Enterprise Value Over EBITDA | 160.11 | 168.12 | |
| Price Book Value Ratio | 1.25 | 2.02 | |
| Enterprise Value Multiple | 160.11 | 168.12 | |
| Price Fair Value | 1.25 | 2.02 | |
| Enterprise Value | 517.5 M | 262.1 M |
The analysis of Arrow Financial's management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze Arrow Financial's future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of Arrow Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.
Dividend Yield 0.044 | Forward Dividend Yield 0.044 | Forward Dividend Rate 1.08 | Beta 0.715 |
Basic technical analysis of Arrow Stock
As of the 30th of May, Arrow Financial shows the Risk Adjusted Performance of 0.0369, downside deviation of 1.72, and Mean Deviation of 1.29. Arrow Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Put another way, you can use this information to find out if the firm will indeed mirror its model of historical prices and volume momentum, or the prices will eventually revert. We were able to break down and interpolate data for nineteen technical drivers for Arrow Financial, which can be compared to its peers. Please confirm Arrow Financial standard deviation, value at risk, as well as the relationship between the Value At Risk and kurtosis to decide if Arrow Financial is priced correctly, providing market reflects its regular price of 25.17 per share. Given that Arrow Financial has jensen alpha of 0.0491, we suggest you to validate Arrow Financial's prevailing market performance to make sure the company can sustain itself at a future point.Arrow Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Arrow Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Arrow Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Arrow Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
David Kaiser a day ago Acquisition by David Kaiser of 2056 shares of Arrow Financial subject to Rule 16b-3 | ||
William Owens over a month ago Acquisition by William Owens of 564 shares of Arrow Financial at 22. subject to Rule 16b-3 | ||
Gary Dake over a month ago Acquisition by Gary Dake of 2000 shares of Arrow Financial at 23.73 subject to Rule 16b-3 | ||
Andrew Wise over three months ago Purchase by Andrew Wise of 1000 shares of Arrow Financial | ||
Andrew Wise over six months ago Purchase by Andrew Wise of 1000 shares of Arrow Financial |
Understand Arrow Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Arrow Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0369 | |||
| Market Risk Adjusted Performance | 0.0737 | |||
| Mean Deviation | 1.29 | |||
| Semi Deviation | 1.63 | |||
| Downside Deviation | 1.72 | |||
| Coefficient Of Variation | 1939.64 | |||
| Standard Deviation | 1.76 | |||
| Variance | 3.1 | |||
| Information Ratio | 0.0317 | |||
| Jensen Alpha | 0.0491 | |||
| Total Risk Alpha | 0.0059 | |||
| Sortino Ratio | 0.0325 | |||
| Treynor Ratio | 0.0637 | |||
| Maximum Drawdown | 7.27 | |||
| Value At Risk | (2.55) | |||
| Potential Upside | 3.03 | |||
| Downside Variance | 2.95 | |||
| Semi Variance | 2.67 | |||
| Expected Short fall | (1.38) | |||
| Skewness | 0.1411 | |||
| Kurtosis | 0.6405 |
| Risk Adjusted Performance | 0.0369 | |||
| Market Risk Adjusted Performance | 0.0737 | |||
| Mean Deviation | 1.29 | |||
| Semi Deviation | 1.63 | |||
| Downside Deviation | 1.72 | |||
| Coefficient Of Variation | 1939.64 | |||
| Standard Deviation | 1.76 | |||
| Variance | 3.1 | |||
| Information Ratio | 0.0317 | |||
| Jensen Alpha | 0.0491 | |||
| Total Risk Alpha | 0.0059 | |||
| Sortino Ratio | 0.0325 | |||
| Treynor Ratio | 0.0637 | |||
| Maximum Drawdown | 7.27 | |||
| Value At Risk | (2.55) | |||
| Potential Upside | 3.03 | |||
| Downside Variance | 2.95 | |||
| Semi Variance | 2.67 | |||
| Expected Short fall | (1.38) | |||
| Skewness | 0.1411 | |||
| Kurtosis | 0.6405 |
Consider Arrow Financial's intraday indicators
Arrow Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Arrow Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Arrow Financial Corporate Filings
| 28th of May 2024 Other Reports | ViewVerify | |
| 21st of May 2024 Other Reports | ViewVerify | |
10Q | 10th of May 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
8K | 30th of April 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
Arrow Stock media impact
Far too much social signal, news, headlines, and media speculation about Arrow Financial that are available to investors today. That information is available publicly through Arrow media outlets and privately through word of mouth or via Arrow internal channels. However, regardless of the origin, that massive amount of Arrow data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Arrow Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Arrow Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Arrow Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Arrow Financial alpha.
Arrow Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Arrow Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Be your own money manager
Our tools can tell you how much better you can do entering a position in Arrow Financial without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.Did you try this?
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Arrow Financial Corporate Management
Elected by the shareholders, the Arrow Financial's board of directors comprises two types of representatives: Arrow Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Arrow. The board's role is to monitor Arrow Financial's management team and ensure that shareholders' interests are well served. Arrow Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Arrow Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Thomas CPA | CEO and President | Profile | |
| Marc Yrsha | Senior Officer | Profile | |
| Michael Jacobs | Executive Officer | Profile | |
| Brooke Pancoe | Senior Officer | Profile | |
| Annette Reitano | Senior Falls | Profile |
How to buy Arrow Stock?
To provide specific investment advice or recommendations on Arrow Financial stock, we recommend investors consider the following general factors when evaluating Arrow Financial. This will help you to make an informed decision on whether to include Arrow Financial in one of your diversified portfolios:- Examine Arrow Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Arrow Financial's leadership team and their track record. Good management can help Arrow Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Arrow Financial's business and its evolving consumer preferences.
- Compare Arrow Financial's performance and market position to its competitors. Analyze how Arrow Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Arrow Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Arrow Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Arrow Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Arrow Financial is a good investment.
Already Invested in Arrow Financial?
The danger of trading Arrow Financial is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Arrow Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Arrow Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Arrow Financial is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Arrow Financial is a strong investment it is important to analyze Arrow Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Arrow Financial's future performance. For an informed investment choice regarding Arrow Stock, refer to the following important reports: Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Arrow Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in persons. For more information on how to buy Arrow Stock please use our How to Invest in Arrow Financial guide.You can also try the Competition Analyzer module to analyze and compare many basic indicators for a group of related or unrelated entities.
Complementary 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.
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Is Arrow Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Arrow Financial. If investors know Arrow will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Arrow Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.10) | Dividend Share 1.064 | Earnings Share 1.79 | Revenue Per Share 7.713 | Quarterly Revenue Growth 0.014 |
The market value of Arrow Financial is measured differently than its book value, which is the value of Arrow that is recorded on the company's balance sheet. Investors also form their own opinion of Arrow Financial's value that differs from its market value or its book value, called intrinsic value, which is Arrow Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Arrow Financial's market value can be influenced by many factors that don't directly affect Arrow Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Arrow Financial's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Arrow Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Arrow Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.