US · AROW
Arrow Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Glens Falls, NY 12801
- Website
- arrowfinancial.com
Price · as of 2024-12-31
$37.14
Market cap 547.7M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $23.54 | -36.62% |
| Intrinsic Value(DCF) | $30.81 | -17.04% |
| Graham-Dodd Method(GD) | $15.02 | -59.57% |
| Graham Formula(GF) | $42.27 | +13.82% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $11.03 | $34.95 | $8.33 | $5.09 | $11.45 |
| 2011 | $12.08 | $36.55 | $12.23 | $5.12 | $9.52 |
| 2012 | $13.13 | $35.88 | $28.26 | $5.58 | $3.38 |
| 2013 | $14.65 | $28.39 | $26.30 | $6.20 | $5.43 |
| 2014 | $16.15 | $34.23 | $23.96 | $6.93 | $16.54 |
| 2015 | $16.66 | $27.29 | $21.59 | $7.88 | $18.30 |
| 2016 | $21.89 | $24.73 | $20.64 | $9.21 | $23.02 |
| 2017 | $23.63 | $26.28 | $18.59 | $10.58 | $27.34 |
| 2018 | $24.13 | $24.66 | $18.99 | $13.15 | $43.44 |
| 2019 | $23.75 | $28.87 | $20.92 | $14.22 | $39.86 |
| 2020 | $28.85 | $31.75 | $32.65 | $16.60 | $30.27 |
| 2021 | $27.98 | $23.52 | $45.73 | $20.84 | $30.59 |
| 2022 | $23.81 | $32.43 | $41.61 | $18.46 | $46.93 |
| 2023 | $22.98 | $36.18 | $32.88 | $14.00 | $47.11 |
| 2024 | $25.39 | $23.54 | $35.34 | $15.02 | $42.27 |
AI valuation
Our deep-learning model estimates Arrow Financial Corporation's (AROW) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $23.54
- Current price
- $37.14
- AI upside
- -36.62%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$30.81
-17.04% upside
Graham-Dodd
$15.02
-59.57% upside
Graham Formula
$42.27
+13.82% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| AROW | Arrow Financial Corporati… | $37.14 | 547.7M | -37% | -17% | -60% | +14% | 14.30 | 1.06 | 1.91 | -3.72 | — | 1.13 | 60.35% | 16.75% | 13.32% | 7.61% | -15.97% | 0.70% | 0.08 | 0.45 | 0.16 | 0.16 | -2.83 | 0.00% | 1637.00% | 11388.00% | 6.79% | 0.01 | -15.52% | 4.30% | 61.60% | 17.66% | -4.26 | -5.51 | -0.71 | -0.72 |
| ACNB | ACNB Corporation | $50.40 | 523.39M | -9% | +40% | -40% | +68% | 10.70 | 1.12 | 2.58 | 12.65 | 1984.13 | 1.36 | 84.05% | 30.58% | 24.09% | 10.97% | 12.09% | 1.32% | 0.90 | 1.69 | 0.04 | 0.04 | 5.22 | 54.00% | 1520.00% | -155.00% | 11.40% | 0.02 | 14.73% | 3.15% | 33.60% | 3.22% | 13.60 | 14.16 | 4.16 | -0.53 |
| ALRS | Alerus Financial Corporat… | $23.84 | 605.47M | +43% | -24% | -47% | +50% | 22.03 | 0.79 | 1.19 | 1.48 | 51.12 | 1.09 | 59.84% | 7.01% | 5.37% | 4.11% | 12.21% | 0.39% | 0.64 | 0.20 | 0.16 | 0.15 | 6.72 | 4310.00% | 3588.00% | -3548.00% | 4.23% | 0.01 | 11.39% | 3.94% | 86.90% | 4.01% | 2.43 | 3.39 | 0.17 | -0.69 |
| BWB | Bridgewater Bancshares, I… | $18.28 | 507.45M | +168% | -11% | +9% | +21% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| FMNB | Farmers National Banc Cor… | $12.93 | 486.86M | +173% | +11% | +56% | -0% | 8.94 | 1.00 | 1.80 | 13.16 | 47.43 | 1.62 | 63.79% | 23.93% | 20.08% | 12.24% | 10.93% | 1.05% | 0.76 | 0.71 | 1.42 | 0.00 | 5.65 | 1885.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.61% | 13.16 | — | 3.15 | 0.16 |
| MSBI | Midland States Bancorp, I… | $22.13 | 476.94M | -8% | 0% | -58% | +21% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| NRIM | Northrim BanCorp, Inc. | $23.49 | 518.91M | +304% | +2% | -62% | +121% | 11.02 | 1.52 | 2.08 | -1.84 | 23.00 | 2.18 | 77.53% | 23.98% | 18.87% | 14.73% | -10.24% | 1.26% | 0.15 | 1.15 | 0.24 | 0.24 | -0.43 | 4788.00% | 2377.00% | -12866.00% | -2.30% | 0.00 | 2.59% | 3.38% | 37.20% | 3.57% | -1.98 | 9.98 | -0.48 | -0.48 |
| PFIS | Peoples Financial Service… | $53.60 | 535.71M | +169% | +33% | +38% | +224% | 9.17 | 1.04 | 1.93 | 11.09 | 1.86 | 1.30 | 66.60% | 25.71% | 21.07% | 11.97% | 10.96% | 1.14% | 0.50 | 0.77 | 0.09 | 0.00 | 3.58 | 49394.00% | 2226.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.09 | — | 2.85 | -0.44 |
| UNTY | Unity Bancorp, Inc. | $53.19 | 534M | -6% | +19% | -20% | +24% | 10.23 | 1.43 | 2.60 | 8.06 | 178.61 | 1.44 | 62.55% | 33.35% | 25.42% | 14.88% | 12.34% | 1.58% | 0.78 | 0.95 | 0.10 | 0.10 | 0.88 | 573.00% | 819.00% | 292.00% | 11.15% | 0.02 | 14.07% | 1.18% | 12.10% | 31.32% | 8.44 | 9.71 | 2.81 | -0.50 |
About Arrow Financial Corporation
Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and improvements to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses. In addition, it maintains an indirect lending program; and sells residential real estate loan originations into the secondary market. Further, the company provides retirement planning, trust, and estate administration services for individuals; and pension, profit-sharing, and employee benefit plan administration services for corporations. Additionally, it offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. The company operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, as well as surrounding areas. It owns 26 branch banking offices; and leases 12 branch banking offices, as well as two residential loan origination offices. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.
- CEO
- David S. DeMarco
- Employees
- 580
- Beta
- 0.79
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($30.81 ÷ $37.14) − 1 = -17.04% (DCF, example).