Financhill
Buy
57

AROW Quote, Financials, Valuation and Earnings

Last price:
$30.93
Seasonality move :
4.3%
Day range:
$30.55 - $31.49
52-week range:
$22.72 - $32.83
Dividend yield:
3.69%
P/E ratio:
14.87x
P/S ratio:
2.18x
P/B ratio:
1.22x
Volume:
56.2K
Avg. volume:
51.6K
1-year change:
-5.01%
Market cap:
$508.4M
Revenue:
$223.1M
EPS (TTM):
$2.08

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
AROW
Arrow Financial Corp.
$41M $0.72 -21.27% 203.37% $33.50
CZNC
Citizens & Northern Corp.
$28.5M $0.53 -13.4% 10.48% $22.00
CZWI
Citizens Community Bancorp, Inc. (Wisconsin)
$15.4M $0.37 -30.98% 46.68% $18.75
PCB
PCB Bancorp
$30.5M $0.60 -40.44% 30.37% $24.50
PEBO
Peoples Bancorp, Inc. (Ohio)
$116.9M $0.82 -24.02% 15.77% $33.08
SHBI
Shore Bancshares, Inc.
$57.8M $0.45 -32.5% 17.43% $18.38
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
AROW
Arrow Financial Corp.
$30.92 $33.50 $508.4M 14.87x $0.29 3.69% 2.18x
CZNC
Citizens & Northern Corp.
$20.50 $22.00 $364.9M 11.72x $0.28 5.46% 1.96x
CZWI
Citizens Community Bancorp, Inc. (Wisconsin)
$17.85 $18.75 $172.4M 13.87x $0.36 2.02% 1.83x
PCB
PCB Bancorp
$21.80 $24.50 $310.9M 9.09x $0.20 3.67% 1.52x
PEBO
Peoples Bancorp, Inc. (Ohio)
$30.35 $33.08 $1.1B 10.62x $0.41 5.37% 1.74x
SHBI
Shore Bancshares, Inc.
$17.68 $18.38 $591M 10.38x $0.12 2.72% 1.74x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
AROW
Arrow Financial Corp.
7.46% 0.732 7.24% 0.00x
CZNC
Citizens & Northern Corp.
37.22% 0.740 56.63% 0.00x
CZWI
Citizens Community Bancorp, Inc. (Wisconsin)
20.28% 0.031 30% 0.00x
PCB
PCB Bancorp
4.7% 0.406 5.14% 0.00x
PEBO
Peoples Bancorp, Inc. (Ohio)
37.88% 0.881 67.53% 0.00x
SHBI
Shore Bancshares, Inc.
19.06% 1.169 24.78% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
AROW
Arrow Financial Corp.
-- $16.6M 7.46% 8.5% 57.88% $14.3M
CZNC
Citizens & Northern Corp.
-- $8.9M 5.6% 9.51% 47.39% $8.5M
CZWI
Citizens Community Bancorp, Inc. (Wisconsin)
-- $4.5M 5.21% 7.06% 54.04% $6.2M
PCB
PCB Bancorp
-- $15.9M 8.42% 9.24% 73.6% $16.2M
PEBO
Peoples Bancorp, Inc. (Ohio)
-- $38M 6.14% 8.84% 50.74% $12.7M
SHBI
Shore Bancshares, Inc.
-- $19M 8.25% 10.27% 55.98% $27.7M

Arrow Financial Corp. vs. Competitors

  • Which has Higher Returns AROW or CZNC?

    Citizens & Northern Corp. has a net margin of 20.58% compared to Arrow Financial Corp.'s net margin of 15.87%. Arrow Financial Corp.'s return on equity of 8.5% beat Citizens & Northern Corp.'s return on equity of 9.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    AROW
    Arrow Financial Corp.
    -- $0.78 $451.4M
    CZNC
    Citizens & Northern Corp.
    -- $0.42 $468.2M
  • What do Analysts Say About AROW or CZNC?

    Arrow Financial Corp. has a consensus price target of $33.50, signalling upside risk potential of 8.34%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.00 which suggests that it could grow by 7.32%. Given that Arrow Financial Corp. has higher upside potential than Citizens & Northern Corp., analysts believe Arrow Financial Corp. is more attractive than Citizens & Northern Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    AROW
    Arrow Financial Corp.
    1 0 0
    CZNC
    Citizens & Northern Corp.
    0 1 0
  • Is AROW or CZNC More Risky?

    Arrow Financial Corp. has a beta of 0.821, which suggesting that the stock is 17.928% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.571, suggesting its less volatile than the S&P 500 by 42.86%.

  • Which is a Better Dividend Stock AROW or CZNC?

    Arrow Financial Corp. has a quarterly dividend of $0.29 per share corresponding to a yield of 3.69%. Citizens & Northern Corp. offers a yield of 5.46% to investors and pays a quarterly dividend of $0.28 per share. Arrow Financial Corp. pays 61.44% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios AROW or CZNC?

    Arrow Financial Corp. quarterly revenues are $62.3M, which are larger than Citizens & Northern Corp. quarterly revenues of $40.9M. Arrow Financial Corp.'s net income of $12.8M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, Arrow Financial Corp.'s price-to-earnings ratio is 14.87x while Citizens & Northern Corp.'s PE ratio is 11.72x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Arrow Financial Corp. is 2.18x versus 1.96x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    AROW
    Arrow Financial Corp.
    2.18x 14.87x $62.3M $12.8M
    CZNC
    Citizens & Northern Corp.
    1.96x 11.72x $40.9M $6.5M
  • Which has Higher Returns AROW or CZWI?

    Citizens Community Bancorp, Inc. (Wisconsin) has a net margin of 20.58% compared to Arrow Financial Corp.'s net margin of 14.66%. Arrow Financial Corp.'s return on equity of 8.5% beat Citizens Community Bancorp, Inc. (Wisconsin)'s return on equity of 7.06%.

    Company Gross Margin Earnings Per Share Invested Capital
    AROW
    Arrow Financial Corp.
    -- $0.78 $451.4M
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    -- $0.37 $234.3M
  • What do Analysts Say About AROW or CZWI?

    Arrow Financial Corp. has a consensus price target of $33.50, signalling upside risk potential of 8.34%. On the other hand Citizens Community Bancorp, Inc. (Wisconsin) has an analysts' consensus of $18.75 which suggests that it could grow by 5.04%. Given that Arrow Financial Corp. has higher upside potential than Citizens Community Bancorp, Inc. (Wisconsin), analysts believe Arrow Financial Corp. is more attractive than Citizens Community Bancorp, Inc. (Wisconsin).

    Company Buy Ratings Hold Ratings Sell Ratings
    AROW
    Arrow Financial Corp.
    1 0 0
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    2 0 0
  • Is AROW or CZWI More Risky?

    Arrow Financial Corp. has a beta of 0.821, which suggesting that the stock is 17.928% less volatile than S&P 500. In comparison Citizens Community Bancorp, Inc. (Wisconsin) has a beta of 0.698, suggesting its less volatile than the S&P 500 by 30.246%.

  • Which is a Better Dividend Stock AROW or CZWI?

    Arrow Financial Corp. has a quarterly dividend of $0.29 per share corresponding to a yield of 3.69%. Citizens Community Bancorp, Inc. (Wisconsin) offers a yield of 2.02% to investors and pays a quarterly dividend of $0.36 per share. Arrow Financial Corp. pays 61.44% of its earnings as a dividend. Citizens Community Bancorp, Inc. (Wisconsin) pays out 23.88% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios AROW or CZWI?

    Arrow Financial Corp. quarterly revenues are $62.3M, which are larger than Citizens Community Bancorp, Inc. (Wisconsin) quarterly revenues of $25.1M. Arrow Financial Corp.'s net income of $12.8M is higher than Citizens Community Bancorp, Inc. (Wisconsin)'s net income of $3.7M. Notably, Arrow Financial Corp.'s price-to-earnings ratio is 14.87x while Citizens Community Bancorp, Inc. (Wisconsin)'s PE ratio is 13.87x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Arrow Financial Corp. is 2.18x versus 1.83x for Citizens Community Bancorp, Inc. (Wisconsin). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    AROW
    Arrow Financial Corp.
    2.18x 14.87x $62.3M $12.8M
    CZWI
    Citizens Community Bancorp, Inc. (Wisconsin)
    1.83x 13.87x $25.1M $3.7M
  • Which has Higher Returns AROW or PCB?

    PCB Bancorp has a net margin of 20.58% compared to Arrow Financial Corp.'s net margin of 20.63%. Arrow Financial Corp.'s return on equity of 8.5% beat PCB Bancorp's return on equity of 9.24%.

    Company Gross Margin Earnings Per Share Invested Capital
    AROW
    Arrow Financial Corp.
    -- $0.78 $451.4M
    PCB
    PCB Bancorp
    -- $0.78 $403.5M
  • What do Analysts Say About AROW or PCB?

    Arrow Financial Corp. has a consensus price target of $33.50, signalling upside risk potential of 8.34%. On the other hand PCB Bancorp has an analysts' consensus of $24.50 which suggests that it could grow by 12.39%. Given that PCB Bancorp has higher upside potential than Arrow Financial Corp., analysts believe PCB Bancorp is more attractive than Arrow Financial Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    AROW
    Arrow Financial Corp.
    1 0 0
    PCB
    PCB Bancorp
    0 3 0
  • Is AROW or PCB More Risky?

    Arrow Financial Corp. has a beta of 0.821, which suggesting that the stock is 17.928% less volatile than S&P 500. In comparison PCB Bancorp has a beta of 0.519, suggesting its less volatile than the S&P 500 by 48.085%.

  • Which is a Better Dividend Stock AROW or PCB?

    Arrow Financial Corp. has a quarterly dividend of $0.29 per share corresponding to a yield of 3.69%. PCB Bancorp offers a yield of 3.67% to investors and pays a quarterly dividend of $0.20 per share. Arrow Financial Corp. pays 61.44% of its earnings as a dividend. PCB Bancorp pays out 41.43% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios AROW or PCB?

    Arrow Financial Corp. quarterly revenues are $62.3M, which are larger than PCB Bancorp quarterly revenues of $54.9M. Arrow Financial Corp.'s net income of $12.8M is higher than PCB Bancorp's net income of $11.3M. Notably, Arrow Financial Corp.'s price-to-earnings ratio is 14.87x while PCB Bancorp's PE ratio is 9.09x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Arrow Financial Corp. is 2.18x versus 1.52x for PCB Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    AROW
    Arrow Financial Corp.
    2.18x 14.87x $62.3M $12.8M
    PCB
    PCB Bancorp
    1.52x 9.09x $54.9M $11.3M
  • Which has Higher Returns AROW or PEBO?

    Peoples Bancorp, Inc. (Ohio) has a net margin of 20.58% compared to Arrow Financial Corp.'s net margin of 18.66%. Arrow Financial Corp.'s return on equity of 8.5% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 8.84%.

    Company Gross Margin Earnings Per Share Invested Capital
    AROW
    Arrow Financial Corp.
    -- $0.78 $451.4M
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    -- $0.83 $1.9B
  • What do Analysts Say About AROW or PEBO?

    Arrow Financial Corp. has a consensus price target of $33.50, signalling upside risk potential of 8.34%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $33.08 which suggests that it could grow by 9.01%. Given that Peoples Bancorp, Inc. (Ohio) has higher upside potential than Arrow Financial Corp., analysts believe Peoples Bancorp, Inc. (Ohio) is more attractive than Arrow Financial Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    AROW
    Arrow Financial Corp.
    1 0 0
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1 5 0
  • Is AROW or PEBO More Risky?

    Arrow Financial Corp. has a beta of 0.821, which suggesting that the stock is 17.928% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.670, suggesting its less volatile than the S&P 500 by 33%.

  • Which is a Better Dividend Stock AROW or PEBO?

    Arrow Financial Corp. has a quarterly dividend of $0.29 per share corresponding to a yield of 3.69%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.37% to investors and pays a quarterly dividend of $0.41 per share. Arrow Financial Corp. pays 61.44% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 48.1% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios AROW or PEBO?

    Arrow Financial Corp. quarterly revenues are $62.3M, which are smaller than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.6M. Arrow Financial Corp.'s net income of $12.8M is lower than Peoples Bancorp, Inc. (Ohio)'s net income of $29.2M. Notably, Arrow Financial Corp.'s price-to-earnings ratio is 14.87x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.62x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Arrow Financial Corp. is 2.18x versus 1.74x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    AROW
    Arrow Financial Corp.
    2.18x 14.87x $62.3M $12.8M
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1.74x 10.62x $156.6M $29.2M
  • Which has Higher Returns AROW or SHBI?

    Shore Bancshares, Inc. has a net margin of 20.58% compared to Arrow Financial Corp.'s net margin of 16.9%. Arrow Financial Corp.'s return on equity of 8.5% beat Shore Bancshares, Inc.'s return on equity of 10.27%.

    Company Gross Margin Earnings Per Share Invested Capital
    AROW
    Arrow Financial Corp.
    -- $0.78 $451.4M
    SHBI
    Shore Bancshares, Inc.
    -- $0.43 $713.1M
  • What do Analysts Say About AROW or SHBI?

    Arrow Financial Corp. has a consensus price target of $33.50, signalling upside risk potential of 8.34%. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $18.38 which suggests that it could grow by 3.93%. Given that Arrow Financial Corp. has higher upside potential than Shore Bancshares, Inc., analysts believe Arrow Financial Corp. is more attractive than Shore Bancshares, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    AROW
    Arrow Financial Corp.
    1 0 0
    SHBI
    Shore Bancshares, Inc.
    1 1 0
  • Is AROW or SHBI More Risky?

    Arrow Financial Corp. has a beta of 0.821, which suggesting that the stock is 17.928% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 0.942, suggesting its less volatile than the S&P 500 by 5.756%.

  • Which is a Better Dividend Stock AROW or SHBI?

    Arrow Financial Corp. has a quarterly dividend of $0.29 per share corresponding to a yield of 3.69%. Shore Bancshares, Inc. offers a yield of 2.72% to investors and pays a quarterly dividend of $0.12 per share. Arrow Financial Corp. pays 61.44% of its earnings as a dividend. Shore Bancshares, Inc. pays out 36.4% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios AROW or SHBI?

    Arrow Financial Corp. quarterly revenues are $62.3M, which are smaller than Shore Bancshares, Inc. quarterly revenues of $84.9M. Arrow Financial Corp.'s net income of $12.8M is lower than Shore Bancshares, Inc.'s net income of $14.3M. Notably, Arrow Financial Corp.'s price-to-earnings ratio is 14.87x while Shore Bancshares, Inc.'s PE ratio is 10.38x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Arrow Financial Corp. is 2.18x versus 1.74x for Shore Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    AROW
    Arrow Financial Corp.
    2.18x 14.87x $62.3M $12.8M
    SHBI
    Shore Bancshares, Inc.
    1.74x 10.38x $84.9M $14.3M

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