ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Arrow Financial Corp. ?
1
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 35.37 MM
- NII(Q) Highest at USD 35.14 MM
- ROCE(HY) Highest at 1%
2
With ROA of 0.85%, it has a fair valuation with a 1.60 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 24.17%, its profits have risen by 47.9% ; the PEG ratio of the company is 0.3
3
High Institutional Holdings at 54.73%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Market Beating Performance
- The stock has generated a return of 24.17% in the last 1 year, much higher than market (S&P 500) returns of 13.68%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Arrow Financial Corp. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Arrow Financial Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Arrow Financial Corp.
24.06%
1.24
28.89%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.43%
EBIT Growth (5y)
1.51%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
43.02%
Pledged Shares
0
Institutional Holding
54.73%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.60
EV to EBIT
9.67
EV to EBITDA
8.95
EV to Capital Employed
2.09
EV to Sales
2.36
PEG Ratio
0.31
Dividend Yield
2.77%
ROCE (Latest)
21.58%
ROE (Latest)
10.18%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Bearish
Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend28What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 35.37 MM
NII(Q)
Highest at USD 35.14 MM
ROCE(HY)
Highest at 1%
DIVIDEND PER SHARE(HY)
Highest at USD 0
PRE-TAX PROFIT(Q)
Highest at USD 16.76 MM
NET PROFIT(Q)
Highest at USD 14.01 MM
NET SALES(Q)
Highest at USD 54.61 MM
OPERATING PROFIT(Q)
Highest at USD 16.89 MM
OPERATING PROFIT MARGIN(Q)
Highest at 30.92 %
EPS(Q)
Highest at USD 0.85
-4What is not working for the Company
ROCE(HY)
Lowest at 1%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 34.12%
CASH AND EQV(HY)
Lowest at USD 75.05 MM
Here's what is working for Arrow Financial Corp.
NII
Highest at USD 35.14 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 35.37 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Pre-Tax Profit
Highest at USD 16.76 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 14.01 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 54.61 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 16.89 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 30.92 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
At USD 16.76 MM has Grown at 52.9%
over average net sales of the previous four periods of USD 10.96 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 14.01 MM has Grown at 62.89%
over average net sales of the previous four periods of USD 8.6 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.85
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 13.74%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Arrow Financial Corp.
Cash and Eqv
Lowest at USD 75.05 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Dividend Payout Ratio
Lowest at 34.12%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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