ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Arrow Financial Corp. ?
1
The company has declared Positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 36.17 MM
- ROCE(HY) Highest at 1.15%
- DIVIDEND PER SHARE(HY) Highest at USD 0
2
With ROA of 0.73%, it has a fair valuation with a 1.63 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 48.40%, its profits have risen by 47.8% ; the PEG ratio of the company is 0.3
3
High Institutional Holdings at 64.55%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 7.88% over the previous quarter.
4
Market Beating performance in long term as well as near term
- Along with generating 48.40% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- 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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Arrow Financial Corp.
48.4%
2.24
27.20%
S&P 500
22.36%
1.70
13.18%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.43%
EBIT Growth (5y)
1.19%
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
42.95%
Pledged Shares
0
Institutional Holding
56.67%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.63
EV to EBIT
10.04
EV to EBITDA
9.06
EV to Capital Employed
2.18
EV to Sales
2.39
PEG Ratio
0.32
Dividend Yield
2.72%
ROCE (Latest)
21.66%
ROE (Latest)
10.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 36.17 MM
ROCE(HY)
Highest at 1.15%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET PROFIT(9M)
Higher at USD 38.32 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 95.66%
-4What is not working for the Company
ROCE(HY)
Lowest at 1.15%
OPERATING PROFIT(Q)
Lowest at USD 13.74 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 25.63 %
Here's what is working for Arrow Financial Corp.
Operating Cash Flow
Highest at USD 36.17 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)
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 Profit
At USD 38.32 MM has Grown at 77.54%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 95.66%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Profit
Higher at USD 38.32 MM
than preceding 12 month period ended Jun 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for Arrow Financial Corp.
Operating Profit
Lowest at USD 13.74 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 25.63 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
