Arrow Financial Corp. (AROW) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

First Financial Corp. (Indiana)

Alerus Financial Corp.

Banco Latinoamericano de Comercio Exterior SA

Amerant Bancorp, Inc.

Esquire Financial Holdings, Inc.

QCR Holdings, Inc.

Arrow Financial Corp.

The First Bancshares, Inc. (Mississippi)

Farmers National Banc Corp.

Old Second Bancorp, Inc.

American National Bankshares, Inc. (Virginia)

Why is Arrow Financial Corp. ?

Positive results in Jun 25

NII(Q) Highest at USD 32.53 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
GROSS NPA (%)(Q) Lowest at 0.18%

With ROA of 0.55%, it has a expensive valuation with a 1.38 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 -7.56%, its profits have fallen by -2.8%

High Institutional Holdings at 54.71%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Underperformed the market in the last 1 year

Even though the market (S&P 500) has generated returns of 12.33% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -7.56% returns

Real-Time Research Report

Verdict Report

How 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?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Arrow Financial Corp.

-4.74%

0.89

29.31%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.44%

EBIT Growth (5y)

-2.63%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

61.44%

Pledged Shares

Institutional Holding

54.71%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.38

EV to EBIT

8.86

EV to EBITDA

7.58

EV to Capital Employed

2.30

EV to Sales

1.37

PEG Ratio

Dividend Yield

3.29%

ROCE (Latest)

25.99%

ROE (Latest)

7.01%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

NII(Q)

Highest at USD 32.53 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

GROSS NPA (%)

NET SALES(Q)

Highest at USD 51.57 MM

OPERATING PROFIT(Q)

Highest at USD 13.94 MM

OPERATING PROFIT MARGIN(Q)

Highest at 27.02 %

PRE-TAX PROFIT(Q)

Highest at USD 13.9 MM

NET PROFIT(Q)

Highest at USD 10.8 MM

EPS(Q)

Highest at USD 0.65

0What is not working for the Company

NO KEY NEGATIVE TRIGGERS

Here's what is working for Arrow Financial Corp.

NII

Highest at USD 32.53 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Non Performing Loans (%)

Lowest at 0.18%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Sales

Highest at USD 51.57 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 13.94 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 27.02 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 13.9 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 13.9 MM has Grown at 55.24%

over average net sales of the previous four periods of USD 8.95 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 10.8 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 10.8 MM has Grown at 52.4%

over average net sales of the previous four periods of USD 7.09 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.65

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Depreciation

Highest at USD 1.41 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)