Arrow Financial Corporation (AROW) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Arrow Financial Corporation stock (AROW) is currently trading at $33.24. Arrow Financial Corporation PE ratio is 12.14. Arrow Financial Corporation PS ratio (Price-to-Sales) is 3.35. Analyst consensus price target for AROW is $35.50. WallStSmart rates AROW as Buy.
- AROW PE ratio analysis and historical PE chart
- AROW PS ratio (Price-to-Sales) history and trend
- AROW intrinsic value — DCF, Graham Number, EPV models
- AROW stock price prediction 2025 2026 2027 2028 2029 2030
- AROW fair value vs current price
- AROW insider transactions and insider buying
- Is AROW undervalued or overvalued?
- Arrow Financial Corporation financial analysis — revenue, earnings, cash flow
- AROW Piotroski F-Score and Altman Z-Score
- AROW analyst price target and Smart Rating
Arrow Financial Corporation
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AROW Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Arrow Financial Corporation (AROW)
AROW trades at a significant discount to its Graham intrinsic value of $124.02, offering a 72% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Arrow Financial Corporation (AROW) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Arrow Financial Corporation (AROW) Key Strengths (6)
Keeps $41 of every $100 in revenue after operating costs
Revenue surging 37.00% year-over-year
Earnings per share surging 216.50% year-over-year
Keeps $28 of every $100 in revenue as net profit
Trading at 1.23x book value, attractively priced
58.38% held by institutions, strong professional interest
Supporting Valuation Data
Arrow Financial Corporation (AROW) Areas to Watch (4)
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.35x sales
Arrow Financial Corporation (AROW) Detailed Analysis Report
Overall Assessment
This company scores 76/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (1.23) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 40.70%, Profit Margin at 27.80%. Growth metrics are encouraging with Revenue Growth at 37.00%, EPS Growth at 216.50%.
The Bear Case
The primary concerns are PEG Ratio, Market Cap, Return on Equity. Some valuation metrics including PEG Ratio (2.84), Price/Sales (3.35) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 10.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 37.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AROW Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AROW's Price-to-Sales ratio of 3.35x trades 27% below its historical average of 4.62x (1th percentile). The current valuation is 56% below its historical high of 7.64x set in Jan 2007, and 9% above its historical low of 3.08x in Jun 2008.
WallStSmart Analysis Synopsis
Data-driven financial summary for Arrow Financial Corporation (AROW) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Arrow Financial Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 158M with 37% growth year-over-year. Profit margins are strong at 27.8%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 37% YoY, reaching 158M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1060.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Arrow Financial Corporation maintain 37%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 355.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Arrow Financial Corporation.
Bottom Line
Arrow Financial Corporation offers an attractive blend of growth (37% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Arrow Financial Corporation(AROW)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Arrow Financial Corporation, a banking holding company, offers consumer and commercial banking and financial products and services. The company is headquartered in Glens Falls, New York.