Arrow Financial Corporation cash flow to debt ratio of 141.40% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Arrow Financial Corporation's free cash flow has increased 25.35% from $28.87M last year to $36.19M, signaling increasing performance

Arrow Financial Corporation's debt to equity ratio is 0.75, which means that the company's assets are unhealthy financed, signaling financial risk.

Arrow Financial Corporation's debt has increased relative to shareholder equity from 0.08 last year to 0.75 today, signaling weakened financials

Arrow Financial Corporation has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Arrow Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Arrow Financial Corporation's profit margin has increased (81.76%) in the last year from 13.32% to 24.21%, signaling increasing performance

Arrow Financial Corporation's short-term liabilities of $722.37M exceed its short-term assets of $29.13M, signaling financial risk

Arrow Financial Corporation's return on assets of 1.14% is lower than the 5.00% threshold, indicating inefficient asset utilization

Arrow Financial Corporation's return on equity of 11.82%, is lower than 15.00%, indicating bad performance

Arrow Financial Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Arrow Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Arrow Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Arrow Financial Corporation has a free cash flow yield of 5.62%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Arrow Financial Corporation's yearly earnings has increased 47.95% since last year from $29.71M to $43.95M, signaling increasing performance

Arrow Financial Corporation's yearly revenue has increased 8.75% since last year from $223.07M to $242.58M, signaling increasing performance

ROIC 3.29% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Arrow Financial Corporation's 3-year revenue CAGR of 14.75% is positive, indicating growing revenue over the past 3 years

Arrow Financial Corporation had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Arrow Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Arrow Financial Corporation is overvalued relative to its fair value price of 25.07 based on Discounted Cash Flow model

Arrow Financial Corporation has an earnings yield of 8.03%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Arrow Financial Corporation is overvalued relative to its fair value price of 23.48 based on EBITDA multiple model

Arrow Financial Corporation has an EV/EBITDA ratio of 10.58x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Arrow Financial Corporation is undervalued relative to its fair value price of 65.21 based on Earnings Fair Value model

Arrow Financial Corporation has a PEG-ratio over 1 which is considered overvalued

Arrow Financial Corporation has a price-to-book ratio of 1.43x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Arrow Financial Corporation has a price-to-sales ratio of 3.02x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue