Arrow Financial CorpAROW
Price$36.85Intrinsic value$36.720% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $36.72median of 2 methodsbased on filings through 30 Jun 2026
Market Price $36.85Price as of 30 Sep 2026
Margin of Safety -0.4%as of 30 Sep 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 14.2% (near-term consensus, capped) · years 2–5: -1.3%/yr (balance of the path).1.7% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 6-0.4%Yr 70.4%Yr 81.3%Yr 92.1%Yr 103.0%
-1.3% → 3.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 113.0%Yr 123.0%Yr 133.0%Yr 143.0%Yr 153.0%Yr 163.0%Yr 173.0%Yr 183.0%Yr 193.0%Yr 203.0%
3.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)1.7%
Discount rate (cost of equity) 8.8%
Volatility vs market (adjusted beta)0.86

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

Search any company to compare valuation, profitability, returns, growth, and financial strength side by side.

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Best in rowHigher is betterLower is better—Data not available
TargetArrow Financial CorpAROWFinancials
Valuation
P/E11.9×
P/S4.2×
P/B1.4×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin—
Operating margin—
Net margin26.5%
FCF margin27.0%
Returns
ROE11.5%
ROA1.1%
ROIC—
Growth
Revenue growth (YoY)18.5%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.01×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield1.6%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.