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Last update at 2025-04-24T16:10:00Z
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 62.91M | 64.40M | 51.86M | 47.08M | 45.30M |
| Minority interest | - | - | - | - | - |
| Net income | 48.80M | 49.86M | 40.83M | 37.48M | 36.28M |
| Selling general administrative | 48.18M | 45.84M | 43.12M | 38.56M | 39.67M |
| Selling and marketing expenses | - | 1.08M | 1.14M | 1.24M | 1.08M |
| Gross profit | 149.24M | 142.72M | 131.86M | 116.60M | 112.97M |
| Reconciled depreciation | 7.55M | 7.83M | 6.87M | 5.50M | 4.75M |
| Ebit | - | 64.40M | 51.86M | 47.08M | 57.79M |
| Ebitda | 74.22M | 72.23M | 58.73M | 52.58M | 62.54M |
| Depreciation and amortization | - | 7.83M | 6.87M | 5.50M | 4.75M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 74.22M | 64.40M | 51.86M | 47.08M | 57.79M |
| Other operating expenses | 9.84M | -78.32000M | -79.99700M | -69.52900M | 55.18M |
| Interest expense | 11.31M | 5.20M | 12.69M | 21.71M | 12.48M |
| Tax provision | 14.11M | 14.55M | 11.04M | 9.60M | 9.03M |
| Interest income | 129.65M | 115.55M | 111.90M | 109.76M | 96.50M |
| Net interest income | 118.34M | 110.36M | 99.20M | 88.05M | 84.02M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 14.11M | 14.55M | 11.04M | 9.60M | 9.03M |
| Total revenue | 149.24M | 142.72M | 131.86M | 116.60M | 112.97M |
| Total operating expenses | - | -78.32000M | -79.99700M | -69.52900M | -55.17700M |
| Cost of revenue | - | - | - | - | 15.09M |
| Total other income expense net | -11.30800M | 62.63M | 48.40M | 45.60M | -12.48500M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 48.80M | 49.86M | 40.83M | 37.48M | 36.28M |
| Net income applicable to common shares | 48.80M | 49.86M | 40.83M | 37.48M | 36.28M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 3969.51M | 3969.51M | 4027.95M | 3688.64M | 3184.28M |
| Intangible assets | 1.50M | 1.50M | 1.92M | 1.95M | 1.66M |
| Earning assets | - | - | - | - | 637.97M |
| Other current assets | 64.66M | - | 2177.92M | 2285.25M | 2077.78M |
| Total liab | 3615.97M | 3615.97M | 70.17M | 70.22M | 2882.55M |
| Total stockholder equity | 353.54M | 353.54M | 371.19M | 334.39M | 301.73M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | -27.00000M | -27.00000M | 3550.50M | 57.93M | -130.00000M |
| Common stock | 21.42M | 21.42M | 20.80M | 20.19M | 19.61M |
| Capital stock | 22.07M | 21.42M | 20.80M | 20.19M | 19.61M |
| Retained earnings | 65.40M | 65.40M | 54.08M | 41.90M | 33.22M |
| Other liab | - | 24.36M | 36.10M | 31.82M | 24.36M |
| Good will | 21.87M | 21.87M | 21.87M | 21.87M | 21.87M |
| Other assets | 2494.39M | 2494.39M | 2183.30M | 2285.25M | 2077.78M |
| Cash | 64.66M | 64.66M | 457.70M | 380.99M | 70.22M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 27.00M | 27.00M | 4.77M | 57.93M | 130.00M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 15.26M | 15.26M | -387.52700M | -310.77400M | 115.03M |
| Short term debt | 27.00M | 27.00M | 4.77M | 57.93M | 130.00M |
| Short long term debt | 20.00M | 27.00M | 0.00000M | 0.00000M | 130.00M |
| Short long term debt total | 79.92M | 79.92M | 70.17M | 70.22M | 185.25M |
| Other stockholder equity | 316.37M | 316.37M | 295.96M | 273.12M | 255.26M |
| Property plant equipment | - | 62.12M | 46.22M | 42.61M | 35.46M |
| Total current assets | 638.15M | 638.15M | 1017.01M | 746.28M | 427.56M |
| Long term investments | 636.14M | 757.10M | 757.63M | 583.69M | 2967.33M |
| Net tangible assets | - | 330.95M | 347.39M | 310.57M | 278.19M |
| Short term investments | 573.50M | 573.50M | 559.32M | 365.29M | 357.33M |
| Net receivables | - | - | - | 2565.80M | - |
| Long term debt | 26.50M | 47.80M | 65.00M | 20.00M | 20.00M |
| Inventory | - | 0.59M | 0.13M | 0.15M | 1.26M |
| Accounts payable | - | 3498.36M | 3550.50M | 3234.73M | 2616.05M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -49.65500M | -49.65500M | 0.35M | -0.81600M | -6.35700M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | 20.80M | 20.19M | 19.61M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | 54.08M | 41.90M | 33.22M |
| Treasury stock | - | - | -82.03500M | -80.54700M | -80.09400M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -836.96100M | -836.96100M | -827.63700M | -657.11200M | -678.94200M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 836.96M | 836.96M | 827.64M | 657.11M | 678.94M |
| Capital lease obligations | 5.07M | 5.12M | 5.17M | 5.22M | 5.25M |
| Long term debt total | - | - | 20.00M | 20.00M | 20.00M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Investments | -130.39300M | -60.05600M | -268.98100M | -177.63100M | -191.14600M |
| Change to liabilities | - | 0.00000M | 4.04M | 0.59M | 10.03M |
| Total cashflows from investing activities | - | -393.06200M | -274.60200M | -187.31700M | -192.23100M |
| Net borrowings | - | 9.75M | -17.48600M | -18.61300M | -122.56000M |
| Total cash from financing activities | -59.68700M | -59.68700M | 283.10M | 455.77M | 134.27M |
| Change to operating activities | - | -0.57000M | -1.02800M | -1.75300M | -2.49700M |
| Net income | 48.80M | 48.80M | 49.86M | 40.83M | 37.48M |
| Change in cash | -393.03600M | -393.03600M | 76.70M | 310.77M | -14.01800M |
| Begin period cash flow | 457.70M | 457.70M | 380.99M | 70.22M | 84.24M |
| End period cash flow | 64.66M | 64.66M | 457.70M | 380.99M | 70.22M |
| Total cash from operating activities | 59.71M | 59.71M | 68.21M | 42.31M | 43.94M |
| Issuance of capital stock | 0.96M | 1.90M | 1.84M | 1.81M | 1.78M |
| Depreciation | 7.55M | 7.55M | 7.83M | 6.87M | 5.50M |
| Other cashflows from investing activities | - | -0.68400M | 1.52M | -4.55400M | 6.70M |
| Dividends paid | 17.44M | 17.44M | 16.30M | 15.74M | 15.21M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | -2.87200M | -2.87200M | -2.66200M | -1.57800M | -2.46900M |
| Other cashflows from financing activities | -24.02500M | -52.13300M | 317.76M | 501.32M | 165.19M |
| Change to netincome | - | 3.94M | 11.29M | -4.21600M | 3.75M |
| Capital expenditures | 14.25M | 14.25M | 7.14M | 5.13M | 7.79M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | -4.80000M | -1.75000M | -12.81600M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | 76.70M | 310.77M | -14.01800M |
| Change in working capital | -0.57000M | -0.57000M | -1.02800M | -1.75300M | -2.49700M |
| Stock based compensation | 0.86M | 0.86M | 0.79M | 0.55M | 0.83M |
| Other non cash items | 4.33M | -0.16000M | 9.82M | -1.93200M | 2.29M |
| Free cash flow | 45.46M | 45.46M | 61.07M | 37.18M | 36.16M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | |
|---|---|---|---|---|---|---|---|
| AROW Arrow Financial Corporation |
0.09 0.36% | 25.09 | 14.26 | - | 2.78 | 0.95 | |
| HDB HDFC Bank Limited ADR |
-0.38 0.53% | 71.91 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.41 1.45% | 28.73 | 6.61 | 5.68 | 0.48 | 0.77 | 3.43 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.09 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
| IBN ICICI Bank Limited |
-0.225 0.68% | 33.05 | 17.79 | 16.95 | 0.07 | 3.08 |
Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and enhancement to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses. In addition, it maintains an indirect lending program. Further, the company provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Additionally, it offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. It operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.
250 Glen Street, Glens Falls, NY, United States, 12801
| Name | Title | Year Born |
|---|---|---|
| Mr. Thomas J. Murphy CPA | Pres, CEO, Interim Treasurer, Interim CFO & Director | 1959 |
| Mr. Andrew J. Wise | Sr. Exec. VP & COO | 1968 |
| Mr. David S. DeMarco | Sr. EVP & Chief Banking Officer | 1962 |
| Mr. David S. DeMarco | CEO, President & Director | 1962 |
| Mr. David D. Kaiser | Senior Executive VP & Chief Credit Officer | 1961 |
| Mr. Andrew J. Wise | Senior Executive VP, Chief Risk Officer & Company Secretary | 1967 |
| Mr. Penko Krassimir Ivanov CPA, M.B.A. | Senior EVP, CFO, Chief Accounting Officer & Treasurer | 1969 |
| Mr. Michael Jacobs | Executive VP & Chief Information Officer | 1971 |
| Ms. Brooke Pancoe | Senior EVP & Chief Human Resources Officer | 1986 |
| Annette Reitano | Senior VP and Director of Marketing & Communications of Glen Falls | NA |
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