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Upturn AI SWOT - About
Arrow Financial Corporation (AROW)
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Upturn Advisory Summary
03/27/2025: AROW (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 26.72% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 571.29M USD | Price to earnings Ratio 17.39 | 1Y Target Price 31.5 |
Price to earnings Ratio 17.39 | 1Y Target Price 31.5 | ||
Volume (30-day avg) 37056 | Beta 0.72 | 52 Weeks Range 20.63 - 34.27 | Updated Date 03/30/2025 |
52 Weeks Range 20.63 - 34.27 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 3.27% | Basic EPS (TTM) 1.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.21% | Operating Margin (TTM) 34.33% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 8.75% |
Valuation
Trailing PE 17.39 | Forward PE - | Enterprise Value 358146784 | Price to Sales(TTM) 3.31 |
Enterprise Value 358146784 | Price to Sales(TTM) 3.31 | ||
Enterprise Value to Revenue 3.43 | Enterprise Value to EBITDA - | Shares Outstanding 16739000 | Shares Floating 16229278 |
Shares Outstanding 16739000 | Shares Floating 16229278 | ||
Percent Insiders 2.81 | Percent Institutions 49.76 |
Analyst Ratings
Rating 3 | Target Price 31.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Arrow Financial Corporation
Company Overview
History and Background
Arrow Financial Corporation was founded in 1983. It operates as the holding company for Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, providing a range of banking and financial services.
Core Business Areas
- Commercial Banking: Offers commercial lending, deposit accounts, and other banking services to businesses.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, trust, and financial planning services.
Leadership and Structure
Arrow Financial Corporation's leadership includes Thomas J. Murphy as President and CEO. The organizational structure consists of executive management overseeing the various banking and financial service divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses of various sizes. Market share data is not readily available publicly at the individual product level. Competitors include larger national and regional banks.
- Mortgage Loans: Offers mortgage products to individuals and families. Market share data is not readily available publicly at the individual product level. Competitors include national mortgage lenders and other regional banks.
- Wealth Management Services: Provides investment advice and management to high-net-worth individuals. Market share data is not readily available publicly at the individual product level. Competitors include national brokerage firms and investment advisors.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation, facing increased regulatory scrutiny, and experiencing margin pressure due to low interest rates (though this is now changing with rising rates).
Positioning
Arrow Financial Corporation operates as a community-focused bank, emphasizing customer service and local market knowledge, which is a competitive advantage over larger national banks.
Total Addressable Market (TAM)
The TAM for banking services in the regions Arrow serves is substantial, encompassing all individuals and businesses requiring financial services. Arrow's positioning allows them to capture a segment of this market through personalized service.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Customer-centric approach
- Experienced management team
- Diversified product offerings
Weaknesses
- Limited geographic reach compared to national banks
- Potential for higher operating costs relative to larger institutions
- Reliance on traditional banking models
Opportunities
- Expanding into new markets within the region
- Leveraging technology to enhance customer experience
- Offering specialized services to niche markets
- Acquiring smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan quality
- Rising interest rates affecting profitability
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
- USB
- MTB
Competitive Landscape
Arrow Financial Corporation benefits from its strong local presence and customer-focused approach. However, it faces challenges from larger competitors with greater resources and broader service offerings.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require specific financial data over past years.
Future Projections: Future growth projections are based on analyst estimates and company guidance, which are not accessible without financial databases.
Recent Initiatives: Recent initiatives require company press releases and investor relations materials.
Summary
Arrow Financial Corporation operates as a community-focused bank with a strong presence in its local markets. The company benefits from its customer-centric approach and diversified product offerings. It faces competition from larger banks and needs to adapt to evolving technology trends. Maintaining asset quality and managing operating costs are critical for success. Their growth depends on careful expansion and embracing digital innovation.
Similar Companies
- MTB
- CFR
- FCNCA
- WSFS
- PBCT
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Arrow Financial Corporation
Exchange NASDAQ | Headquaters Glens Falls, NY, United States | ||
IPO Launch date 1984-09-07 | CEO, President & Director Mr. David S. DeMarco | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 554 | Website https://www.arrowfinancial.com |
Full time employees 554 | Website https://www.arrowfinancial.com | ||
Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the Unites States. 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, as well as maintains an indirect lending program. In addition, it provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Further, the company 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. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.
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