Arrow Financial Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Arrow Financial Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 11% in 3 years, but profit fell: $30 less profit per $100 of extra sales. Lower than 89% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
−$30Sales grew 11% in 3 years, but profit fell: $30 less profit per $100 of extra sales.
Lower than 89% of Financial Services companies in United States.
Asset Productivity Ratio
+11% / +12%In 3 years sales changed by +11% while total assets changed by +12%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 80% of Financial Services companies in United States.
Tangible Net Worth Ratio
94%Of every $100 of net worth, $94 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 74% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Arrow Financial Corporation owes $0.90 for every $1 it owns. Net profit rose 48% in the year to Dec 2025, and shrank 3% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.3Investors pay $12.3 for every $1 of Arrow Financial Corporation's yearly profit, lower than 53% of Financial Services companies in United States.
P/B ratio
1.58The share price is 1.58 times Arrow Financial Corporation's book value per share, higher than 71% of Financial Services companies in United States.
Market cap
$707 MThe total market value of all of Arrow Financial Corporation's shares at today's price (share price × number of shares), smaller than 51% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$446 MWhat Arrow Financial Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$24.09Net worth divided by the number of shares. The share price of $38.15 is 1.6 times this, which is the P/B above.
Return on equity (ROE)
12.0%Arrow Financial Corporation earned 12.0% on its shareholders' money over the last year, higher than 60% of Financial Services companies in United States.
Owes vs Owns
0.90×Arrow Financial Corporation owes $0.90 for every $1 it owns (high), higher than 81% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.23%Arrow Financial Corporation pays 3.23% of its share price as dividends a year, higher than 59% of dividend-paying Financial Services companies in United States.
Revenue growth
+18%Revenue rose 18% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
+48%Net profit rose 48% in the year to Dec 2025, and shrank 3% a year on average over 3 years.
Profit margin
26.5%Arrow Financial Corporation keeps $27 of every $100 of revenue as net profit.
Questions
What is Arrow Financial Corporation's P/E ratio?
Investors pay $12.3 for every $1 of Arrow Financial Corporation's yearly profit, lower than 53% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Arrow Financial Corporation: $707 M ÷ $446 M (30 Jun 2026) = 1.6.
What is Arrow Financial Corporation's return on equity?
Arrow Financial Corporation earned 12.0% on its shareholders' money over the last year, higher than 60% of Financial Services companies in United States.
How much does Arrow Financial Corporation owe compared with what it owns?
Arrow Financial Corporation owes $0.90 for every $1 it owns (high), higher than 81% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Arrow Financial Corporation pay a dividend?
Yes. Arrow Financial Corporation pays 3.23% of its share price as dividends a year, higher than 59% of dividend-paying Financial Services companies in United States.
Is Arrow Financial Corporation's revenue growing?
Revenue rose 18% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.