AROW PEER ANALYSIS

Arrow Financial Corporation — metric-by-metric comparison with peers and the industry median

AROWArrow Financial Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

AROWIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	AROW	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
P/E	13.25	2.96●	9.16	13.38	20.06	15.65	12.88
P/B	1.54	0.71●	1.41	1.41	3.18	3.99	1.29
EV/EBITDA	9.74	2.21	-8.43	14.82	1.78	-9.21●	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	AROW	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Current Ratio	25.33●	—	0.25	0.12	—	—	0.31
Debt/Equity	7.8%	0.0%●	17.0%	209.8%	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	0.07	-0.47	-14.68	5.39	-13.41	-20.34●	-0.58

Profitability
Metric	AROW	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Net Margin	20.7%	54.9%●	20.1%	25.9%	14.2%	24.7%	20.6%
ROE	12.1%	27.4%	14.9%	10.6%	17.5%	28.9%●	10.9%
ROA	1.1%	3.7%●	0.8%	0.5%	1.2%	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	AROW	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	80.3%●	-1.3%	16.0%	16.2%	8.1%	—	19.4%
Div. Yield	2.8%	—	4.8%●	3.2%	—	—	2.5%
Payout	37.5%	—	—	—	—	—	31.4%

Valuation
Metric	AROW	PFIS	WASH	FMNB	TCBX	HIFS	Ind. Median
P/E	13.25	11.42	12.95	11.47	9.48●	13.94	12.88
P/B	1.54	1.28	1.25	0.86●	1.01	1.45	1.29
EV/EBITDA	9.74	11.18	18.04	14.05	0.84●	31.05	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	AROW	PFIS	WASH	FMNB	TCBX	HIFS	Ind. Median
Current Ratio	25.33	0.43	—	0.11	0.13	70.28●	0.31
Debt/Equity	7.8%●	59.8%	116.6%	58.2%	24.2%	292.9%	38.0%
NetDebt/EBITDA	0.07	3.07	8.42	5.38	-6.27●	20.74	-0.58

Profitability
Metric	AROW	PFIS	WASH	FMNB	TCBX	HIFS	Ind. Median
Net Margin	20.7%	20.7%	13.9%	20.2%	18.0%	22.1%●	20.6%
ROE	12.1%	11.7%	9.9%	9.6%	12.2%●	10.9%	10.9%
ROA	1.1%	1.1%	0.8%	0.9%	1.2%●	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	AROW	PFIS	WASH	FMNB	TCBX	HIFS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	80.3%	194.0%●	—	18.6%	35.7%	76.7%	19.4%
Div. Yield	2.8%	3.6%	6.1%●	4.6%	0.7%	0.8%	2.5%
Payout	37.5%	42.0%	82.1%	44.5%	6.9%	14.0%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

Go deeper on AROW

Run a DCF valuation

Full DCF model with editable assumptions

Start a head-to-head duel

Compare two stocks metric by metric

Filter in the stock screener

Build your own universe with 400+ metrics

Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.