Arrow Financial Corporation (AROW)
Banks - Regional · Financial Services · $642M
Intrinsic Value (Consensus)
$48.08
Current Price
$38.82
Margin of Safety
+23.9%
23.9% Below Intrinsic Value
Value: $48
Price: $39
Valuation Model Estimates
Current Price: $38.82
DCF (Discounted Cash Flow)
$51.64
Graham Number
$42.77
Earnings Power Value
$35.67
Relative Value (P/E)
$62.23
Dividend Discount Model
$9.40
Consensus Value
$48.08
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.5%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
69
Profitability
18/25
Strength
25/25
Valuation
19/25
Growth
7/25
Financial Health Signals
Low debt — conservative balance sheet
Key Financials
- EPS (TTM)
- $3.11
- EPS (Forward)
- $3.28
- Book Value
- $26.13
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 10.2%
- Debt/Equity
- 1%
- Revenue Growth
- N/A
- Earnings Growth
- 5.5%
- Dividend Yield
- 0.6%
- Beta
- 0.74
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Data last updated: 2026-06-21
Source: Yahoo Finance