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Arrow Financial

Filings

10-Q	2020-03-31	Filed 2020-05-07
10-K	2019-12-31	Filed 2020-02-28
10-Q	2019-09-30	Filed 2019-11-05
10-Q	2019-06-30	Filed 2019-08-05
10-Q	2019-03-31	Filed 2019-05-09
10-K	2018-12-31	Filed 2019-03-08
10-Q	2018-09-30	Filed 2018-11-08
10-Q	2018-06-30	Filed 2018-08-08
10-Q	2018-03-31	Filed 2018-05-09
10-K	2017-12-31	Filed 2018-03-12
10-Q	2017-09-30	Filed 2017-11-07
10-Q	2017-06-30	Filed 2017-08-08
10-Q	2017-03-31	Filed 2017-05-09
10-K	2016-12-31	Filed 2017-03-14
10-Q	2016-09-30	Filed 2016-11-09
10-Q	2016-06-30	Filed 2016-08-09
10-Q	2016-03-31	Filed 2016-05-10
10-K	2015-12-31	Filed 2016-03-10
10-Q	2015-09-30	Filed 2015-11-06
10-Q	2015-06-30	Filed 2015-08-06
10-Q	2015-03-31	Filed 2015-05-08
10-K	2014-12-31	Filed 2015-03-13
10-Q	2014-09-30	Filed 2014-11-07
10-Q	2014-06-30	Filed 2014-08-06
10-Q	2014-03-31	Filed 2014-05-08
10-K	2013-12-31	Filed 2014-03-17
10-Q	2013-09-30	Filed 2013-11-12
10-Q	2013-06-30	Filed 2013-08-07
10-Q	2013-03-31	Filed 2013-05-09
10-K	2012-12-31	Filed 2013-03-15
10-Q	2012-09-30	Filed 2012-11-08
10-Q	2012-06-30	Filed 2012-08-09
10-Q	2012-03-31	Filed 2012-05-08
10-K	2011-12-31	Filed 2012-03-14
10-Q	2011-09-30	Filed 2011-11-08
10-Q	2011-06-30	Filed 2011-08-08
10-Q	2011-03-31	Filed 2011-05-10
10-K	2010-12-31	Filed 2011-03-10
10-Q	2010-09-30	Filed 2010-11-05
10-Q	2010-06-30	Filed 2010-08-04
10-Q	2010-03-31	Filed 2010-05-07
10-K	2009-12-31	Filed 2010-03-05

Reports

8-K	2020-07-29	Other Events, Exhibits
8-K	2020-07-21	Earnings, Exhibits
8-K	2020-05-07
8-K	2020-04-30
8-K	2020-04-24
8-K	2020-04-23
8-K	2020-02-03
8-K	2020-01-28
8-K	2019-10-30
8-K	2019-10-22
8-K	2019-08-28
8-K	2019-07-31
8-K	2019-07-22
8-K	2019-06-03
8-K	2019-05-08
8-K	2019-04-24
8-K	2019-04-23
8-K	2019-02-04
8-K	2019-01-29
8-K	2018-10-31
8-K	2018-10-22
8-K	2018-08-29
8-K	2018-07-25
8-K	2018-07-23
8-K	2018-04-25
8-K	2018-04-25
8-K	2018-04-23
8-K	2018-02-06
8-K	2018-01-31
8-K	2018-01-30

Arrow Financial Financials

AROW Metrics, Comps, Filings

Quarterly | Annual

Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Equity

Income Statement ($BB Quarterly)

Revenue, G Profit, Net Income

Cash Flow ($BB Quarterly)

Ops, Inv, Fin


Comps ($MM TTM)	Market Cap	Gross Margin	EV/EBITDA	Ret on Assets	Assets	Liabilities	Revenue	G Profit	Net Income	EBITDA	EV
The Bancorp (TBBK)	585		-6.5	0%	4,944	4,459	0	0	7	57	-371
First Mid Illinois Bancshares (FMBH)	580		6.2	1%	3,838	3,316	0	0	36	76	472
First Bancshares (FBMS)	580		8.5	1%	3,482	3,004	0	0	32	68	580
First of Long Island (FLIC)	574	0%	9.2	1%	4,163	3,774	2	0	42	94	871
People's Utah Bancorp (PUB)	550		3.5	2%	2,444	2,122	0	0	43	59	210
Mercantile Bank (MBWM)	550		6.7	1%	3,710	3,303	0	0	48	82	550
First Financial (THFF)	549		6.8	1%	3,988	3,432	0	0	46	69	469
Heritage Commerce (HTBK)	517	0%	1.2	2%	3,182	2,787	3	0	48	83	101
First Community Bancshares (FCBC)	507		5.9	2%	2,205	1,868	0	0	39	55	324
Arrow Financial (AROW)	501		7.4	1%	3,113	2,821	0	0	28	55	409
Independent Bank (IBCP)	501	0%	6.9	1%	3,551	3,211	19	0	33	61	418
Financial Institutions (FISI)	500		4.8	1%	4,333	3,900	0	0	36	83	403
Old Line (OLBK)	499		8.0	1%	3,097	2,699	0	0	27	62	491
Merchants Bancorp (MBIN)	497		1.7	1%	6,337	5,708	0	0	63	169	292
Midwestone Financial Group (MOFG)	495		8.2	1%	4,648	4,150	0	0	38	90	740
Franklin Financial Network (FSB)	464		2.6	1%	3,818	3,410	0	0	23	110	285
CNB Financial (CCNE)	450		5.1	1%	3,541	3,244	0	0	39	78	398
Capital City Bank Group (CCBG)	448		11.9	1%	2,935	2,613	0	0	22	38	448
Equity Bancshares (EQBK)	446		4.5	0%	4,075	3,608	0	0	16	61	278
Atlantic Capital Bancshares (ACBI)	425		6.0	2%	2,410	2,081	0	0	43	67	406


Balance Sheet ($MM)	2011-06-30	2011-12-31	2012-03-31	2012-06-30	2012-09-30	2012-12-31	2013-03-31	2013-06-30	2013-09-30	2013-12-31	2014-03-31	2014-06-30	2014-09-30	2014-12-31	2015-03-31	2015-06-30	2015-09-30	2015-12-31	2016-03-31	2016-06-30	2016-09-30	2016-12-31	2017-03-31	2017-06-30	2017-09-30	2017-12-31	2018-03-31	2018-06-30	2018-09-30	2018-12-31	2019-03-31	2019-06-30	2019-09-30
Cash		44	138	58	136	49	137	45	72	50	76	52	65	46	112	45	70	51	61		102	57	65	66	81	73	100	61	92	84	61	63	92
Accounts Receivable
Inventory
PP&E	19	23	23	25	27	55	29	29	29	57	29	28	28	58	28	29	28	59	27	27	27	60	27	27	26	63	28	28	29	67	35	39	40
Assets	1,902	1,963	2,020	1,967	2,041	2,023	2,116	2,083	2,157	2,164	2,222	2,153	2,209	2,217	2,336	2,333	2,420	2,446	2,479	2,540	2,580	2,605	2,656	2,722	2,744	2,760	2,827	2,845	2,953	2,988	2,985	3,006	3,113
Accounts Payable
Long-Term Debt						30				20				10				55				55				55				45
Liabilities	1,738	1,796	1,852	1,795	1,864	1,847	1,938	1,906	1,974	1,972	2,027	1,955	2,009	2,016	2,131	2,126	2,208	2,232	2,258	2,315	2,351	2,372	2,420	2,481	2,500	2,511	2,574	2,586	2,688	2,719	2,708	2,721	2,821
Stockholders' Equity	164	166	168	172	176	176	178	178	183	192	194	198	200	201	205	207	211	214	221	225	229	233	236	241	245	250	253	259	265	270	277	285	292


Income Statement ($MM)	2011-06-30	2011-12-31	2012-03-31	2012-06-30	2012-09-30	2012-12-31	2013-03-31	2013-06-30	2013-09-30	2013-12-31	2014-03-31	2014-06-30	2014-09-30	2014-12-31	2015-03-31	2015-06-30	2015-09-30	2015-12-31	2016-03-31	2016-06-30	2016-09-30	2016-12-31	2017-03-31	2017-06-30	2017-09-30	2017-12-31	2018-03-31	2018-06-30	2018-09-30	2018-12-31	2019-03-31	2019-06-30	2019-09-30
Revenue
Cost of Revenue
Gross Profit
R&D
SG&A
Tax	3		2	3	3	3	2	2	2	2	2	2	3	3	3	3	2	3	3	3	3	3	3	3	3	2	2	5	2		2	2	3
Net Income	6		5	6	6	6	5	5	6	6	5	6	6	6	6	6	6	7	7	7	7	7	7	7	7	8	9	10	9		9	9	10


Cash Flow ($MM)	2011-06-30	2011-12-31	2012-03-31	2012-06-30	2012-09-30	2012-12-31	2013-03-31	2013-06-30	2013-09-30	2013-12-31	2014-03-31	2014-06-30	2014-09-30	2014-12-31	2015-03-31	2015-06-30	2015-09-30	2015-12-31	2016-03-31	2016-06-30	2016-09-30	2016-12-31	2017-03-31	2017-06-30	2017-09-30	2017-12-31	2018-03-31	2018-06-30	2018-09-30	2018-12-31	2019-03-31	2019-06-30	2019-09-30
Cash Operating			9	8	9	6	10	9	8	10	8	6	7	9	9	5	6	9	10	5	10	10	10	9	8	11	12	9	13		11	10	12
Cash Investing			33	-28	3	-74	-8	-70	-45	-26	-33	43	-45	-33	-51	-65	-59	-54	-23	-55	-5	-75	-44	-67	-8	-30	-43	-60	-78		-8	-16	-76
Cash Financing			52	-60	66	-20	87	-31	65	-7	51	-74	50	6	108	-7	78	27	22	53	33	21	42	59	15	11	58	12	97		-25	7	94