Company Quick10K Filing
Arrow Financial
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$0.00 15 $479
10-Q 2019-11-05 Quarter: 2019-09-30
10-Q 2019-08-05 Quarter: 2019-06-30
10-Q 2019-05-09 Quarter: 2019-03-31
10-K 2019-03-08 Annual: 2018-12-31
10-Q 2018-11-08 Quarter: 2018-09-30
10-Q 2018-08-08 Quarter: 2018-06-30
10-Q 2018-05-09 Quarter: 2018-03-31
10-K 2018-03-12 Annual: 2017-12-31
10-Q 2017-11-07 Quarter: 2017-09-30
10-Q 2017-08-08 Quarter: 2017-06-30
10-Q 2017-05-09 Quarter: 2017-03-31
10-K 2017-03-14 Annual: 2016-12-31
10-Q 2016-11-09 Quarter: 2016-09-30
10-Q 2016-08-09 Quarter: 2016-06-30
10-Q 2016-05-10 Quarter: 2016-03-31
10-K 2016-03-10 Annual: 2015-12-31
10-Q 2015-11-06 Quarter: 2015-09-30
10-Q 2015-08-06 Quarter: 2015-06-30
10-Q 2015-05-08 Quarter: 2015-03-31
10-K 2015-03-13 Annual: 2014-12-31
10-Q 2014-11-07 Quarter: 2014-09-30
10-Q 2014-08-06 Quarter: 2014-06-30
10-Q 2014-05-08 Quarter: 2014-03-31
10-K 2014-03-17 Annual: 2013-12-31
10-Q 2013-11-12 Quarter: 2013-09-30
10-Q 2013-08-07 Quarter: 2013-06-30
10-Q 2013-05-09 Quarter: 2013-03-31
10-K 2013-03-15 Annual: 2012-12-31
10-Q 2012-11-08 Quarter: 2012-09-30
10-Q 2012-08-09 Quarter: 2012-06-30
10-Q 2012-05-08 Quarter: 2012-03-31
10-K 2012-03-14 Annual: 2011-12-31
10-Q 2011-11-08 Quarter: 2011-09-30
10-Q 2011-08-08 Quarter: 2011-06-30
10-Q 2011-05-10 Quarter: 2011-03-31
10-K 2011-03-10 Annual: 2010-12-31
10-Q 2010-11-05 Quarter: 2010-09-30
10-Q 2010-08-04 Quarter: 2010-06-30
10-Q 2010-05-07 Quarter: 2010-03-31
10-K 2010-03-05 Annual: 2009-12-31
8-K 2019-10-30 Other Events, Exhibits
8-K 2019-10-22 Earnings, Exhibits
8-K 2019-08-28 Other Events, Exhibits
8-K 2019-07-31 Other Events, Exhibits
8-K 2019-07-22 Earnings, Exhibits
8-K 2019-06-03 Amend Bylaw, Exhibits
8-K 2019-05-08 Shareholder Vote
8-K 2019-04-24 Other Events, Exhibits
8-K 2019-04-23 Earnings, Exhibits
8-K 2019-02-04 Officers, Other Events, Exhibits
8-K 2019-01-29 Earnings, Exhibits
8-K 2018-10-31 Other Events, Exhibits
8-K 2018-10-22 Earnings, Exhibits
8-K 2018-08-29 Other Events, Exhibits
8-K 2018-07-25 Other Events, Exhibits
8-K 2018-07-23 Earnings, Exhibits
8-K 2018-04-25 Shareholder Vote
8-K 2018-04-25 Other Events, Exhibits
8-K 2018-04-23 Earnings, Exhibits
8-K 2018-02-06 Officers, Exhibits
8-K 2018-01-31 Other Events, Exhibits
8-K 2018-01-30 Earnings, Exhibits

Arrow Financial Financials

AROW Metrics, Comps, Filings

Annual | Quarterly

Business

Our holding company, Arrow Financial Corporation, a New York corporation, was incorporated on March 21, 1983 and is registered as a bank holding company within the meaning of the Bank Holding Company Act of 1956. Arrow owns two nationally- chartered banks in New York (Glens Falls National and Saratoga National), and through such banks indirectly owns various non-

bank subsidiaries, including an insurance agency, a registered investment adviser and a REIT. See "The Company and Its Subsidiaries," above.

Copy History Subsidiary Banks (dollars in thousands) Glens Falls National Saratoga NationalTotal Assets at Year-End$2,444,624 $542,244Trust Assets Under Administration and Investment Management at Year-End (Not Included in Total Assets)$1,282,364 $103,388Date Organized1851 1988Employees (full-time equivalent)462 54Offices30 10Counties of OperationWarren, Washington,Saratoga, Essex &Clinton Saratoga, Albany,Rensselaer, & SchenectadyMain Office250 Glen StreetGlens Falls, NY 171 So. BroadwaySaratoga Springs, NY


Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Stockholders' Equity

Income Statement ($BB Annual)

Revenue, Gross Profit, Net Income

Cash Flow ($BB Annual)

Operating, Investing, Financing

Comps ($MM TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
People's Utah Bancorp (PUB) 555 9.2 2% 2,312 1,999 0 0 43 60 555
QCR Holdings (QCRH) 548 0% 3.8 1% 5,195 4,691 262 0 49 121 460
Mercantile Bank (MBWM) 530 6.3 1% 3,576 3,176 0 0 45 84 530
Heritage Commerce (HTBK) 528 0% 3.0 2% 3,108 2,720 5 0 49 84 252
First of Long Island (FLIC) 527 0% 8.9 1% 4,202 3,811 2 0 42 92 818
First Community Bancshares (FCBC) 516 6.6 2% 2,212 1,878 0 0 38 54 359
Independent Bank (IBCP) 509 0% 6.2 1% 3,438 3,107 27 0 42 73 454
Midwestone Financial Group (MOFG) 495 9.4 1% 4,662 4,174 0 0 32 79 748
First Financial (THFF) 492 6.4 1% 3,064 2,586 0 0 45 67 431
Merchants Bancorp (MBIN) 485 0.6 1% 5,287 4,772 0 0 59 153 86
Arrow Financial (AROW) 479 6.1 1% 3,006 2,721 0 0 36 68 416
Financial Institutions (FISI) 448 5.1 1% 4,314 3,892 0 0 41 95 487
Old Line (OLBK) 448 5.3 1% 3,076 2,686 0 0 36 81 427
Capital City Bank Group (CCBG) 446 10.3 1% 3,018 2,703 0 0 28 43 446
Equity Bancshares (EQBK) 421 2.8 1% 4,180 3,722 0 0 25 86 239
Atlantic Capital Bancshares (ACBI) 416 5.0 2% 2,390 2,053 0 0 50 78 388
Sierra Bancorp (BSRR) 412 5.9 1% 2,577 2,280 0 0 33 59 344
Franklin Financial Network (FSB) 412 2.3 1% 4,072 3,678 0 0 22 112 261
Farmers National Banc (FMNB) 408 6.8 1% 2,406 2,121 0 0 34 61 413
CNB Financial (CCNE) 406 4.3 1% 3,401 3,114 0 0 37 85 368

Balance Sheet ($MM)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash442332023293141
Accounts Receivable
Inventory
PP&E2329572827272830
Assets1,9632022182272392572732,988
Accounts Payable
Long-Term Debt30201055555545
Liabilities1,7962726262524242,719
Stockholders' Equity166176192201214233250270
Income Statement ($MM)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Revenue
Cost of Revenue
Gross Profit
R&D
SG&A1111111
Tax10-1810912119
Net Income2222222325272936
Cash Flow ($MM)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash Operating3611121312111142
Cash Investing-45000001-228
Cash Financing21-12-11-13-12-10-13197