Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.08 | 29.72 | 15.29 | 10.23 | 9.24 | 9.07 | 10.16 | 17.30 | 26.58 | 13.27 | 12.77 | 13.90 | 15.52 | 9.25 | 13.96 | 12.09 | 11.59 | 9.58 | 10.41 | 10.05 | 13.39 |
| — | +227.6% | +50.5% | -40.8% | -65.3% | -31.6% | -20.4% | +24.4% | +71.3% | +43.4% | -8.6% | +15.0% | +34.0% | -3.5% | +34.1% | +20.3% | -13.5% | -7.7% | +1.2% | +5.5% | +48.7% | |
| P/S Ratio | 4.11 | 2.83 | 25.71 | 3.08 | 2.97 | 2.71 | 2.72 | 2.80 | 3.54 | 3.28 | 3.11 | 3.07 | 3.59 | 2.17 | 2.55 | 2.97 | 3.72 | 2.99 | 3.37 | 3.52 | 3.95 |
| — | +4.4% | +844.0% | +10.0% | -16.2% | -17.4% | -12.4% | -9.1% | -1.3% | +51.0% | +21.9% | +3.7% | -3.7% | -27.4% | -24.3% | -15.7% | -5.7% | -19.0% | -8.9% | -2.8% | +24.7% | |
| P/B Ratio | 1.47 | 1.32 | 1.51 | 1.25 | 1.19 | 1.11 | 1.07 | 1.08 | 1.20 | 1.22 | 1.14 | 1.12 | 1.25 | 0.81 | 0.92 | 1.14 | 1.59 | 1.34 | 1.39 | 1.42 | 1.48 |
| — | +18.8% | +41.0% | +15.4% | -0.4% | -8.9% | -5.8% | -2.9% | -4.2% | +51.4% | +23.2% | -1.7% | -21.4% | -39.9% | -33.7% | -19.9% | +7.4% | -10.0% | -9.9% | -3.6% | +10.0% | |
| P/FCF | 17.57 | — | 14.54 | 9.87 | 26.65 | 8.13 | 13.21 | 12.46 | 29.22 | 14.90 | 14.48 | 11.48 | — | 7.41 | 8.29 | 9.74 | 17.22 | 9.13 | 11.31 | 9.27 | 14.78 |
| — | — | +10.1% | -20.7% | -8.8% | -45.5% | -8.8% | +8.6% | — | +101.1% | +74.6% | +17.8% | — | -18.8% | -26.7% | +5.1% | +16.5% | -4.2% | +56.7% | +38.7% | +74.0% | |
| EV / EBITDA | 13.32 | 8.07 | — | 7.47 | 7.14 | 1.33 | 3.31 | 4.56 | 13.67 | 3.36 | 5.48 | 6.12 | 9.07 | 4.39 | 9.92 | 8.14 | 8.76 | 1.99 | 4.72 | 0.94 | 2.65 |
| — | +508.6% | — | +63.7% | -47.8% | -60.5% | -39.7% | -25.4% | +50.8% | -23.4% | -44.8% | -24.8% | +3.5% | +120.4% | +110.4% | +761.3% | +230.5% | +1273.1% | +162.3% | -44.9% | +23.6% | |
| EV / EBIT | 11.48 | 8.07 | — | 8.01 | 7.69 | 1.45 | 3.64 | 5.24 | 17.22 | 3.76 | 6.11 | 7.00 | 10.77 | 5.09 | 12.12 | 9.43 | 9.72 | 2.25 | 5.29 | 1.06 | 3.04 |
| — | +457.8% | — | +52.8% | -55.3% | -61.5% | -40.4% | -25.1% | +59.9% | -26.2% | -49.6% | -25.8% | +10.7% | +126.4% | +129.1% | +791.8% | +220.4% | +1289.8% | +164.0% | -44.7% | +24.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.6% | 97.6% | 92.0% | 98.8% | 98.1% | 98.1% | 98.5% | 87.2% | 91.6% | 97.4% | 97.8% | 98.2% | 98.4% | 98.9% | 97.1% | 95.5% | 96.3% | 95.6% | 97.5% | 97.9% | 98.4% |
| — | -0.5% | -6.6% | +13.3% | +7.1% | +0.7% | +0.8% | -11.2% | -6.9% | -1.5% | +0.7% | +2.8% | +2.2% | +3.5% | -0.5% | -2.4% | -2.2% | -4.2% | -1.8% | -3.9% | +1.9% | |
| Operating Margin | 33.4% | 11.4% | -250.4% | 38.8% | 38.6% | 38.7% | 34.6% | 20.7% | 15.4% | 31.5% | 31.2% | 28.2% | 28.3% | 28.7% | 23.4% | 31.4% | 41.2% | 40.2% | 42.2% | 45.2% | 38.4% |
| — | -70.6% | -823.4% | +86.8% | +150.8% | +22.8% | +11.0% | -26.5% | -45.7% | +10.1% | +33.2% | -10.1% | -31.2% | -28.7% | -44.6% | -30.5% | +7.1% | -13.1% | -11.0% | -6.1% | -15.3% | |
| Net Margin | 26.5% | 9.5% | 167.3% | 30.1% | 32.3% | 29.9% | 26.9% | 16.1% | 13.2% | 24.5% | 24.6% | 22.3% | 23.3% | 23.2% | 18.5% | 24.6% | 32.0% | 31.4% | 32.6% | 34.9% | 29.6% |
| — | -68.3% | +521.6% | +87.2% | +144.9% | +22.0% | +9.5% | -27.9% | -43.5% | +5.9% | +32.8% | -9.3% | -27.1% | -26.2% | -43.2% | -29.5% | +8.1% | -12.2% | -9.7% | -8.5% | -15.7% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.6% | 1.2% | 2.5% | 3.1% | 3.3% | 3.1% | 2.7% | 1.6% | 1.1% | 2.3% | 2.3% | 2.0% | 2.1% | 2.1% | 1.7% | 2.4% | 3.5% | 3.5% | 3.4% | 3.5% | 2.8% |
| — | -61.8% | -7.0% | +97.4% | +193.1% | +34.3% | +17.6% | -22.5% | -46.1% | +7.7% | +35.5% | -15.4% | -39.6% | -38.1% | -50.3% | -30.8% | +22.7% | -4.9% | -12.1% | -12.0% | -25.5% | |
| ROA | 1.0% | 0.1% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | -60.1% | -0.1% | +108.7% | +202.7% | +37.4% | +21.5% | -20.0% | -44.0% | +12.2% | +36.3% | -14.9% | -37.9% | -37.5% | -49.9% | -31.1% | +15.8% | -9.3% | -13.7% | -12.1% | -23.9% | |
| ROIC | 9.3% | 0.7% | -2.0% | 2.8% | 2.8% | 2.8% | 2.4% | 1.4% | 0.9% | 2.1% | 1.8% | 1.5% | 1.4% | 1.3% | 1.0% | 1.6% | 2.7% | 2.9% | 2.9% | 2.9% | 2.3% |
| — | -75.8% | -182.8% | +99.0% | +204.5% | +36.2% | +33.7% | -7.5% | -34.7% | +62.1% | +75.9% | -5.3% | -48.9% | -56.4% | -64.8% | -44.5% | +18.7% | -0.9% | -7.7% | -3.6% | -14.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.42 | 0.75 | 0.08 | 0.07 | 0.07 | 0.08 | 0.08 | 0.08 | 0.09 | 0.08 | 0.35 | 0.19 | 0.55 | 0.58 | 0.56 | 0.30 | 0.15 | 0.14 | 0.14 | 0.19 |
| — | +506.4% | +813.6% | -6.7% | -19.4% | -18.2% | -0.2% | -76.1% | -55.5% | -84.6% | -85.9% | -37.7% | -37.7% | +281.7% | +314.8% | +297.7% | +60.0% | -28.0% | -32.2% | -37.6% | -27.9% | |
| Debt / EBITDA | 0.48 | 8.33 | — | 1.83 | 1.62 | 1.61 | 2.19 | 3.60 | 5.11 | 2.61 | 2.59 | 11.88 | 6.43 | 17.96 | 22.58 | 16.03 | 6.20 | 2.85 | 2.88 | 2.75 | 4.58 |
| — | +417.0% | — | -49.0% | -68.4% | -38.1% | -15.4% | -69.7% | -20.5% | -85.5% | -88.5% | -25.9% | +3.6% | +529.7% | +684.4% | +482.2% | +35.2% | -26.3% | -23.5% | -33.2% | -4.2% | |
| Current Ratio | 0.04 | — | 0.01 | 25.33 | 0.04 | 0.22 | 0.18 | 0.19 | 0.16 | 0.20 | 0.18 | 0.20 | 0.17 | 0.22 | 0.20 | 0.21 | 0.18 | 0.25 | 0.23 | 0.29 | 0.29 |
| — | — | -95.7% | +13351.2% | -75.0% | +11.0% | +3.1% | -4.9% | -6.6% | -8.8% | -9.7% | -7.8% | -4.6% | -11.2% | -13.3% | -25.4% | -36.8% | -16.9% | -15.2% | +8.8% | +24.8% | |
| Quick Ratio | 0.04 | — | 0.01 | 25.33 | 0.04 | 0.22 | 0.18 | 0.19 | 0.16 | 0.20 | 0.18 | 0.20 | 0.17 | 0.22 | 0.20 | 0.21 | 0.18 | 0.25 | 0.23 | 0.29 | 0.29 |
| — | — | -95.7% | +13351.2% | -75.0% | +11.0% | +3.1% | -4.9% | -6.6% | -8.8% | -9.7% | -7.8% | -4.6% | -11.2% | -13.3% | -25.4% | -36.8% | -16.9% | -15.2% | +8.8% | +24.8% | |
| Interest Coverage | 0.72 | 1.35 | -0.93 | 0.98 | 0.86 | 0.85 | 0.73 | 0.43 | 0.25 | 0.55 | 0.52 | 0.48 | 0.50 | 0.57 | 0.54 | 1.36 | 2.92 | 4.71 | 9.99 | 14.50 | 11.61 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying AROW stock.
Arrow Financial Corporation's current P/E is 16.1x. The average P/E over the last 4 quarters is 16.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Arrow Financial Corporation's current operating margin is 33.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Arrow Financial Corporation's business trajectory between earnings reports.