Profitability
Weight: 25%
C-
49
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend -6.39 pp/yr
AROW
Arrow Financial Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B-
68
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 10.0%
- 5yr Share-Count CAGR -0.8%
Growth Quality
Weight: 10%
B
70
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 16.6%
- 5yr EPS CAGR -2.4%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
92
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.08x
Balance Sheet
Weight: 30%
C+
57
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 9.7%
- Interest Coverage (EBIT/Int) 0.72x
Stability
Weight: 10%
B+
78
- EPS Volatility (σ/μ) 0.23
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Cooperman new