Arrow Financial Past Earnings Performance
Past criteria checks 1/6
Arrow Financial's earnings have been declining at an average annual rate of -3.2%, while the Banks industry saw earnings growing at 17.4% annually. Revenues have been growing at an average rate of 3.5% per year. Arrow Financial's return on equity is 8.4%, and it has net margins of 24.2%.
Key information
-3.2%
Earnings growth rate
-3.3%
EPS growth rate
| Banks Industry Growth | 10.6% |
| Revenue growth rate | 3.5% |
| Return on equity | 8.4% |
| Net Margin | 24.2% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Arrow Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 136 | 33 | 78 | 0 |
| 30 Jun 24 | 134 | 32 | 76 | 0 |
| 31 Mar 24 | 131 | 29 | 74 | 0 |
| 31 Dec 23 | 131 | 30 | 73 | 0 |
| 30 Sep 23 | 134 | 34 | 72 | 0 |
| 30 Jun 23 | 138 | 39 | 73 | 0 |
| 31 Mar 23 | 142 | 45 | 72 | 0 |
| 31 Dec 22 | 144 | 49 | 71 | 0 |
| 30 Sep 22 | 142 | 47 | 70 | 0 |
| 30 Jun 22 | 142 | 48 | 68 | 0 |
| 31 Mar 22 | 142 | 49 | 67 | 0 |
| 31 Dec 21 | 142 | 50 | 67 | 0 |
| 30 Sep 21 | 143 | 52 | 66 | 0 |
| 30 Jun 21 | 138 | 50 | 64 | 0 |
| 31 Mar 21 | 130 | 46 | 63 | 0 |
| 31 Dec 20 | 123 | 41 | 62 | 0 |
| 30 Sep 20 | 118 | 38 | 60 | 0 |
| 30 Jun 20 | 116 | 37 | 60 | 0 |
| 31 Mar 20 | 115 | 37 | 59 | 0 |
| 31 Dec 19 | 115 | 37 | 58 | 0 |
| 30 Sep 19 | 113 | 36 | 58 | 0 |
| 30 Jun 19 | 111 | 36 | 57 | 0 |
| 31 Mar 19 | 111 | 36 | 57 | 0 |
| 31 Dec 18 | 110 | 36 | 56 | 0 |
| 30 Sep 18 | 108 | 36 | 54 | 0 |
| 30 Jun 18 | 107 | 34 | 52 | 0 |
| 31 Mar 18 | 104 | 31 | 50 | 0 |
| 31 Dec 17 | 103 | 29 | 54 | 0 |
| 30 Sep 17 | 101 | 28 | 48 | 0 |
| 30 Jun 17 | 100 | 27 | 47 | 0 |
| 31 Mar 17 | 98 | 27 | 46 | 0 |
| 31 Dec 16 | 97 | 27 | 45 | 0 |
| 30 Sep 16 | 96 | 27 | 44 | 0 |
| 30 Jun 16 | 95 | 26 | 44 | 0 |
| 31 Mar 16 | 94 | 25 | 44 | 0 |
| 31 Dec 15 | 93 | 25 | 43 | 0 |
| 30 Sep 15 | 92 | 24 | 42 | 0 |
| 30 Jun 15 | 91 | 25 | 41 | 0 |
| 31 Mar 15 | 89 | 24 | 41 | 0 |
| 31 Dec 14 | 88 | 23 | 41 | 0 |
| 30 Sep 14 | 87 | 23 | 41 | 0 |
| 30 Jun 14 | 85 | 22 | 41 | 0 |
| 31 Mar 14 | 84 | 22 | 40 | 0 |
| 31 Dec 13 | 84 | 22 | 40 | 0 |
Quality Earnings: BQE has high quality earnings.
Growing Profit Margin: BQE's current net profit margins (24.2%) are lower than last year (25.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BQE's earnings have declined by 3.2% per year over the past 5 years.
Accelerating Growth: BQE's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BQE had negative earnings growth (-4.3%) over the past year, making it difficult to compare to the Banks industry average (13%).
Return on Equity
High ROE: BQE's Return on Equity (8.4%) is considered low.