Three independent discounted-cash-flow-style models value Arrow Financial Corp every trading day. 2 of 3 currently price AROW above its market price.
| Free Cash Flow model | $94.49 |
| Excess Profit model | $93.21 |
| Residual Earnings model | $15.61 |
| Dividend Discount model | $20.88 |
| Piotroski F-Score | 5 / 9 |
| Return on invested capital | +21.4% |
| Net debt / EBITDA | -2.0× |
| Gross margin | +100.0% |
| Revenue CAGR | -2.5% |
| Cash conversion | 0.7× |
| Dividend yield | +3.2% |
| Buyback yield | -3.2% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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