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AROW vs BGB

AROW
Arrow Financial Corporation
NEUTRAL
Price
$32.48
Market Cap
$534.1M
Sector
Financial Services
AI Confidence
78%
BGB
Blackstone Strategic Credit 2027 Term Fund
BEARISH
Price
$11.90
Market Cap
$531.5M
Sector
Financial Services
AI Confidence
78%

Valuation

P/E Ratio
AROW
12.26
BGB
11.55
Forward P/E
AROW
7.5
BGB
--
P/B Ratio
AROW
1.24
BGB
--
P/S Ratio
AROW
3.37
BGB
--
EV/EBITDA
AROW
--
BGB
--

Profitability

Gross Margin
AROW
0.0%
BGB
0.0%
Operating Margin
AROW
40.7%
BGB
0.0%
Profit Margin
AROW
27.76%
BGB
0.0%
ROE
AROW
10.56%
BGB
--
ROA
AROW
1.0%
BGB
--

Growth

Revenue Growth
AROW
37.0%
BGB
--
Earnings Growth
AROW
216.5%
BGB
--

Financial Health

Debt/Equity
AROW
--
BGB
--
Current Ratio
AROW
--
BGB
--
Quick Ratio
AROW
--
BGB
--

Dividends

Dividend Yield
AROW
3.69%
BGB
8.39%
Payout Ratio
AROW
43.02%
BGB
107.18%

AI Verdict

AROW NEUTRAL

AROW's Piotroski F-Score of 3/9 indicates weak financial health, signaling potential distress in operational efficiency and capital structure. The absence of an Altman Z-Score raises concern about bankruptcy risk, especially given the lack of available debt and liquidity metrics. Despite strong profitability (27.76% margin) and explosive earnings growth (216.5% YoY), the stock trades at a premium to its Graham Number ($39.57) and intrinsic value ($78.17), suggesting overvaluation relative to conservative valuation models. The technical trend is bearish, and insider activity is neutral, with no recent trades. Analyst consensus is a hold, reflecting cautious sentiment.

Strengths
Exceptional profit margin of 27.76% and high operating margin of 40.70%
Impressive earnings growth of 216.5% YoY and 213.5% Q/Q
Strong historical earnings beat rate (3 out of last 4 quarters) with average surprise of 11.81%
Risks
Piotroski F-Score of 3/9 indicates weak financial health and operational instability
No Altman Z-Score available, raising unquantified bankruptcy risk
Stock trades below intrinsic value ($78.17) but above Graham Number ($39.57), suggesting overvaluation relative to conservative benchmarks
BGB BEARISH

The Advanced Deterministic Scorecard reveals critical weaknesses in BGB's financial health, with a Piotroski F-Score of just 1/9 indicating severe operational and balance sheet distress. Despite a current price of $11.90 and a seemingly attractive P/E of 11.55, the complete absence of profitability across all margin metrics and a dangerously high payout ratio of 107.18% undermine sustainability. The lack of Altman Z-Score data prevents precise bankruptcy risk modeling, but the weak F-Score and negative cash flow indicators suggest elevated risk. While the 8.39% dividend yield appears appealing, it is not supported by earnings or cash flow, raising concerns about future cuts.

Strengths
High dividend yield of 8.39% offers income appeal in a low-yield environment
Trading at a discount to sector average P/E (11.55 vs 31.00), suggesting potential valuation appeal
Positive long-term price performance: +38.8% over 5 years and +43.3% over 3 years
Risks
Piotroski F-Score of 1/9 indicates severe financial distress and poor fundamental health
Payout ratio of 107.18% implies dividends are not covered by earnings, threatening sustainability
Zero profitability across all margin metrics (Profit, Operating, and Gross Margins all at 0.00%)

Compare Another Pair

AROW vs BGB: Head-to-Head Comparison

This page compares Arrow Financial Corporation (AROW) and Blackstone Strategic Credit 2027 Term Fund (BGB) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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