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AROW vs NML

AROW
Arrow Financial Corporation
NEUTRAL
Price
$36.06
Market Cap
$596.0M
Sector
Financial Services
AI Confidence
80%
NML
Neuberger Berman Income Funds - Neuberger Energy Infrastructure and Income Fund Inc.
BEARISH
Price
$10.48
Market Cap
$593.8M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
AROW
13.61
NML
116.44
Forward P/E
AROW
8.33
NML
--
P/B Ratio
AROW
1.37
NML
--
P/S Ratio
AROW
3.76
NML
--
EV/EBITDA
AROW
--
NML
--

Profitability

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

Growth

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

Financial Health

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

Dividends

Dividend Yield
AROW
3.33%
NML
8.02%
Payout Ratio
AROW
43.02%
NML
778.67%

AI Verdict

AROW NEUTRAL

AROW presents a conflicting profile characterized by a weak Piotroski F-Score of 3/9, indicating deteriorating fundamental health, contrasted against strong valuation metrics. While the current price of $36.06 sits below both the Graham Number ($39.57) and the Intrinsic Value ($78.17), the bearish technical trend (10/100) suggests significant short-term momentum risk. Explosive YoY earnings growth of 216.5% is a primary driver, but the low health score and high PEG ratio suggest these gains may be volatile or unsustainable. Overall, the stock is a value play hampered by poor fundamental health indicators.

Strengths
Significant undervaluation relative to Graham Number ($39.57) and Intrinsic Value ($78.17)
Exceptional YoY earnings growth of 216.50%
Strong revenue growth of 37.00% YoY
Risks
Weak Piotroski F-Score (3/9) signaling poor financial health/efficiency
Severely bearish technical trend (10/100)
High PEG ratio (2.84) suggesting growth may be overpriced
NML BEARISH

NML exhibits severe fundamental weakness, highlighted by a critical Piotroski F-Score of 1/9, indicating poor financial health. The stock is drastically overvalued, with a current price of $10.48 compared to a growth-based intrinsic value of $0.63 and an extreme P/E ratio of 116.44. Furthermore, the dividend is fundamentally unsustainable, evidenced by a payout ratio of 778.67%. While historical price performance has been strong, the current technical trend is bearish and the underlying profitability is non-existent.

Strengths
Strong 5-year price appreciation (+233.5%)
Attractive headline dividend yield of 8.02%
Positive 1-year price momentum (+38.7%)
Risks
Extreme overvaluation relative to intrinsic value ($10.48 vs $0.63)
Unsustainable dividend payout ratio (778.67%)
Critical financial health failure (Piotroski F-Score 1/9)

Compare Another Pair

AROW vs NML: Head-to-Head Comparison

This page compares Arrow Financial Corporation (AROW) and Neuberger Berman Income Funds - Neuberger Energy Infrastructure and Income Fund Inc. (NML) 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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