No connection

Search Results

AROW vs SFST

AROW
Arrow Financial Corporation
NEUTRAL
Price
$32.48
Market Cap
$534.1M
Sector
Financial Services
AI Confidence
78%
SFST
Southern First Bancshares, Inc.
NEUTRAL
Price
$56.68
Market Cap
$535.9M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AROW
12.26
SFST
13.31
Forward P/E
AROW
7.5
SFST
8.61
P/B Ratio
AROW
1.24
SFST
1.26
P/S Ratio
AROW
3.37
SFST
4.4
EV/EBITDA
AROW
--
SFST
--

Profitability

Gross Margin
AROW
0.0%
SFST
0.0%
Operating Margin
AROW
40.7%
SFST
41.16%
Profit Margin
AROW
27.76%
SFST
28.7%
ROE
AROW
10.56%
SFST
9.76%
ROA
AROW
1.0%
SFST
0.79%

Growth

Revenue Growth
AROW
37.0%
SFST
26.2%
Earnings Growth
AROW
216.5%
SFST
83.1%

Financial Health

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

Dividends

Dividend Yield
AROW
3.69%
SFST
--
Payout Ratio
AROW
43.02%
SFST
0.0%

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
SFST NEUTRAL

SFST presents a conflicting profile characterized by a weak Piotroski F-Score of 2/9, indicating significant deterioration in fundamental financial health. Despite this, the stock appears undervalued, trading at $56.68, which is below both its Graham Number ($65.59) and its growth-based Intrinsic Value ($125.67). While YoY earnings growth is exceptionally strong at 83.10%, this is offset by bearish insider selling and a very weak technical trend (10/100). The company is currently a high-growth value play with concerning underlying health metrics.

Strengths
Strong YoY earnings growth of 83.10%
Attractive valuation with a Forward P/E of 8.61
Trading below the defensive Graham Number of $65.59
Risks
Critical financial health warning with a Piotroski F-Score of 2/9
Bearish insider activity, including significant sales by the CEO
Very weak technical trend (10/100) suggesting downward momentum

Compare Another Pair

AROW vs SFST: Head-to-Head Comparison

This page compares Arrow Financial Corporation (AROW) and Southern First Bancshares, Inc. (SFST) 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.

Home
Terminal
AI Chat
Markets
Profile