Arrow Financial vs First Foundation

This page compares Arrow Financial (ARROW FINANCIAL CORP) and First Foundation (First Foundation Inc), examining their business models, financial performance, and market context in a neutral, accessible way. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AROW

Metric

FFWM

$532.90M

Market Cap

$506.42M

-1.41%

Potential Profit

24.21%

Buy

Analyst Rating

Buy

Investment Analysis

Arrow Financial

AROW

Pros

Arrow Financial has a strong net profit margin of 23.44%, indicating efficient management and profitability.
It has a very low debt-to-equity ratio of 5.8%, reflecting a conservative balance sheet and low financial risk.
The company has demonstrated steady revenue growth with a 17.94% increase in the latest quarter and a 5.15% year-over-year rise in trailing twelve months revenue.

Considerations

The return on equity is moderate at 8.13%, which is below some regional bank peers, suggesting room for improvement in capital efficiency.
Despite good fundamentals, the stock price showed recent volatility with a decline of 2.71% in a single day.
Arrow Financial operates regionally in northeastern New York, which may limit growth opportunities compared to larger national banks.

First Foundation

FFWM

Pros

First Foundation has a diversified business model encompassing banking and wealth management services, spreading income sources.
The company has shown recent growth in assets and loans, supporting potential future revenue increases.
It maintains a focus on technology-driven client solutions, enhancing customer experience and operational efficiency.

Considerations

First Foundation faces competitive pressure in its regional markets, which could impact margin expansion.
The bank's asset size is smaller compared to larger competitors, possibly limiting economies of scale and market influence.
Macroeconomic uncertainties and interest rate fluctuations create headwinds for loan growth and profitability.

About The Companies

Arrow Financial (AROW)

Arrow Financial Corporation is a US-based bank holding company with a strong regional focus. Through its main subsidiary banks, it provides a comprehensive suite of financial services to individuals and businesses across New York State, from the capital region up to the Canadian border. Its operations are quite diverse, extending beyond traditional banking to include wealth management, trust services, and insurance products like property, casualty, and health insurance. The organisation also engages in indirect consumer lending for automobiles in New York and Vermont. This multi-faceted business model means it has several avenues for generating revenue. As with any financial institution, its performance can be influenced by regional economic trends and interest rate changes. Investors considering this stock should be aware that all investments carry risk, and past performance is not a guarantee of future returns.

First Foundation (FFWM)

First Foundation Inc. is a financial services firm that provides an integrated platform of services to individuals, businesses, and other organisations. The company operates through two primary segments: Banking and Wealth Management. Through its banking arm, it offers a suite of products, including loans, deposits, and treasury management. Its wealth management division focuses on investment advice, planning, and trust services. By combining these core financial disciplines, First Foundation aims to offer a comprehensive and seamless experience for its clients, from everyday banking needs to long-term financial planning. This integrated approach is designed to cater to a diverse clientele, including small-to-medium-sized businesses, professional firms, individuals, and families. As with any investment, the value can go down as well as up, and past performance is not a guide to the future.

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Comparison Snapshot