Arrow Financial vs FRP Holdings

Arrow Financial and FRP Holdings are compared on this page to explain business models, financial performance, and market context in neutral terms. The page presents information about how each company operates, their strategy, and the market environment for context. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AROW

Metric

FRPH

$532.90M

Market Cap

$449.60M

-1.41%

Potential Profit

N/A

Buy

Analyst Rating

N/A

Investment Analysis

Arrow Financial

AROW

Pros

Arrow Financial delivers consistent profitability with a trailing net income above $30 million and a dividend yield near 4%, signalling income stability.
The company operates with a conservative risk profile, evidenced by a beta below 1 and a well-diversified suite of regional banking products and services.
Recent financial performance shows modest top-line growth, with revenue rising despite a slight dip in net income, indicating resilient core operations.

Considerations

Arrow Financial’s return on assets and equity lag behind some regional bank peers, suggesting lower relative efficiency in deploying capital.
Analyst sentiment is neutral with a hold rating and a price target implying limited near-term upside from current levels.
The stock’s year-on-year performance has declined by over 10%, reflecting potential investor concerns about growth momentum or sector headwinds.

FRP Holdings

FRPH

Pros

FRP Holdings owns a diversified real estate portfolio including industrial, office, and land assets, providing multiple avenues for value creation and income.
The company maintains a strong balance sheet with low leverage, offering flexibility to opportunistically acquire or develop properties in varying market conditions.
FRP Holdings has a history of patient capital allocation, often holding assets for long-term appreciation, which may benefit from cyclical upturns in real estate.

Considerations

FRP Holdings’ earnings stream can be lumpy and project-dependent, leading to inconsistent quarterly results compared to more predictable operating businesses.
Exposure to cyclical real estate markets introduces potential volatility, particularly if economic growth slows or interest rates remain elevated for longer.
The company’s smaller market cap and lower trading liquidity may result in wider bid-ask spreads and reduced institutional investor interest.

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.

FRP Holdings (FRPH)

FRP Holdings Inc (FRPH) is a smaller-cap listed company (market capitalisation about $484.04M) that investors should approach with a focus on fundamental research. Public documentation — annual reports, quarterly filings and investor presentations — will best explain its operating activities, revenue streams and strategy. Key considerations include balance-sheet strength, cash flow generation, management track record and any sector-specific drivers or regulatory exposures. As a company of this size, FRPH may show greater share-price volatility and lower trading liquidity than large-cap peers, and its valuation metrics can swing materially as earnings and expectations change. Investors should compare FRPH’s financial ratios with relevant peers, watch for changes in leverage or dividend policy, and be mindful of concentration risks. This summary is for general, educational purposes only and not personalised investment advice; values can fall as well as rise and past performance is not a reliable indicator of future returns.

Which Baskets Do They Appear In?

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Which Baskets Do They Appear In?

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Comparison Snapshot

Investment Analysis

Arrow Financial

Pros

Considerations

FRP Holdings

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy AROW or FRPH in Nemo

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Trusted & Regulated

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Frequently asked questions

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Comparison Snapshot

About The Companies