COMP <GO>
AROW vs PFIS // NET PROFIT MARGIN
Arrow Financial Corporation (NASDAQ) VS. Peoples Financial Services Corp. (NASDAQ) • 15-METRIC TALLY: AROW 2
— PFIS 4
■ METRIC PARITY
LAST: $39.26 (+2.35%) • MKT CAP: $710.6M
net-margins
—
LAST: $74.92 (+6.54%) • MKT CAP: $703.9M
net-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AROW VS. PFIS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AROW | PFIS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.20% | 11.40% | -1.20 | PFIS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 5.05% | 6.06% | -1.01 | PFIS | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin ACTIVE | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 3.44% | -3.44 | PFIS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 4/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.3 | 52.2 | +3.10 | AROW | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.2x | 11.3x | +3.90 | PFIS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $710.6M | $703.9M | $6.6M | AROW | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AROW REV | PFIS REV | AROW GROSS % | PFIS GROSS % | AROW FCF | PFIS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.87B | $2.21B | — | — | $36.2M | $43.3M |
| FY 2024 | $1.81B | $2.14B | — | — | $28.9M | $32.1M |
| FY 2023 | $135.4M | $126.7M | — | — | $20.6M | $33.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AROW // BETA —
PFIS // BETA —