Arrow Financial Corporation (AROW)
NASDAQ:AROW
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AROW Stock Chart & Stats
$30.49
-$0.21(-0.79%)
At close: 4:00 PM EST
$30.49
-$0.21(-0.79%)
Day’s Range― - ―
52-Week Range$23.34 - $36.55
Previous CloseN/A
Volume7.32K
Average Volume (3M)95.84K
Market Cap
$596.90M
Enterprise Value$617.10M
Total Cash (Recent Filing)$29.13M
Total Debt (Recent Filing)$29.19M
Price to Earnings (P/E)9.2
Beta0.83
Next Earnings
Apr 28, 2026EPS Estimate
0.79Next Dividend Ex-DateN/A
Dividend Yield3.59%
Share Statistics
EPS (TTM)0.85
Shares Outstanding16,511,642
10 Day Avg. Volume118,815
30 Day Avg. Volume95,842
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)1.20
Price to Sales (P/S)2.14
P/FCF Ratio14.32
Enterprise Value/Market Cap1.03
Enterprise Value/Revenue2.54
Enterprise Value/Gross Profit3.90
Enterprise Value/Ebitda10.37
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.45
Revenue Forecast (FY)$182.50M
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet And Low LeverageArrow's very low leverage and growing equity base provide durable financial flexibility for lending, absorbing credit shocks, and funding strategic initiatives. A conservative capital position supports regulatory resilience and enables sustained dividends or M&A without over-reliance on volatile wholesale funding sources.
Record 2025 Earnings And Dividend IncreaseA record earnings year and a board-approved dividend increase reflect operational execution and management confidence. Sustained earnings-driven distributions indicate cash available for shareholders and signal that core banking operations (net interest income and margins) can support shareholder returns over the medium term.
Acquisition Expands Regional Footprint And GovernanceThe Adirondack acquisition is a structural growth move that increases scale, deposit and loan mix, and regional customer reach. Including Adirondack leadership and securing key shareholder lock-ups reduces integration uncertainty, enhancing long-term cross-sell potential and cost-synergy prospects if regulators approve.
Bears Say
Sharp 2025 Cash Flow DeteriorationOperating and free cash flow plunged in 2025, creating a disconnect between reported earnings and cash conversion. This reduces internal funding for growth, increases dependence on external financing for acquisitions or capital returns, and raises concern about the sustainability of reported profitability.
Margin Volatility And Compressed Profitability Versus Prior CycleProfitability has been cyclical and below prior-cycle peaks, indicating earnings are sensitive to funding costs, competition, and loan mix. Persistent margin compression limits durable earnings power and makes medium-term profit forecasts vulnerable to adverse rate movements or competitive pressure on spreads.
High Dependence On Net Interest Income And Rate SensitivityHeavy reliance on net interest income ties profitability tightly to interest rate levels, deposit pricing and asset yields. Structural sensitivity to funding costs and interest-rate shifts increases earnings volatility and complicates planning for dividends, loan growth, and margin recovery over the medium term.
Arrow Financial News
AROW FAQ
What was Arrow Financial Corporation’s price range in the past 12 months?
Arrow Financial Corporation lowest stock price was $23.34 and its highest was $36.55 in the past 12 months.
What is Arrow Financial Corporation’s market cap?
Arrow Financial Corporation’s market cap is $596.90M.
When is Arrow Financial Corporation’s upcoming earnings report date?
Arrow Financial Corporation’s upcoming earnings report date is Apr 28, 2026 which is in 8 days.
How were Arrow Financial Corporation’s earnings last quarter?
Arrow Financial Corporation released its earnings results on Jan 29, 2026. The company reported $0.85 earnings per share for the quarter, beating the consensus estimate of $0.8 by $0.05.
Is Arrow Financial Corporation overvalued?
According to Wall Street analysts Arrow Financial Corporation’s price is currently Overvalued.
Does Arrow Financial Corporation pay dividends?
Arrow Financial Corporation pays a Quarterly dividend of $0.29 which represents an annual dividend yield of 3.59%. See more information on Arrow Financial Corporation dividends here
What is Arrow Financial Corporation’s EPS estimate?
Arrow Financial Corporation’s EPS estimate is 0.79.
How many shares outstanding does Arrow Financial Corporation have?
Arrow Financial Corporation has 16,511,642 shares outstanding.
What happened to Arrow Financial Corporation’s price movement after its last earnings report?
Arrow Financial Corporation reported an EPS of $0.85 in its last earnings report, beating expectations of $0.8. Following the earnings report the stock price went up 2.143%.
Which hedge fund is a major shareholder of Arrow Financial Corporation?
Currently, no hedge funds are holding shares in AROW
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Arrow Financial Stock Smart Score
Neutral
1
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10
Blogger Sentiment
Neutral
AROW Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 4.2K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 2.9%
Last 30 Days ▼ 2.9%
Technicals
SMA
Positive
20 days / 200 days
Momentum
63.61%
12-Months-Change
Fundamentals
Return on Equity
10.58%
Trailing 12-Months
Asset Growth
3.24%
Trailing 12-Months
Company Description
Arrow Financial Corporation
Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and improvements to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses. In addition, it maintains an indirect lending program; and sells residential real estate loan originations into the secondary market. Further, the company provides retirement planning, trust, and estate administration services for individuals; and pension, profit-sharing, and employee benefit plan administration services for corporations. Additionally, it offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. The company operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, as well as surrounding areas. It owns 26 branch banking offices; and leases 12 branch banking offices, as well as two residential loan origination offices. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.
Technical Analysis
Ownership Overview
2.74% Insiders
12.46% Mutual Funds
0.09% Other Institutional Investors
71.78% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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