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AROW Stock Chart & Stats
$39.45
$0.70(1.77%)
At close: 4:00 PM EDT
$39.45
$0.70(1.77%)
Day’s Range― - ―
52-Week Range$25.88 - $42.70
Previous CloseN/A
Volume35.47K
Average Volume (3M)108.74K
Market Cap
$712.79M
Enterprise Value$979.18
Total Cash (Recent Filing)$30.88M
Total Debt (Recent Filing)$335.08M
Price to Earnings (P/E)12.3
Beta0.80
Next Earnings
Oct 27, 2026EPS Estimate
0.93Next Dividend Ex-DateN/A
Dividend Yield3.09%
Share Statistics
EPS (TTM)3.12
Shares Outstanding18,523,724
10 Day Avg. Volume96,440
30 Day Avg. Volume108,742
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$44.00Price Target Upside11.53% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.68
Revenue Forecast (FY)$208.20M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationStrong operating and free cash flow supports internal funding of growth, technology and integration needs. Free cash flow equaling about 87% of net income also indicates that reported earnings are converting into usable cash.
Acquisition Expands Regional ScaleThe completed acquisition materially expands Arrow’s branch network, deposits and lending footprint across northeastern New York. Greater scale can broaden product distribution, deepen customer relationships and improve the platform for commercial, insurance and wealth-management growth.
Profitable Core FranchiseDespite a tougher operating environment, Arrow remains meaningfully profitable and generates a solid return on equity. This earnings base provides resilience and gives management resources to absorb credit costs while investing in the enlarged banking franchise.
Bears Say
Revenue And Operating Margin PressureThe combination of falling revenue and materially lower operating margin signals weaker underlying momentum and less efficient earnings production. If sustained, it could constrain organic growth and reduce the benefits Arrow expects from its broader regional footprint.
Sharp Increase In LeverageThe abrupt leverage increase reduces balance-sheet flexibility and may increase sensitivity to funding costs, credit deterioration or weaker profitability. It could also limit the company’s capacity to pursue additional growth initiatives without preserving more capital.
Rising Credit Loss ExposureHigher provisions and a sizable commercial real estate reserve indicate that credit costs are becoming a more important earnings risk. Persistent deterioration in commercial borrowers could offset acquisition benefits and require additional capital or provisioning.
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 $25.88 and its highest was $42.70 in the past 12 months.
What is Arrow Financial Corporation’s market cap?
Arrow Financial Corporation’s market cap is $712.79M.
When is Arrow Financial Corporation’s upcoming earnings report date?
Arrow Financial Corporation’s upcoming earnings report date is Oct 27, 2026 which is in 63 days.
How were Arrow Financial Corporation’s earnings last quarter?
Arrow Financial Corporation released its earnings results on Jul 23, 2026. The company reported $0.71 earnings per share for the quarter, missing the consensus estimate of $0.85 by -$0.14.
Is Arrow Financial Corporation overvalued?
According to Wall Street analysts Arrow Financial Corporation’s price is currently Undervalued.
Does Arrow Financial Corporation pay dividends?
Arrow Financial Corporation pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 3.09%. See more information on Arrow Financial Corporation dividends here
What is Arrow Financial Corporation’s EPS estimate?
Arrow Financial Corporation’s EPS estimate is 0.93.
How many shares outstanding does Arrow Financial Corporation have?
Arrow Financial Corporation has 18,523,724 shares outstanding.
What happened to Arrow Financial Corporation’s price movement after its last earnings report?
Arrow Financial Corporation reported an EPS of $0.71 in its last earnings report, missing expectations of $0.85. Following the earnings report the stock price went down -3.904%.
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
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Analyst Consensus
Moderate Buy
Average Price Target:
$44.00 (11.53% Upside)
$44.00 (11.53% Upside)
Blogger Sentiment
Neutral
AROW Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 3.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $158.6K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 2.0%
Last 30 Days ▲ 8.4%
Last 30 Days ▲ 8.4%
Technicals
SMA
Positive
20 days / 200 days
Momentum
55.22%
12-Months-Change
Fundamentals
Return on Equity
3.09%
Trailing 12-Months
Asset Growth
1.53%
Trailing 12-Months
Company Description
Arrow Financial Corporation
Arrow Financial Corporation functions as a bank holding company, delivering a comprehensive suite of commercial and consumer banking services, alongside various financial products. Its core deposit offerings include conventional options like demand accounts, interest-bearing checking accounts, savings accounts, and diverse time deposits. The company's lending portfolio features commercial credit facilities such as term loans, time-based notes, and revolving lines of credit. It also extends financing for commercial real estate, encompassing property acquisitions, refinancing, expansions, and improvements, in addition to loans for commercial construction and land development. On the consumer side, Arrow Financial provides installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans. Residential real estate financing is another key component, offering mortgages, fixed home equity loans, and home equity lines of credit to support home improvements, debt consolidation, educational funding, and other personal requirements. Furthermore, the company operates an indirect lending program and actively sells its originated residential real estate loans into the secondary market. Beyond traditional banking, Arrow Financial offers comprehensive wealth management and trust services. This includes retirement planning, trust administration, and estate management for individuals, as well as pension, profit-sharing, and employee benefit plan administration for corporate clients. The corporation also operates an insurance agency, providing group health, life, and property and casualty policies. Additionally, it offers investment advisory services for its proprietary mutual funds and holds an interest in a real estate investment trust. The company's operational footprint spans the northeastern region of New York State, specifically serving Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, along with neighboring communities. Its physical infrastructure comprises 26 owned branch banking locations, 12 leased branch offices, and two dedicated residential loan origination centers. Established in 1851, Arrow Financial Corporation maintains its corporate headquarters in Glens Falls, New York.
AROW Stock 12 Month Forecast
Average Price Target
$44.00
▲(11.53% Upside)
Technical Analysis
Ownership Overview
2.47% Insiders
11.35% Mutual Funds
18.63% Other Institutional Investors
52.88% Public Companies and
Individual Investors