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Arrow Financial (AROW)
NASDAQ:AROW
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$22.72 - $36.44
Previous CloseN/A
Volume7.32K
Average Volume (3M)64.83K
Market Cap
$542.44M
Enterprise Value$542.50M
Total Cash (Recent Filing)$921.34M
Total Debt (Recent Filing)$29.19M
Price to Earnings (P/E)11.8
Beta0.86
Next Earnings
Apr 28, 2026EPS Estimate
0.79Next Dividend Ex-DateN/A
Dividend Yield3.59%
Share Statistics
EPS (TTM)0.85
Shares Outstanding16,442,453
10 Day Avg. Volume87,992
30 Day Avg. Volume64,831
Financial Highlights & Ratios
PEG Ratio28.63
Price to Book (P/B)1.20
Price to Sales (P/S)2.15
P/FCF Ratio16.65
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue2.31
Enterprise Value/Gross Profit3.70
Enterprise Value/Ebitda11.00
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.43
Revenue Forecast (FY)$182.30M
Bulls Say, Bears Say
Bulls Say
Conservative Capital StructureA very low debt-to-equity ratio indicates conservative leverage and strong capital buffers, giving the bank durable financial flexibility to absorb credit losses, fund organic growth, and pursue strategic initiatives without relying heavily on external debt markets over the next several quarters.
Strong Cash GenerationRobust free cash flow growth signals reliable internal funding for dividends, reinvestment, and balance sheet strengthening. Consistent FCF conversion supports sustainable shareholder distributions and capital allocation choices while reducing dependence on volatile external financing.
NIM Expansion & Operational IntegrationSustained net interest margin expansion plus completion of subsidiary system integration drove meaningful efficiency gains and a large EPS increase in 2025. These structural improvements enhance long-term net interest income stability and lower operating cost per unit of business.
Bears Say
Declining Gross Margin TrendA declining gross profit margin points to rising funding or operating costs that could compress earnings if not offset by higher yields or cost reductions. Over several quarters this trend can erode operating leverage and limit the durability of reported profitability gains.
Moderate Return On EquityAn ROE under 10% despite a strong equity base suggests limited capital efficiency. Over the medium term this may constrain shareholder returns and indicate room for more effective deployment of capital through higher-yielding loans, fee businesses, or strategic initiatives.
Modest Revenue GrowthLow single-digit revenue growth implies limited top-line momentum absent new product lines or market expansion. Persistently modest revenue growth makes earnings gains more dependent on margin improvement or capital deployment rather than broad-based business expansion.
Arrow Financial News
AROW FAQ
What was Arrow Financial’s price range in the past 12 months?
Arrow Financial lowest stock price was $22.72 and its highest was $36.44 in the past 12 months.
What is Arrow Financial’s market cap?
Arrow Financial’s market cap is $542.44M.
When is Arrow Financial’s upcoming earnings report date?
Arrow Financial’s upcoming earnings report date is Apr 28, 2026 which is in 53 days.
How were Arrow Financial’s earnings last quarter?
Arrow Financial 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 overvalued?
According to Wall Street analysts Arrow Financial’s price is currently Overvalued.
Does Arrow Financial pay dividends?
Arrow Financial pays a Quarterly dividend of $0.29 which represents an annual dividend yield of 3.59%. See more information on Arrow Financial dividends here
What is Arrow Financial’s EPS estimate?
Arrow Financial’s EPS estimate is 0.79.
How many shares outstanding does Arrow Financial have?
Arrow Financial has 16,442,453 shares outstanding.
What happened to Arrow Financial’s price movement after its last earnings report?
Arrow Financial 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?
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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3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
AROW Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 4.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $96.5K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.22%
12-Months-Change
Fundamentals
Return on Equity
8.49%
Trailing 12-Months
Asset Growth
3.98%
Trailing 12-Months
Company Description
Arrow Financial
Arrow Financial Corporation (AROW) is a diversified financial services company that operates primarily in the banking and insurance sectors. It offers a range of banking products including loans, savings accounts, and mortgages through its subsidiaries. Additionally, Arrow Financial provides various insurance products, including life, health, and property insurance, catering to both individual and business clients. The company is committed to delivering tailored financial solutions and fostering strong relationships with its customers.
Technical Analysis
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First Foundation
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Ownership Overview
3.11% Insiders
12.64% Mutual Funds
13.97% Other Institutional Investors
57.07% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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