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$24.57 - $38.09
Previous CloseN/A
Volume7.32K
Average Volume (3M)86.00K
Market Cap
$603.81M
Enterprise Value$603.88M
Total Cash (Recent Filing)$29.10M
Total Debt (Recent Filing)$29.17M
Price to Earnings (P/E)10.2
Beta0.85
Next Earnings
Jul 23, 2026EPS Estimate
0.83Next Dividend Ex-DateN/A
Dividend Yield3.59%
Share Statistics
EPS (TTM)3.10
Shares Outstanding16,529,018
10 Day Avg. Volume68,565
30 Day Avg. Volume85,998
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 Cap1.00
Enterprise Value/Revenue2.45
Enterprise Value/Gross Profit3.59
Enterprise Value/Ebitda8.94
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.65
Revenue Forecast (FY)$207.00M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetArrow’s leverage has materially declined (D/E ~0.07) while equity rose to roughly $432M. A stronger capital base increases resilience to credit cycles, supports lending capacity and M&A, and reduces refinancing and liquidity strain—providing durable stability over several quarters.
Improving Cash GenerationOperating and free cash flow roughly doubled into the TTM period, with FCF covering a large portion of net income historically. Strong, rising cash generation improves self-funding for dividends, branch integration and organic loan growth, reducing dependence on external funding over the medium term.
Scale Gain From Adirondack AcquisitionThe planned Adirondack acquisition meaningfully expands Arrow’s franchise (≈$950M assets, 19 branches), increasing scale in core New York markets. Greater scale can improve net interest income diversification, funding mix and potential efficiency gains, strengthening long-run competitive position if integrated well.
Bears Say
Earnings And Margin VolatilityArrow’s reported margins and earnings have shown notable cyclicality versus 2021–2022 peaks. Persistent volatility complicates forecasting and capital allocation, can compress return on equity in down cycles, and reduces predictability of long-term dividend and growth capacity over the coming months.
Erratic Cash-flow Coverage SignalsDespite rising absolute cash flow, coverage metrics are inconsistent and include an anomalous 0.0 TTM reading. This erratic signal limits confidence in cash conversion quality, raising the risk that cash available for dividends, loan growth or M&A could be less predictable than headline FCF implies.
Acquisition Execution And Regulatory RiskThe Adirondack merger materially changes scale but depends on shareholder votes and regulatory approvals; integration will consume management time and capital. If approvals are delayed or integration falters, expected scale and efficiency benefits may be reduced, creating execution risk over the next several quarters.
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 $24.57 and its highest was $38.09 in the past 12 months.
What is Arrow Financial Corporation’s market cap?
Arrow Financial Corporation’s market cap is $603.81M.
When is Arrow Financial Corporation’s upcoming earnings report date?
Arrow Financial Corporation’s upcoming earnings report date is Jul 23, 2026 which is in 63 days.
How were Arrow Financial Corporation’s earnings last quarter?
Arrow Financial Corporation released its earnings results on Apr 30, 2026. The company reported $0.85 earnings per share for the quarter, beating the consensus estimate of $0.79 by $0.06.
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 0.83.
How many shares outstanding does Arrow Financial Corporation have?
Arrow Financial Corporation has 16,529,018 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 $0.79. Following the earnings report the stock price went up 2.192%.
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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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
Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▲ 0.4%
Last 30 Days ▲ 0.4%
Technicals
SMA
Positive
20 days / 200 days
Momentum
42.69%
12-Months-Change
Fundamentals
Return on Equity
12.04%
Trailing 12-Months
Asset Growth
1.64%
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
12.50% Mutual Funds
15.30% Other Institutional Investors
55.78% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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