Arrow Financial Corporation (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)90.45K
Market Cap
$545.21M
Enterprise Value$545.28M
Total Cash (Recent Filing)$29.13M
Total Debt (Recent Filing)$29.19M
Price to Earnings (P/E)11.8
Beta0.84
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. Volume86,311
30 Day Avg. Volume90,450
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/Revenue2.25
Enterprise Value/Gross Profit3.44
Enterprise Value/Ebitda9.16
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 Growing Tangible EquityA very low debt-to-equity ratio and a sizable, growing tangible equity base give Arrow durable capital resilience. That conservatism supports regulatory cushions, loss-absorbing capacity in downturns, ability to fund organic growth or M&A and underpins dividend policy over the medium term.
Steady Revenue Growth And Stronger Margins In 2025Consistent top-line growth alongside improved operating and net margins reflects durable core banking profitability driven by higher asset yields and improving funding costs. This strengthens net interest income reliability and provides ongoing cash flow potential if margins are sustained.
Strategic Acquisition And Dividend IncreaseThe Adirondack deal and a modest dividend raise signal strategic expansion and shareholder return discipline. Acquisition increases scale and local market density for cross-sell, while a higher payout reflects management confidence in recurring earnings and capital management over the next several quarters.
Bears Say
Sharp Deterioration In Operating And Free Cash FlowA collapse in operating/free cash flow despite reported earnings raises durable concerns about earnings quality and cash convertibility. Weak cash generation can strain the ability to fund dividends, organic investments or acquisitions without raising external capital, reducing financial flexibility.
Margin Volatility; Profitability Below Prior-cycle PeaksThough profitability recovered, material compression from prior-cycle net margins implies structural pressure on return generation. If higher funding costs, competition, or asset-yield pressures persist, restoring historical ROE will require sustained revenue gains or expense reduction, challenging medium-term earnings durability.
Acquisition Execution And Regulatory Approval RiskThe Adirondack transaction materially changes scale but depends on regulatory and shareholder approvals and post-close integration. Delays, approval conditions, or integration costs could dilute near-term returns, consume management bandwidth, and require additional capital or expense to realize projected synergies.
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 $22.72 and its highest was $36.44 in the past 12 months.
What is Arrow Financial Corporation’s market cap?
Arrow Financial Corporation’s market cap is $545.21M.
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 30 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
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5
6
7
8
9
10
Blogger Sentiment
Neutral
AROW Sentiment 50%
Sector Average 68%
Sector Average 68%
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
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 2.8%
Last 30 Days ▼ 2.8%
Technicals
SMA
Positive
20 days / 200 days
Momentum
28.99%
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
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Ownership Overview
3.10% Insiders
12.55% Mutual Funds
19.69% Other Institutional Investors
51.59% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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