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 - $38.50
Previous CloseN/A
Volume7.32K
Average Volume (3M)68.41K
Market Cap
$629.92M
Enterprise Value$606.69M
Total Cash (Recent Filing)$29.10M
Total Debt (Recent Filing)$29.17M
Price to Earnings (P/E)12.2
Beta0.83
Next Earnings
Jul 23, 2026EPS Estimate
0.85Next Dividend Ex-DateN/A
Dividend Yield3.59%
Share Statistics
EPS (TTM)3.10
Shares Outstanding16,529,018
10 Day Avg. Volume60,755
30 Day Avg. Volume68,409
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 Cap0.96
Enterprise Value/Revenue2.46
Enterprise Value/Gross Profit3.60
Enterprise Value/Ebitda8.98
Forecast
1Y Price Target
$43.00Price Target Upside41.03% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.65
Revenue Forecast (FY)$207.00M
Bulls Say, Bears Say
Bulls Say
Conservative, Improving LeverageArrow’s materially lower leverage and steady equity growth create a durable capital buffer that reduces solvency and funding risk. A stronger capital base supports measured loan growth, maintains regulatory flexibility, underpins dividend capacity, and enables opportunistic M&A over the next several quarters.
Improving Cash Generation And FCF CoverageOperating and free cash flow have strengthened meaningfully, with FCF covering a high share of net income. This consistent cash conversion supports durable shareholder returns, funds organic loan growth and provides internal financing for investments without heavy reliance on external capital in the medium term.
Scale And Franchise Expansion Via Adirondack DealThe Adirondack acquisition materially increases scale, deposit funding and branch presence, enhancing commercial capabilities and cross‑sell of wealth and insurance services. Greater scale should improve fee diversification, funding stability and competitive positioning across the regional footprint over the next 2–6 months and beyond.
Bears Say
Earnings And Margin VolatilityDespite recent margin expansion, historical swings versus 2021–2022 show earnings are cyclical rather than steadily compounding. That volatility reduces multi‑quarter predictability, complicates capital allocation and makes returns sensitive to interest rate cycles, loan mix shifts and local market conditions.
Merger Integration And Execution RiskThe Adirondack deal increases strategic scale but brings execution risk: systems integration, cultural alignment, retention of customers and staff, and realization of synergies. These operational risks can depress near‑term efficiency and delay expected revenue or cost benefits, impacting earnings durability across quarters.
Uneven Cash-flow Coverage And Past Negative FCF YearCash generation improved but has shown notable variability, including a negative FCF growth year and an anomalous operating coverage metric. Inconsistent cash conversion reduces confidence in predictable internal funding for dividends, capital needs or acquisitions under stress, constraining planning flexibility.
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 $38.50 in the past 12 months.
What is Arrow Financial Corporation’s market cap?
Arrow Financial Corporation’s market cap is $629.92M.
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 40 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 Undervalued.
Does Arrow Financial Corporation pay dividends?
Arrow Financial Corporation pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 3.59%. See more information on Arrow Financial Corporation dividends here
What is Arrow Financial Corporation’s EPS estimate?
Arrow Financial Corporation’s EPS estimate is 0.85.
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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Analyst Consensus
Moderate Buy
Average Price Target:
$43.00 (41.03% Upside)
$43.00 (41.03% Upside)
Blogger Sentiment
Neutral
AROW Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 69.3K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 4.8%
Last 30 Days ▲ 1.5%
Last 30 Days ▲ 1.5%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
50.40%
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 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
$43.00
▲(41.03% Upside)
Technical Analysis
Ownership Overview
2.74% Insiders
12.52% Mutual Funds
15.30% Other Institutional Investors
55.54% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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