Arrow Financial Corporation (AROW)

NMS – Real Time Price. Currency in USD

38.68

-0.27 (-0.69%)

Market open: Aug 12, 2026, 11:15 AM EDT

38.95

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 38.95$
Day's range: 38.59 - 39.36$
52-week range: 25.88 - 42.7$
Volume: 131 120
Average volume: 73 360
Beta: 0.3
EPS (TTM): 3.11
PE ratio (TTM): 12.52
Forward P/E: 11.08
Market cap: 721 499 048
Shares outstanding: 18 523 724
Dividend yield: $3.03 (3.03%)
Next earnings date: 2026-10-27
Sector: Financials
Industry: Banks - Regional

About the company

Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. 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... read more

CEO: David DeMarco
Country: United States
IPO Date
Employees: 578
Fiscal Year End: January - December
Website: https://www.arrowfinancial.com

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: AROW

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Overall Score

5.3 / 1053%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $335.1M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.8) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.25	2.82	3.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.75	0.05	7.0
Debt to Assets	0.07	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	161M	192M	223M	243M	249M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	63M	38M	37M	55M	65M
Net Income	49M	30M	30M	44M	51M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	31.45	0.44	10
Net margin %	24.81	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.01	1.46	3.0
ROE	10.77	14.94	7.0
ROIC	9.06	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	34.27	21.32	10
Next quarter	37.32	19.33	9.5
Current year	24.42	32.65	10
Next year	16.45	22.18	9.5
Weighted average score			9.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-0.87	-18.14	-16.46	188.34	3.3
Y/Y	4.55	1.45	9.23	58.49	5.8
3y average	14.84	2.63	2.3	25.59	6.3
5y average	11.08	5.58	5.18	15.82	6.5
Weighted average score					5.5

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	12.56	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.65	3.37	4.4
P/B	1.44	1.53	5.6
Weighted average score			4.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR10.68%

FCF 5 year CAGR4

Fair value66.1$

Stock price38.73$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.94	3.94	8.0
Payout ratio	38.67	38.67	6.0
5-year dividend growth rate	4.13	4.13	6.0
Years of dividend increase	8.00	8.00	7.0
Weighted average score			6.8

Fair Value

$66.1

UndervaluedStock priceOvervalued

$38.73

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

David DeMarco

Country

United States

IPO Date

Employees

578

Fiscal Year End

January - December

Website

https://www.arrowfinancial.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.25

2.82

3.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.75

0.05

7.0

Debt to Assets

0.07

0.09

9.0

Interest coverage

N/A

Weighted average score

6.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

161M

192M

223M

243M

249M

Gross Profit

N/A

Operating Income

63M

38M

37M

55M

65M

Net Income

49M

30M

44M

51M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

31.45

0.44

Net margin %

24.81

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.01

1.46

3.0

ROE

10.77

14.94

7.0

ROIC

9.06

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

34.27

21.32

Next quarter

37.32

19.33

9.5

Current year

24.42

32.65

Next year

16.45

22.18

9.5

Weighted average score

9.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-0.87

-18.14

-16.46

188.34

3.3

Y/Y

4.55

1.45

9.23

58.49

5.8

3y average

14.84

2.63

2.3

25.59

6.3

5y average

11.08

5.58

5.18

15.82

6.5

Weighted average score

5.5

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

12.56

11.16

5.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.65

3.37

4.4

P/B

1.44

1.53

5.6

Weighted average score

4.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.94

8.0

Payout ratio

38.67

6.0

5-year dividend growth rate

4.13

6.0

Years of dividend increase

8.00

7.0

Weighted average score

6.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Arrow Financial Corporation (AROW)

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Arrow Financial Corporation (AROW)

Stock details

About the company

Revenue Breakdown

News

Chart: AROW

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$66.1

$38.73

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: AROW

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$66.1

$38.73

Economic Moat