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Arrow Financial Corporation AROW R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.arrowfinancial.com
Company Profile ↓
$38.37
+37.16% 1Y
Mkt Cap$710.76M
P/E12.38
P/B1.35
Div. Yield3.24%
52W High$42.17
52W Low$25.18
Book Value$26.98
EPS (TTM)$3.10

Company Overview

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 real estate loans to finance real estate purchases, refinancing, expansions, and enhancement 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, as well as maintains an indirect lending program. In addition, it provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Further, the company offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products. The company was founded in 1851 and is headquartered in Glens Falls, New York.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 12.4, below the sector median of 13.6.

Healthy Margins

Maintains a net profit margin of 30.1%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.07.

Dividend Income

Offers a dividend yield of 3.24%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $165.60M (+18.4% YoY); net profit $43.95M.
  • Trailing 12 Months Year-on-year growth — revenue +4.6%, earnings +1.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.5%, profit CAGR 4.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.53%
1 Year:4.60%

Compounded Profit Growth

5 Years:4.79%
1 Year:1.50%

Stock Price Performance

1 Year:+37.16%
6 Months:+8.12%
3 Months:-3.74%
1 Month:+2.79%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 78% of range
$25.18 $42.17
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)59.17 · Neutral
Price Performance
1M+2.79%
3M-3.74%
6M+8.12%
1Y+37.16%
Valuation vs Sector

P/E of 12.38 is below the sector median of 13.55 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 30.1%.
  • Attractive dividend yield of 3.24%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.38
Industry PE
13.55
Forward P/E
8.91
PEG Ratio
2.84
Book Value
$26.98
Price to Book
1.35
P/S
3.96
EV/EBITDA
-
Dividend Yield
3.24%

Growth (CAGR)

Revenue 5Y
3.53%
Profit 5Y
4.79%
Revenue (YoY)
4.60%
Earnings (YoY)
1.50%

Profitability & Returns

ROCE
-
ROE
12.00%
ROA
1.15%
Profit Margin
30.14%
Op Margin
34.66%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.66
EPS (TTM)
$3.10

Balance Sheet & Liquidity

Debt/Equity
0.07
Quick Ratio
-
Current Ratio
-
Debt
$338.57M
Total Assets
$4.48B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.96%
Chg in Prom Hold
0.02%
FII / Inst Holding
54.25%
Chg in FII Hold
-0.10%

Financial Snapshot

Enterprise Value
$710.76M
Total Revenue (TTM)
$170.17M
EBITDA
-
Free Cash Flow
$36.19M
Operating Cash Flow
$51.97M
Shares Outstanding
18.52M
Gross Margin
0.00%
Payout Ratio
38.06%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 AROW Arrow Financial Corporation R2KR3KFINANCIAL 38.37 12.38 $710.76M 3.24% - 12.00% 3.53% 4.79%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------39.20M40.14M42.85M43.41M44.76M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------19.01M19.04M19.47M19.47M17.66M-
Pretax Income ----------------------------------8.13M13.90M16.60M16.76M17.34M-
Tax Provision ----------------------------------1.82M3.09M3.77M2.75M3.86M-
Net Income 5.32M5.52M6.15M5.86M6.30M5.93M6.55M6.65M6.74M6.63M7.21M7.42M8.53M9.73M9.26M8.73M8.93M10.07M8.13M9.16M11.05M13.28M13.28M12.99M12.57M11.97M12.16M8.56M6.05M7.74M7.66M8.60M--6.31M10.80M12.82M14.01M13.48M10.96M
Diluted EPS 0.420.440.480.450.490.450.490.490.480.470.520.520.590.670.620.580.600.650.530.590.690.830.830.780.760.720.720.500.350.460.450.52--0.380.650.770.850.820.66

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------149.24M133.95M139.81M165.60M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------11.31M57.73M83.26M76.98M
Pretax Income -------------62.91M37.52M37.36M55.39M
Tax Provision -------------14.11M7.45M7.65M11.44M
Net Income 21.79M21.89M21.93M22.18M21.80M23.36M24.66M26.53M29.33M36.28M37.48M40.83M-48.80M30.07M29.71M43.95M
Diluted EPS 1.881.841.791.771.701.761.801.861.982.362.362.49-2.861.771.772.65

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.91B1.96B2.02B2.16B2.22B2.45B2.61B2.76B2.99B3.18B3.69B-3.97B4.17B4.31B4.45B
Current Assets ------------------
Cash & Equivalents 58.34M67.12M31.08M43.74M48.83M49.98M46.30M51.07M57.35M72.84M84.24M---64.66M142.54M154.55M214.18M
Inventory ------------------
Receivables ------------------
Total Liabilities --1.76B1.80B1.85B1.97B2.02B2.23B2.37B2.51B2.72B2.88B3.35B-3.62B3.79B3.91B4.01B
Current Liabilities ------------------
Long Term Debt ---40.00M30.00M20.00M10.00M55.00M55.00M55.00M45.00M30.00M45.00M-74.80M46.50M28.60M24.27M
Total Debt --------------79.92M51.57M33.60M29.19M
Total Equity 125.80M140.82M152.26M166.38M175.82M192.15M200.93M213.97M232.85M249.60M269.58M301.73M334.39M-353.54M379.77M400.90M431.85M
Shares Outstanding --------------22.07M22.07M22.07M22.07M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 19.33M10.22M36.09M32.46M36.67M30.64M28.93M34.70M37.83M41.98M43.94M42.31M-59.71M20.58M34.47M41.28M
Investing Cash Flow -162.10M-93.75M-44.80M-65.64M-149.01M-67.69M-229.54M-157.79M-148.57M-227.77M-192.23M-187.32M--393.06M-82.65M-88.95M-61.45M
Financing Cash Flow 151.55M47.49M21.37M38.28M113.49M33.37M205.39M129.38M126.22M197.19M134.27M455.77M--59.69M139.95M66.49M79.81M
Capital Expenditure -2.50M-1.08M-5.37M-8.07M-2.23M-1.47M-1.62M-1.44M-2.60M-5.10M-7.79M-5.13M--14.25M-7.08M-5.60M-5.09M
Free Cash Flow 16.83M9.14M30.71M24.39M34.44M29.17M27.30M33.25M35.23M36.87M36.16M37.18M-45.46M13.50M28.87M36.19M
Net Change in Cash --------------393.04M77.88M12.01M59.64M
Share Buybacks ---4.88M1.71M2.46M1.50M2.14M3.25M2.10M2.47M1.58M2.66M2.87M3.61M6.79M10.24M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------32.7%22.5%21.3%26.5%
ROE % 15.5%14.4%13.2%12.6%11.3%11.6%11.5%11.4%11.7%13.5%12.4%12.2%-13.8%7.9%7.4%10.2%
ROCE % -----------------

Shareholding Pattern

Insiders
2.96%
Institutions
54.25%
Public Float
55.91%

Top Institutional Holders

#Holder% HeldSharesValue
1 Arrow Financial Corp 10.04% 1.86M $67.67M
2 Blackrock Inc. 7.56% 1.40M $50.92M
3 Rhino Investment Partners, Inc. 4.58% 847.56K $30.83M
4 Dimensional Fund Advisors LP 3.92% 725.49K $26.39M
5 Vanguard Capital Management LLC 3.37% 623.72K $22.69M
6 State Street Corporation 2.65% 490.10K $17.83M
7 American Century Companies Inc 2.34% 432.99K $15.75M
8 Geode Capital Management, LLC 2.21% 409.59K $14.90M
9 Acadian Asset Management. LLC 1.86% 345.16K $12.56M
10 Morgan Stanley 1.21% 224.48K $8.17M

Analyst View

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Latest News

Recent headlines for AROW

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AROW — Frequently Asked Questions

What is the current share price of Arrow Financial Corporation (AROW)?

As of 2026-10-23 16:27 PDT, Arrow Financial Corporation (AROW) trades at $38.37 on NasdaqGS. Its 52-week range is $25.18 to $42.17.

What is the market capitalisation of AROW?

Arrow Financial Corporation (AROW) has a market capitalisation of $710.76M on NasdaqGS.

What is the P/E ratio of AROW?

AROW trades at a trailing price-to-earnings (P/E) ratio of 12.38. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.35.

Does AROW pay a dividend?

Arrow Financial Corporation (AROW) currently offers a dividend yield of 3.24%.

What is the return on equity (ROE) of AROW?

AROW has a return on equity (ROE) of 12.00%.

Is AROW a good stock to buy?

This page provides a data-driven analysis of Arrow Financial Corporation (AROW), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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