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Arrow Financial CorporationNasdaqGS:AROW Stock Report

Market Cap US$614.1m
Share Price
US$37.15
US$38
2.2% undervalued intrinsic discount
1Y39.0%
7D2.5%
Portfolio Value
View

Arrow Financial Corporation

NasdaqGS:AROW Stock Report

Market Cap: US$614.1m

Arrow Financial (AROW) Stock Overview

A bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. More details

AROW fundamental analysis
Snowflake Score
Valuation1/6
Future Growth5/6
Past Performance4/6
Financial Health6/6
Dividends4/6

AROW Community Fair Values

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Arrow Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for Arrow Financial
Historical stock prices
Current Share PriceUS$37.15
52 Week HighUS$38.09
52 Week LowUS$24.57
Beta0.77
1 Month Change1.98%
3 Month Change4.97%
1 Year Change39.03%
3 Year Change100.76%
5 Year Change9.86%
Change since IPO270.88%

Recent News & Updates

Recent updates

Seeking Alpha Mar 25

No Need To Rush Into Arrow Financial

Summary Arrow Financial is rated Hold due to average operational metrics and lack of near-term catalysts despite recent earnings growth. AROW's Q4 2025 net income hit a record $14M, but net interest margin and delinquency trends remain only average or slightly below peers. The pending Adirondack Bancorp acquisition offers geographic expansion but limited immediate financial upside and will dilute tangible book value by 9.1%. Risks include high geographic concentration in New York, integration uncertainty, and macroeconomic headwinds such as inflation and slowing job growth. Read the full article on Seeking Alpha
Analysis Article Feb 03

Arrow Financial (NASDAQ:AROW) Has Announced That It Will Be Increasing Its Dividend To $0.30

The board of Arrow Financial Corporation ( NASDAQ:AROW ) has announced that it will be paying its dividend of $0.30 on...
Analysis Article Jul 27

Arrow Financial's (NASDAQ:AROW) Dividend Will Be Increased To $0.29

Arrow Financial Corporation ( NASDAQ:AROW ) will increase its dividend from last year's comparable payment on the 25th...
Seeking Alpha Mar 09

Arrow Financial: Upgrading To Buy After The Market's Overreaction To Q4's Earnings Miss

Summary The outlook on the net interest margin remains rosy because of the upcoming re-pricing of certificates of deposits and loans. My loan growth outlook is worse than before, mostly because the consumer sentiment has worsened in recent months. Further, the mortgage rates are higher. I’ve reduced my EPS estimate to $2.01. The year-end target price suggests a price upside of 7.9%. AROW is also offering a dividend yield of 4.2%. Read the full article on Seeking Alpha
Seeking Alpha May 17

Arrow Financial: Earnings Likely To Jump Thanks To Loan Growth And Margin Expansion

Summary The outlook for all three loan segments, residential real estate, consumer, and commercial, is positive thanks to the regional economy. Upcoming interest rate cuts will boost the margin, as deposits will re-price faster than loans. Additionally, rate cuts can pause deposit mix deterioration. The December 2024 target price suggests a moderately high price upside. Further, AROW is offering a good dividend yield. Read the full article on Seeking Alpha
Analysis Article Oct 31

Arrow Financial (NASDAQ:AROW) Is Due To Pay A Dividend Of $0.27

The board of Arrow Financial Corporation ( NASDAQ:AROW ) has announced that it will pay a dividend on the 15th of...
Analysis Article Aug 28

Arrow Financial's (NASDAQ:AROW) Dividend Will Be $0.27

The board of Arrow Financial Corporation ( NASDAQ:AROW ) has announced that it will pay a dividend of $0.27 per share...
Analysis Article Aug 12

Arrow Financial's (NASDAQ:AROW) Dividend Will Be $0.27

The board of Arrow Financial Corporation ( NASDAQ:AROW ) has announced that it will pay a dividend on the 15th of...
Analysis Article May 07

Arrow Financial (NASDAQ:AROW) Has Affirmed Its Dividend Of $0.27

The board of Arrow Financial Corporation ( NASDAQ:AROW ) has announced that it will pay a dividend of $0.27 per share...
Analysis Article Feb 07

Arrow Financial (NASDAQ:AROW) Has Affirmed Its Dividend Of $0.27

Arrow Financial Corporation's ( NASDAQ:AROW ) investors are due to receive a payment of $0.27 per share on 15th of...

Shareholder Returns

AROWUS BanksUS Market
7D2.5%-2.1%2.2%
1Y39.0%23.1%31.1%

Return vs Industry: AROW exceeded the US Banks industry which returned 23.1% over the past year.

Return vs Market: AROW exceeded the US Market which returned 31.1% over the past year.

Price Volatility

Is AROW's price volatile compared to industry and market?
AROW volatility
AROW Average Weekly Movement3.3%
Banks Industry Average Movement3.5%
Market Average Movement7.3%
10% most volatile stocks in US Market16.1%
10% least volatile stocks in US Market3.2%

Stable Share Price: AROW has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: AROW's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1851578Dave DeMarcowww.arrowfinancial.com

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.

Arrow Financial Corporation Fundamentals Summary

How do Arrow Financial's earnings and revenue compare to its market cap?
AROW fundamental statistics
Market capUS$614.05m
Earnings (TTM)US$50.92m
Revenue (TTM)US$168.36m
12.1x
P/E Ratio
1.4x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
AROW income statement (TTM)
RevenueUS$168.36m
Cost of RevenueUS$0
Gross ProfitUS$168.36m
Other ExpensesUS$117.44m
EarningsUS$50.92m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)3.08
Gross Margin100.00%
Net Profit Margin30.24%
Debt/Equity Ratio6.3%

How did AROW perform over the long term?

See historical performance and comparison

Dividends

3.2%
Current Dividend Yield
37%
Payout Ratio

Does AROW pay a reliable dividends?

See AROW dividend history and benchmarks
When do you need to buy AROW by to receive an upcoming dividend?
Arrow Financial dividend dates
Ex Dividend DateMay 12 2026
Dividend Pay DateMay 26 2026
Days until Ex dividend0 days
Days until Dividend pay date14 days

Does AROW pay a reliable dividends?

See AROW dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/11 15:34
End of Day Share Price 2026/05/08 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Arrow Financial Corporation is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Feddie StricklandHovde Group, LLC
Longdley ZephirinZephirin Group, Inc.