Arrow Financial Corporation

NasdaqGS:AROW Stock Report

Market Cap: US$614.1m

Arrow Financial Future Growth

Future criteria checks 5/6

Arrow Financial is forecast to grow earnings and revenue by 28.3% and 20.7% per annum respectively while EPS is expected to grow by 21.7% per annum.

Key information

28.3%

Earnings growth rate

21.74%

EPS growth rate

Banks earnings growth8.2%
Revenue growth rate20.7%
Future return on equityn/a
Analyst coverage

Low

Last updated01 May 2026

Recent future growth 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...

Earnings and Revenue Growth Forecasts

NasdaqGS:AROW - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/202724479N/AN/A1
12/31/202620949N/AN/A1
3/31/2026168514146N/A
12/31/2025158443641N/A
9/30/2025147343541N/A
6/30/2025140312935N/A
3/31/2025135282834N/A
12/31/2024135302934N/A
9/30/202413633813N/A
6/30/2024134321014N/A
3/31/2024131291218N/A
12/31/2023131301321N/A
9/30/2023134343948N/A
6/30/2023138394155N/A
3/31/2023142454256N/A
12/31/2022144494560N/A
9/30/2022142474761N/A
6/30/2022142484859N/A
3/31/2022142495665N/A
12/31/2021142506168N/A
9/30/2021143526570N/A
6/30/2021138506167N/A
3/31/2021130464449N/A
12/31/2020123413742N/A
9/30/2020118383439N/A
6/30/2020116373339N/A
3/31/2020115374046N/A
12/31/201911537N/A44N/A
9/30/201911336N/A41N/A
6/30/201911136N/A42N/A
3/31/201911136N/A40N/A
12/31/201811036N/A42N/A
9/30/201810836N/A45N/A
6/30/201810734N/A40N/A
3/31/201810431N/A40N/A
12/31/201710329N/A38N/A
9/30/201710128N/A36N/A
6/30/201710027N/A38N/A
3/31/20179827N/A34N/A
12/31/20169727N/A35N/A
9/30/20169627N/A34N/A
6/30/20169526N/A30N/A
3/31/20169425N/A31N/A
12/31/20159325N/A29N/A
9/30/20159224N/A29N/A
6/30/20159125N/A30N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: AROW's forecast earnings growth (28.3% per year) is above the savings rate (3.5%).

Earnings vs Market: AROW's earnings (28.3% per year) are forecast to grow faster than the US market (16.7% per year).

High Growth Earnings: AROW's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: AROW's revenue (20.7% per year) is forecast to grow faster than the US market (11.6% per year).

High Growth Revenue: AROW's revenue (20.7% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if AROW's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/11 01:38
End of Day Share Price 2026/05/11 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.