Arrow Financial/$AROW
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Arrow Financial
Arrow Financial Corp is a holding company. It provides various advisory and administrative services and coordinates the general policies and operations of the banks. It provides financial products, including online and mobile banking, mortgages, commercial loans, investments, and others. The company also provides lending services, including commercial and industrial lending to small and mid-sized companies; mortgage lending for residential and commercial properties; and consumer installment and home equity financing. The key source of the company's revenue is interest income, fees, commission earned through its subsidiaries.
- Ticker
- $AROW
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 725
- Headquarters
- Glens Falls, United States
- Website
- www.arrowfinancial.com
Arrow Financial Metrics
BasicAdvanced
$713M
14.84
$2.59
0.73
$1.19
3.12%
Price and volume
Market cap
$713M
Beta
0.73
52-week high
$42.70
52-week low
$28.92
Average daily volume
74K
Dividend rate
$1.19
Financial strength
Profitability
Net profit margin (TTM)
23.64%
Operating margin (TTM)
30.70%
Effective tax rate (TTM)
19.50%
Revenue per employee (TTM)
$260,000
Management effectiveness
Return on assets (TTM)
0.87%
Return on equity (TTM)
9.47%
Valuation
Price to earnings (TTM)
14.836
Price to revenue (TTM)
3.482
Price to book
1.38
Price to tangible book (TTM)
1.67
Dividend yield (TTM)
3.09%
Forward dividend yield
3.12%
Growth
Revenue change (TTM)
27.24%
Earnings per share change (TTM)
25.64%
3-year revenue growth (CAGR)
11.62%
3-year earnings per share growth (CAGR)
8.67%
10-year earnings per share growth (CAGR)
4.92%
3-year dividend per share growth (CAGR)
4.19%
10-year dividend per share growth (CAGR)
4.18%
What the Analysts think about Arrow Financial
Analyst ratings (Buy, Hold, Sell) for Arrow Financial stock.
Analyst projections of the future price of Arrow Financial stock.
Bulls say / Bears say
The Adirondack acquisition expands Arrow to 57 branches and adds roughly $1 billion in assets, taking it into the Mohawk Valley. Management expects the deal to add to earnings per share from 2027, giving Arrow a larger platform for growth. (Arrow Financial, Arrow Financial)
Loans grew by $57.6 million in the second quarter, a 6.7% annualised pace, while annualised net charge-offs were just 0.08% and non-performing loans were 0.24% of loans. That combines renewed lending momentum with low reported credit losses. (Arrow Financial)
Arrow’s fee-based businesses are growing: first-half insurance revenue rose 12.6% year on year and wealth-management revenue increased 9.9%. This adds earnings momentum beyond lending income. (Arrow Financial)
Second-quarter net income rose just 1.5% year on year to $11.0 million, while pre-tax income was flat; higher loan-loss provisions and merger expenses absorbed much of the stronger net interest income. So far, margin improvement has not translated into much bottom-line growth. (SEC, Arrow Financial)
Arrow recorded a $1.6 million reserve on a commercial borrower that entered bankruptcy, and non-performing assets rose from 0.11% to 0.19% of assets. Although the company described the credit as isolated, further deterioration could increase loan-loss costs. (Arrow Financial)
The Adirondack deal brings integration and shareholder-dilution risks: systems conversion was still ahead, and one analysis estimated a 9.1% reduction in tangible book value per share. If integration costs run high or synergies fall short, the expected earnings benefit could be delayed. (Arrow Financial, Seeking Alpha)
Data summarised monthly by Lightyear AI. Last updated on 27 Oct 2026.
Arrow Financial Financial Performance
Revenues and expenses
Arrow Financial Earnings Performance
Company profitability
Upcoming events
Arrow Financial News
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Funds containing Arrow Financial
Fund name | Fund size | $AROW weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.02% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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