Arrow Financial/$AROW
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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
- 578
- Headquarters
- Glens Falls, United States
- Website
- www.arrowfinancial.com
Arrow Financial Metrics
BasicAdvanced
$694M
12.07
$3.10
0.74
$1.19
3.20%
Price and volume
Market cap
$694M
Beta
0.74
52-week high
$42.70
52-week low
$25.88
Average daily volume
97K
Dividend rate
$1.19
Financial strength
Dividend payout ratio (TTM)
37.92%
Profitability
Net profit margin (TTM)
30.14%
Operating margin (TTM)
39.27%
Effective tax rate (TTM)
20.61%
Revenue per employee (TTM)
$290,000
Management effectiveness
Return on assets (TTM)
1.15%
Return on equity (TTM)
12.00%
Valuation
Price to earnings (TTM)
12.069
Price to revenue (TTM)
3.611
Price to book
1.39
Price to tangible book (TTM)
1.47
Price to free cash flow (TTM)
13.761
Free cash flow yield (TTM)
7.27%
Free cash flow per share (TTM)
2.722
Dividend yield (TTM)
3.18%
Forward dividend yield
3.20%
Growth
Revenue change (TTM)
21.18%
Earnings per share change (TTM)
69.73%
3-year revenue growth (CAGR)
7.16%
3-year earnings per share growth (CAGR)
10.94%
10-year earnings per share growth (CAGR)
7.13%
3-year dividend per share growth (CAGR)
3.83%
10-year dividend per share growth (CAGR)
4.14%
Bulls say / Bears say
The July 1, 2026 acquisition of Adirondack Bancorp added approximately $1.0 billion in assets and 19 branch locations, significantly expanding Arrow Financial’s footprint in upstate New York. (SEC filing)
Year-over-year net interest margin widened by 27 basis points to 3.42% in Q2 2026, driven by yield expansion on earning assets and lower funding costs. (SEC 10-Q summary)
As of June 30, 2026, Arrow maintained robust regulatory capital, with a Common Equity Tier 1 ratio of 13.21% and a Total Risk-Based Capital ratio of 14.98%, both exceeding “well capitalized” regulatory standards. (SEC filing)
Provision for credit losses surged to $2.8 million in Q2 2026 from $0.5 million in Q1 2026, including a $1.6 million specific reserve for a non-performing commercial loan, signaling potential asset quality pressure. (SEC filing)
Merger-related expenses of $1.0 million ($0.05 per share) in Q2 2026 and $0.8 million ($0.03 per share) in Q1 2026 reflect ongoing integration costs from the Adirondack acquisition, which compress core earnings. (SEC filing)
Fully diluted EPS fell to $0.66 in Q2 2026 from $0.82 in Q1 2026, a 19.5% sequential decrease primarily due to higher credit reserves and merger-related costs. (SEC filing)
Data summarised monthly by Lightyear AI. Last updated on 2 Sept 2026.
Upcoming events
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Arrow Financial News
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Funds containing Arrow Financial
Fund name | Fund size | $AROW weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.02% |
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