Arrow Financial/$AROW
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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 company's revenue is interest income, fees, commission earned through its subsidiaries.
Ticker
$AROW
Sector
Primary listing
Employees
600
Headquarters
Website
Arrow Financial Metrics
BasicAdvanced
$494M
14.55
$2.07
0.78
$0.85
3.86%
Price and volume
Market cap
$494M
Beta
0.78
52-week high
$31.45
52-week low
$22.72
Average daily volume
38K
Dividend rate
$0.85
Financial strength
Profitability
Net profit margin (TTM)
23.44%
Operating margin (TTM)
31.65%
Effective tax rate (TTM)
21.53%
Revenue per employee (TTM)
$240,000
Management effectiveness
Return on assets (TTM)
0.76%
Return on equity (TTM)
8.49%
Valuation
Price to earnings (TTM)
14.548
Price to revenue (TTM)
3.395
Price to book
1.18
Price to tangible book (TTM)
1.26
Dividend yield (TTM)
2.83%
Forward dividend yield
3.86%
Growth
Revenue change (TTM)
7.84%
Earnings per share change (TTM)
5.41%
3-year revenue growth (CAGR)
1.04%
3-year earnings per share growth (CAGR)
-9.12%
10-year earnings per share growth (CAGR)
3.30%
3-year dividend per share growth (CAGR)
3.76%
10-year dividend per share growth (CAGR)
3.86%
Bulls say / Bears say
Net interest margin expanded to 3.22% in Q3 2025 from 3.15% in Q2 2025, driving record net interest income of $34.1 million and indicating continued yield enhancement on earning assets (NASDAQ PR Newswire)
Interest and fees on loans rose to $45.6 million in Q2 2025 from $42.1 million in Q2 2024, reflecting robust loan growth and effective repricing strategies (SEC EDGAR)
Approximately $2 billion of deposits were subject to repricing heading into Q4 2025, positioning the company to benefit from potential Federal Reserve rate cuts and lower funding costs (NASDAQ PR Newswire)
Loan-to-deposit ratio declined to 84.0% in Q3 2025 from 87.2% in Q2 2025, suggesting that deposit growth is outpacing loan deployment and potentially weighing on future earning‐asset yields (NASDAQ PR Newswire)
Provision for credit losses dropped sharply to $0.6 million in Q2 2025 from $5.0 million in Q1 2025, raising concerns that the firm may be under-reserving as economic conditions evolve (PR Newswire)
A system unification in July 2025 caused a temporary service outage from July 18–20, risking customer dissatisfaction and potential attrition despite its long-term benefits (Times Union)
Data summarised monthly by Lightyear AI. Last updated on 8 Nov 2025.
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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FAQs
What’s the current market cap for Arrow Financial stock?
Arrow Financial (AROW) has a market cap of $494M as of November 08, 2025.
What is the P/E ratio for Arrow Financial stock?
The price to earnings (P/E) ratio for Arrow Financial (AROW) stock is 14.55 as of November 08, 2025.
Does Arrow Financial stock pay dividends?
Yes, the Arrow Financial (AROW) stock pays dividends to shareholders. As of November 08, 2025, the dividend rate is $0.85 and the yield is 3.86%. Arrow Financial has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Arrow Financial dividend payment date?
The next Arrow Financial (AROW) dividend payment is scheduled for November 24, 2025.
What is the beta indicator for Arrow Financial?
Arrow Financial (AROW) has a beta rating of 0.78. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.