
Arrow Financial Corporation
AROWNASDAQFinancial ServicesBanks - Regional
Previous close
$38.48
+$0.15 · +0.39%
AROW company overview
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GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
63
Undervalued
Momentum
54
Neutral
Sentiment
71
Bullish
Risk resilience
73
Moderate Risk
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Company profile
Company websiteArrow Financial Corporation functions as a bank holding company, delivering a comprehensive suite of commercial and consumer banking services, alongside various financial products. Its core deposit offerings include conventional options like demand accounts, interest-bearing checking accounts, savings accounts, and diverse time deposits. The company's lending portfolio features commercial credit facilities such as term loans, time-based notes, and revolving lines of credit. It also extends financing for commercial real estate, encompassing property acquisitions, refinancing, expansions, and improvements, in addition to loans for commercial construction and land development. On the consumer side, Arrow Financial provides installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans. Residential real estate financing is another key component, offering mortgages, fixed home equity loans, and home equity lines of credit to support home improvements, debt consolidation, educational funding, and other personal requirements. Furthermore, the company operates an indirect lending program and actively sells its originated residential real estate loans into the secondary market. Beyond traditional banking, Arrow Financial offers comprehensive wealth management and trust services. This includes retirement planning, trust administration, and estate management for individuals, as well as pension, profit-sharing, and employee benefit plan administration for corporate clients. The corporation also operates an insurance agency, providing group health, life, and property and casualty policies. Additionally, it offers investment advisory services for its proprietary mutual funds and holds an interest in a real estate investment trust. The company's operational footprint spans the northeastern region of New York State, specifically serving Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, along with neighboring communities. Its physical infrastructure comprises 26 owned branch banking locations, 12 leased branch offices, and two dedicated residential loan origination centers. Established in 1851, Arrow Financial Corporation maintains its corporate headquarters in Glens Falls, New York.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- David S. DeMarco
- Listed since
- Sep 18, 1980
- Employees
- 578
Market position
Day range
Current $38.48
52-week range
Current $38.48
- Open
- $38.69
- Previous close
- $38.33
- Volume
- 301.69K
- 3.31× average
- Average volume
- 91.08K
- Average daily volume
- Market cap
- 636.04M USD
- Beta
- 0.74
- Market reference 1
- 50-day average
- $40.0152
- -3.84% below average
- 200-day average
- $35.3191
- +8.95% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 518.26M USD
- EV / EBITDA
- 8.52×
- Earnings yield
- 8.48%
- Free cash flow yield
- 6.98%
Profitability & efficiency
- Return on equity
- 10.18%
- Return on assets
- 0.99%
- Return on invested capital
- -7.23%
Financial health
- Current ratio
- 0.04×
- Altman Z-score
- -0.85
- Piotroski F-score
- 6 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 242.58M USD | 223.07M USD | 191.68M USD | 160.55M USD | 147.92M USD |
| Cost of goods sold | 84.26M USD | 88.44M USD | 61.11M USD | 16.11M USD | 5.47M USD |
| Gross profit | 158.32M USD | 134.63M USD | 130.57M USD | 144.44M USD | 142.45M USD |
| Selling, general, and administrative | 84.84M USD | 56.74M USD | 50.89M USD | 49.37M USD | 46.92M USD |
| Operating expenses | 102.93M USD | 97.27M USD | 93.05M USD | 81.53M USD | 78.05M USD |
| Interest income | 210.15M USD | 194.99M USD | 162.56M USD | 129.65M USD | 115.55M USD |
| Interest expense | 76.98M USD | 83.26M USD | 57.73M USD | 11.31M USD | 5.2M USD |
| Depreciation and amortization | 5.42M USD | 5.36M USD | 6.72M USD | 7.55M USD | 7.83M USD |
| Operating income | 55.39M USD | 37.36M USD | 37.52M USD | 62.91M USD | 64.4M USD |
| Net income | 43.95M USD | 29.71M USD | 30.08M USD | 48.8M USD | 49.86M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 36%
- 4 beats, 6 misses, 1 met estimate
- Average EPS surprise
- -1.59%
- 11 comparable reports
- Latest EPS result
- 0.71
- Estimate 0.85 · Miss by 16.47%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$46.00
19.54% upsideRecent analyst actions
AROW news
Corporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Sep 19, 2023 | 103:100 | — | — |
Stock split | Sep 16, 2022 | 103:100 | — | — |
Stock split | Sep 16, 2021 | 103:100 | — | — |
Stock split | Sep 16, 2020 | 103:100 | — | — |
Stock split | Sep 16, 2019 | 103:100 | — | — |
Stock split | Sep 18, 2018 | 103:100 | — | — |
Effective Sep 19, 2023
103:100
Effective Sep 16, 2022
103:100
Effective Sep 16, 2021
103:100
Effective Sep 16, 2020
103:100
Effective Sep 16, 2019
103:100
Effective Sep 18, 2018
103:100
AROW peers
ETFs holding AROW
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI17.73M0.00%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM17.6M0.02%81.62B USD0.19%$299.96+0.77%
Avantis U.S. Small Cap Value ETFAVUV15.54M0.05%31.27B USD0.25%$126.45+0.66%
Vanguard Extended Market ETFVXF6.59M0.01%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Value ETFIWN6.1M0.04%14.66B USD0.24%$224.81+0.45%
State Street SPDR S&P Regional Banking ETFKRE4.3M0.11%4.06B USD0.35%$74.86+0.20%
Vanguard Russell 2000 ETFVTWO3.67M0.02%17.4B USD0.06%$121.25+0.74%
Dimensional - US Targeted Value ETFDFAT3.65M0.02%14.66B USD0.28%$71.67+0.67%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 17.73M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 17.6M
- Weight
- 0.02%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 15.54M
- Weight
- 0.05%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
Vanguard Extended Market ETFVXF- Market value
- 6.59M
- Weight
- 0.01%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Value ETFIWN- Market value
- 6.1M
- Weight
- 0.04%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 4.3M
- Weight
- 0.11%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $74.86+0.20%
Vanguard Russell 2000 ETFVTWO- Market value
- 3.67M
- Weight
- 0.02%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
Dimensional - US Targeted Value ETFDFAT- Market value
- 3.65M
- Weight
- 0.02%
- AUM
- 14.66B USD
- Expense ratio
- 0.28%
- Price / 1D
- $71.67+0.67%
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