AROW Stock - Arrow Financial Corporation
Unlock GoAI Insights for AROW
Get institutional-grade AI analysis, real-time signals, and deep market intelligence powered by advanced machine learning.
Free 14-day trial • No credit card required
Premium members get real-time SMS alerts
Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $223.07M | $191.68M | $160.55M | $147.92M | $144.55M |
| Gross Profit | $134.63M | $130.57M | $144.44M | $142.45M | $122.54M |
| Gross Margin | 60.4% | 68.1% | 90.0% | 96.3% | 84.8% |
| Operating Income | $37.36M | $37.52M | $62.91M | $64.40M | $51.86M |
| Net Income | $29.71M | $30.07M | $48.80M | $49.86M | $40.83M |
| Net Margin | 13.3% | 15.7% | 30.4% | 33.7% | 28.2% |
| EPS | $1.78 | $1.77 | $2.87 | $2.93 | $2.42 |
Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and improvements to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses. In addition, it maintains an indirect lending program; and sells residential real estate loan originations into the secondary market. Further, the company provides retirement planning, trust, and estate administration services for individuals; and pension, profit-sharing, and employee benefit plan administration services for corporations. Additionally, it offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. The company operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, as well as surrounding areas. It owns 26 branch banking offices; and leases 12 branch banking offices, as well as two residential loan origination offices. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.
Visit WebsiteRating Distribution
Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 31st 2025 | Hovde Group | Upgrade | Outperform | $33.5← $28.5 |
| July 25th 2025 | Hovde Group | Reiterated | Market Perform | $28.5← $27.5 |
| December 27th 2024 | Hovde Group | Reiterated | Market Perform | $32← $34.5 |
| December 20th 2024 | Piper Sandler | Resumed | Neutral | $32 |
| September 9th 2024 | Hovde Group | Resumed | Market Perform | $31← $28 |
| January 9th 2024 | Hovde Group | Initiation | Market Perform | - |
Earnings History & Surprises
AROWEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 29, 2026 | — | — | — | — |
Q1 2026 | Jan 29, 2026 | $0.81 | — | — | — |
Q4 2025 | Oct 30, 2025 | $0.72 | $0.77 | +6.9% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $0.72 | $0.70 | -2.8% | ✗ MISS |
Q2 2025 | May 1, 2025 | $0.44 | $0.38 | -13.6% | ✗ MISS |
Q1 2025 | Jan 30, 2025 | $0.57 | $0.47 | -17.5% | ✗ MISS |
Q4 2024 | Oct 31, 2024 | $0.53 | $0.53 | 0.0% | = MET |
Q3 2024 | Jul 25, 2024 | $0.54 | $0.52 | -3.7% | ✗ MISS |
Q2 2024 | Apr 30, 2024 | $0.47 | $0.45 | -4.3% | ✗ MISS |
Q1 2024 | Feb 1, 2024 | $0.47 | $0.46 | -2.1% | ✗ MISS |
Q4 2023 | Oct 24, 2023 | $0.33 | $0.46 | +39.4% | ✓ BEAT |
Q3 2023 | Aug 8, 2023 | $0.45 | $0.36 | -20.0% | ✗ MISS |
Q3 2023 | Jul 17, 2023 | $0.66 | $0.50 | -23.9% | ✗ MISS |
Q3 2023 | Jul 4, 2023 | $0.66 | $0.71 | +7.1% | ✓ BEAT |
Q4 2022 | Oct 27, 2022 | $0.68 | $0.74 | +8.8% | ✓ BEAT |
Q3 2022 | Jul 27, 2022 | $0.69 | $0.73 | +5.8% | ✓ BEAT |
Q2 2022 | Apr 26, 2022 | $0.69 | $0.76 | +10.1% | ✓ BEAT |
Q1 2022 | Jan 27, 2022 | $0.73 | $0.61 | -16.4% | ✗ MISS |
Q4 2021 | Oct 26, 2021 | $0.78 | $0.79 | +1.3% | ✓ BEAT |
Q3 2021 | Jul 27, 2021 | $0.80 | $0.83 | +3.7% | ✓ BEAT |
Frequently Asked Questions about AROW
What is AROW's current stock price?
What is the analyst price target for AROW?
What sector is Arrow Financial Corporation in?
What is AROW's market cap?
Does AROW pay dividends?
Similar Stocks
Financial Services SectorExplore stocks similar to AROW for comparison