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ARROW FINANCIAL CORP

AROWNASDAQ
πŸ† #2607 by market capEarnings Oct 29US Equity
$38.98β€”
Last available close Β· quote unavailable
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24hβ€”
7dβ–² 2.2%
14dβ–² 5.8%
30dβ–² 4.5%
ytdβ–² 24.1%
1yβ–² 48.0%
🏦Market Cap
$723M
Small Cap
πŸ“ˆRevenue Growth (YoY)
8.8%
Slowing
πŸ“ŠGross Margin
42.6%
Healthy
πŸ’΅FCF Margin
20.5%
Strong
βš–οΈP/S Ratio
3.3x
Fair
Otter Score
72
Strong

Trading Snapshot

Day Range
β€”
52-Week Range
$26.46 – $42.70
Volume (shares)
β€”
Avg Volume (shares)
β€”
Shares Outstanding
18.5M
Next Earnings
2026-10-29

Fundamentals Snapshot

Annual Revenue
$243M
Last Q Revenue
$24M
P/E Ratio
14.7
P/S Ratio
3.3x
EPS (TTM)
$2.40
Dividend Yield
3.05%
Dilution (1yr)
βˆ’1.9%
AROW logo

ARROW FINANCIAL CORP

AROW
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$243Mβ–² +8.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
65.3%β–² +8.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$55Mβ–² +48.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$36Mβ–² +25.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
16.4Mβ–Ό βˆ’1.9% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$62Kβ–Ό βˆ’$121M YoY
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About ARROW FINANCIAL CORP

Arrow 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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
72/100
Analyst data unavailable.

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