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ARROW FINANCIAL CORP

AROWNASDAQ
πŸ† #2608 by market capEarnings Oct 29US Equity
$39.02β–² $0.99 (+2.60%)
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🏦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
No chart data available for AROW.

Trading Snapshot

Day Range
$38.36 – $39.27
52-Week Range
$26.46 – $42.70
Volume (shares)
22,395.36
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
StockOtter Β· stockotter.space

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.

Latest News & Updates

Zacks Investment ResearchΒ·5h ago

Arrow Financial (AROW) Q3 Earnings and Revenues Top Estimates

Arrow Financial (AROW) came out with quarterly earnings of $0.97 per share, beating the Zacks Consensus Estimate of $0.94 per share. This compares to earnings of $0.77 per share a year ago.

GuruFocusΒ·Sep 2

Arrow Financial Corp (AROW) Stock Up 3.8% but GF Value Says Overvalued -- GF Score: 69/100

On September 02, 2026, Arrow Financial Corp (AROW) shares rose 3.8%, reaching a current price of $38.82. This price is situated within a 52-week trading range o

BenzingaΒ·Sep 2

This Arrow Financial Analyst Begins Coverage On A Bullish Note; Here Are Top 5 Initiations For Wednesday

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades, downgrades and initiations, please see our analyst ratings page.

Defense WorldΒ·Aug 17

Arrow Financial Corporation (NASDAQ:AROW) Receives $40.83 Consensus Target Price from Analysts

Shares of Arrow Financial Corporation (NASDAQ: AROW - Get Free Report) have earned an average recommendation of "Hold" from the five analysts that are presently covering the company, MarketBeat.com reports. Three researc

24/7 Wall StreetΒ·Aug 6

5 Stocks to Buy This Week If You Want Dividend Income in August

Five dividends are about to close their payout windows. Arrow Financial (NASDAQ:AROW), Cheesecake Factory (NASDAQ:CAKE), PC Connection (NASDAQ:CNXN), and Willis Lease Finance (NASDAQ:WLFC) all go ex-dividend on August 11

Zacks Investment ResearchΒ·Aug 5

Why Arrow Financial (AROW) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Arrow Financial (AROW) have what it takes?