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AROW

Arrow Financial Corporation

Financial Services · USD

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Price alert · AROW

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38.36 USD -0.30 -0.79%
As of Oct 30, 2026 Extended hours 38.36 0.00%
Bid
38.33 × 2
Ask
38.37 × 2
38.06 Day range 39.18
27.12 52-week range 42.50
YTD
+22.17%
1 year
+41.45%
Open
39.09
Prev close
38.67
Mkt cap
711.01M
Vol
73.52K
Avg vol
82.59K
EPS
3.10
P/E
12.37
Div yield
3.86%
More statistics
Low
38.06
High
39.18
Forward P/E
11.08
Beta
0.72
Short ratio
2.54
Inst. own
50.62%
Dividend
1.12
Ex-div date
Oct 14, 2024
Earnings
Feb 6, 2025
50-d avg
31.09
200-d avg
27.51
1y target
33.25

2Y chart

Chart tools
Interval
AROW two-year price chart22.727.732.737.742.7Oct 24Mar 25Aug 25Jan 26Jun 26Oct 26

Key statistics

Market cap
482.42M
Enterprise value
289.12M
Trailing P/E
14.70
Forward P/E
11.08
PEG ratio
0.00
Price / sales
3.54
Price / book
1.23
EPS (TTM)
1.96
Beta
0.72
Dividend yield
3.86%
Payout ratio
55.10%
Profit margin
24.21%
Revenue (TTM)
136.14M
Revenue growth
7.80%
Free cash flow
0
Total cash
344.24M
Total debt
147.93M
Return on equity
8.75%
Shares outstanding
16.74M
Short % of float
0.77%
50-day average
31.09
200-day average
27.51

Analyst view

Consensus: hold

Hold
Price target (mean) 33.25 -13.3% downside
Target (low)
32.00
Target (mean)
33.25
Target (high)
34.50
Ratings (0m) 2 0 buy · 2 hold · 0 sell
  • Strong buy0
  • Buy0
  • Hold2
  • Sell0
  • Strong sell0

Next earnings

Feb 6, 2025

Expected Feb 6, 2025. Consensus EPS estimate 0.58.

Earnings history

Financials — quick view

All financials
AROW Revenue — quarterly 41.36M
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026
AROW Net income — quarterly 10.96M
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026
AROW EPS — quarterly 0.66
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026

Earnings

AROW recent earnings
Report dateQuarter endingEPS estimateEPS reportedSurpriseSurprise %
Feb 6, 2025Dec 1, 20240.00———
Oct 31, 2024Sep 1, 20240.000.53——
Jul 25, 2024Jun 1, 20240.000.52——
Feb 1, 2024Dec 1, 20230.500.46-0.04-8.00%
Oct 24, 2023Sep 1, 20230.330.46+0.13+39.39%
Aug 8, 2023Jun 1, 20230.440.35-0.09-20.45%

Upgrades / downgrades

AROW analyst upgrades and downgrades
DateFirmActionFromTo
Jan 9, 2024Hovde Groupinit—Market Perform
Sep 28, 2020Piper Sandlermain—Neutral

About Arrow Financial Corporation

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 enhancement 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. Further, the company provides retirement planning, trust, and estate administration services for individuals, as well as 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. It operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.

Sector
Financial Services
Industry
Banks - Regional
Country
United States

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Insider holders

AROW insider holders
InsiderRelationLatest transactionDateShares held
CASACCIO TENEE RDirectorConversion of Exercise of derivative securityJun 9, 202421,834
DAKE GARY CDirectorStock Award(Grant)May 28, 202459,267
DEMARCO DAVID SOfficerStock Award(Grant)May 28, 202439,744
IVANOV PENKO KRASSIMIRChief Financial OfficerStock Award(Grant)May 28, 20241,857
KAISER DAVID DOfficerStock Award(Grant)May 28, 202428,608
KRUCZLNICKI DAVID GDirectorStock Award(Grant)May 28, 202456,236

Institution ownership

AROW institution ownership
Holder% heldSharesValueReported
Arrow Financial Corp11.77%1,969,79356.77MSep 29, 2024
Blackrock Inc.8.06%1,348,62438.87MSep 29, 2024
Vanguard Group Inc4.87%815,27023.50MSep 29, 2024
Dimensional Fund Advisors LP4.32%723,77120.86MSep 29, 2024
State Street Corporation2.35%393,71911.35MSep 29, 2024
Geode Capital Management, LLC2.22%372,22810.73MSep 29, 2024

Fund ownership

AROW fund ownership
Holder% heldSharesValueReported
iShares Russell 2000 ETF2.73%456,67313.16MOct 30, 2024
Vanguard Total Stock Market Index Fund2.67%447,00712.88MSep 29, 2024
Avantis U.S. Small Cap Value ETF1.49%249,0597.18MSep 29, 2024
Vanguard Extended Market Index Fund1.33%222,9136.42MSep 29, 2024
Fidelity Small Cap Index Fund1.01%168,3684.85MAug 30, 2024
iShares Russell 2000 Value ETF0.97%162,8314.69MOct 30, 2024
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