AROW
Arrow Financial Corporation
Price Chart
Latest Quote
$38.11
+0.04 (+0.11%)
Current Price
| Previous Close | $38.07 |
| Open | $38.50 |
| Day High | $38.50 |
| Day Low | $37.65 |
| Volume | 61,819 |
Stock Information
| Quarterly Dividend / Yield | $1.20 / 3.01% |
| Shares Outstanding | 16.53M |
| Quarterly Dividend Yield | 3.01% |
| Quarterly Dividend | $1.20 |
| Total Debt | $37.45M |
| Cash Equivalents | $288.95M |
| Revenue | $168.36M |
| Net Income | $50.92M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $658.85M |
| P/E Ratio | 12.90 |
| EPS (TTM) | $3.09 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $407.35M |
| Sales | $168.36M |
| Income | $50.92M |
| Book/sh | $26.63 |
| Cash/sh | $17.48 |
| Employees | 575 |
Financial Ratios
| EPS Growth TTM | 113.70% |
Returns & Margins
| ROA | 1.14% |
| ROE | 12.11% |
| Operating Margin | 40.56% |
| Profit Margin | 30.37% |
Ownership
| Insider Ownership | 3.19% |
| Institutional Ownership | 56.87% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.16 |
| PEG | 2.84 |
| P/S | 3.91 |
| P/B | 1.50 |
Analyst Data
| Recommendation | buy |
| Target Price | $40.50 |
Technical Indicators
| SMA20 | $36.98 |
| SMA50 | $36.41 |
| SMA200 | $32.02 |
| RSI | 67.63 |
| ATR | 1.0850 |
| Shares Float | 14.10M |
| Short Float | 1.70% |
| Short Ratio | 3.87 |
| Volatility | 0.76 |
| Rel Volume | 1.29 |
Performance History
| Week | +6.41% |
| Month | +12.41% |
| Quarter | +23.74% |
| 6 Months | +28.11% |
| YTD | +29.50% |
| Year | +57.30% |
| 3 Years | +100.41% |
| 5 Years | +35.64% |
| 10 Years | +115.61% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-12 | $39.86 | 90,400 |
| 2026-06-11 | $38.11 | 65,300 |
| 2026-06-10 | $38.07 | 112,500 |
| 2026-06-09 | $37.69 | 61,800 |
| 2026-06-08 | $37.08 | 79,000 |
| 2026-06-05 | $37.46 | 61,700 |
| 2026-06-04 | $36.91 | 33,600 |
| 2026-06-03 | $35.78 | 60,900 |
| 2026-06-02 | $36.99 | 35,100 |
| 2026-06-01 | $36.39 | 45,300 |
| 2026-05-29 | $36.70 | 41,700 |
| 2026-05-28 | $37.03 | 75,800 |
| 2026-05-27 | $36.87 | 55,800 |
| 2026-05-26 | $37.43 | 122,500 |
| 2026-05-22 | $36.82 | 103,200 |
| 2026-05-21 | $36.76 | 62,000 |
| 2026-05-20 | $36.53 | 105,200 |
| 2026-05-19 | $35.91 | 51,900 |
| 2026-05-18 | $35.94 | 72,300 |
| 2026-05-15 | $35.19 | 65,800 |
| 2026-05-14 | $35.73 | 70,600 |
| 2026-05-13 | $35.46 | 50,400 |
| 2026-05-12 | $nan | 0 |
About Arrow Financial Corporation
Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. 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, as well as maintains an indirect lending program. In addition, it provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Further, the company offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products. The company was founded in 1851 and is headquartered in Glens Falls, New York.
đ° Latest News
Arrow Financial Highlights Profit Gains, Adirondack Bank Deal at Annual Meeting
MarketBeat âĸ 2026-06-05T13:07:21Z
US Market's Undiscovered Gems To Explore In May 2026
Simply Wall St. âĸ 2026-05-27T17:33:26Z
Arrow Financial Corporation (NASDAQ:AROW) Passed Our Checks, And It's About To Pay A US$0.30 Dividend
Simply Wall St. âĸ 2026-05-09T12:07:35Z
Here's Why We Think Arrow Financial (NASDAQ:AROW) Is Well Worth Watching
Simply Wall St. âĸ 2026-05-06T10:43:51Z
Advanced Micro Devices Leads Two Finance Stocks To Highs
Investor's Business Daily âĸ 2026-04-17T18:36:03Z
Bank mergers are on the rise: Your bank could be next
TheStreet âĸ 2026-03-24T01:37:00Z
Arrow Financial's (NASDAQ:AROW) Dividend Will Be Increased To $0.30
Simply Wall St. âĸ 2026-02-03T10:02:56Z
Arrow Financial: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-29T13:11:57ZWhile institutions own 41% of Arrow Financial Corporation (NASDAQ:AROW), retail investors are its largest shareholders with 45% ownership
Simply Wall St. âĸ 2026-01-28T10:14:32Z
Insider Spends US$96k Buying More Shares In Arrow Financial
Simply Wall St. âĸ 2026-01-01T10:04:42Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $165,596,000 | $139,806,000 | $133,949,000 | $149,241,000 |
| Operating Revenue | $165,596,000 | $139,806,000 | $133,949,000 | $149,241,000 |
| Expenses | ||||
| Interest Expense | $76,983,000 | $83,261,000 | $57,732,000 | $11,308,000 |
| Selling And Marketing Expense | $1,792,000 | $1,253,000 | $1,173,000 | $1,190,000 |
| General And Administrative Expense | $58,805,000 | $55,482,000 | $49,717,000 | $48,179,000 |
| Professional Expense And Contract Services Expense | $5,525,000 | $5,816,000 | $8,989,000 | $3,076,000 |
| Other Non Interest Expense | $7,948,000 | $7,936,000 | $8,831,000 | $6,572,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $43,953,000 | $29,709,000 | $30,075,000 | $48,799,000 |
| Net Interest Income | $133,164,000 | $111,732,000 | $104,832,000 | $118,343,000 |
| Interest Income | $210,147,000 | $194,993,000 | $162,564,000 | $129,651,000 |
| Normalized Income | $43,953,000 | $29,709,000 | $30,075,000 | $48,799,000 |
| Net Income From Continuing And Discontinued Operation | $43,953,000 | $29,709,000 | $30,075,000 | $48,799,000 |
| Net Income Common Stockholders | $43,811,000 | $29,709,000 | $30,075,000 | $48,799,000 |
| Net Income | $43,953,000 | $29,709,000 | $30,075,000 | $48,799,000 |
| Net Income Including Noncontrolling Interests | $43,953,000 | $29,709,000 | $30,075,000 | $48,799,000 |
| Net Income Continuous Operations | $43,953,000 | $29,709,000 | $30,075,000 | $48,799,000 |
| Pretax Income | $55,388,000 | $37,358,000 | $37,520,000 | $62,913,000 |
| Depreciation Amortization Depletion Income Statement | $311,000 | $247,000 | $176,000 | $193,000 |
| Depreciation And Amortization In Income Statement | $311,000 | $247,000 | $176,000 | $193,000 |
| Amortization Of Intangibles Income Statement | $311,000 | $247,000 | $176,000 | $193,000 |
| Special Income Charges | - | - | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $2.65 | $1.77 | $1.77 | $2.86 |
| Basic EPS | $2.65 | $1.78 | $1.77 | $2.86 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $5,418,000 | $5,361,000 | $6,718,000 | $7,548,000 |
| Diluted Average Shares | $16,514,000 | $16,745,000 | $17,037,000 | $17,058,860 |
| Basic Average Shares | $16,503,000 | $16,739,000 | $17,037,000 | $17,008,390 |
| Diluted NI Availto Com Stockholders | $43,811,000 | $29,709,000 | $30,075,000 | $48,799,000 |
| Otherunder Preferred Stock Dividend | $142,000 | - | - | - |
| Tax Provision | $11,435,000 | $7,649,000 | $7,445,000 | $14,114,000 |
| Gain On Sale Of Security | $542,000 | $-2,907,000 | $-92,000 | $427,000 |
| Amortization | $311,000 | $247,000 | $176,000 | $193,000 |
| Selling General And Administration | $60,597,000 | $56,735,000 | $50,890,000 | $49,369,000 |
| Insurance And Claims | $2,516,000 | $2,775,000 | $2,050,000 | $1,176,000 |
| Salaries And Wages | $56,289,000 | $52,707,000 | $47,667,000 | $47,003,000 |
| Occupancy And Equipment | $28,553,000 | $26,534,000 | $24,162,000 | $22,320,000 |
| Total Unusual Items | - | - | $0 | $0 |
| Total Unusual Items Excluding Goodwill | - | - | $0 | $0 |
| Other Special Charges | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-12
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $406,322,000 | $375,054,000 | $356,789,000 | $330,165,000 |
| Total Assets | $4,445,862,000 | $4,306,348,000 | $4,169,868,000 | $3,969,509,000 |
| Goodwill And Other Intangible Assets | $25,530,000 | $25,847,000 | $22,983,000 | $23,373,000 |
| Other Intangible Assets | $1,741,000 | $2,058,000 | $1,110,000 | $1,500,000 |
| Cash And Cash Equivalents | $214,183,000 | $154,546,000 | $142,536,000 | $64,660,000 |
| Cash Financial | $29,132,000 | $27,422,000 | $36,755,000 | $31,886,000 |
| Cash Cash Equivalents And Federal Funds Sold | $214,183,000 | $154,546,000 | $142,536,000 | $64,660,000 |
| Debt | ||||
| Total Debt | $29,194,000 | $33,605,000 | $51,566,000 | $79,919,000 |
| Long Term Debt And Capital Lease Obligation | $29,194,000 | $33,605,000 | $51,566,000 | $79,919,000 |
| Long Term Debt | $24,265,000 | $28,600,000 | $46,500,000 | $74,800,000 |
| Current Debt And Capital Lease Obligation | - | - | $20,000,000 | $27,000,000 |
| Current Debt | - | - | $20,000,000 | $27,000,000 |
| Other Current Borrowings | - | - | $20,000,000 | $27,000,000 |
| Net Debt | - | - | - | $10,140,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $4,014,010,000 | $3,905,447,000 | $3,790,096,000 | $3,615,971,000 |
| Equity | ||||
| Common Stock Equity | $431,852,000 | $400,901,000 | $379,772,000 | $353,538,000 |
| Total Equity Gross Minority Interest | $431,852,000 | $400,901,000 | $379,772,000 | $353,538,000 |
| Stockholders Equity | $431,852,000 | $400,901,000 | $379,772,000 | $353,538,000 |
| Gains Losses Not Affecting Retained Earnings | $-4,037,000 | $-18,453,000 | $-33,416,000 | $-49,655,000 |
| Other Equity Adjustments | $-4,037,000 | $-18,453,000 | $-33,416,000 | $-49,655,000 |
| Retained Earnings | $102,271,000 | $77,215,000 | $65,792,000 | $65,401,000 |
| Other | ||||
| Treasury Shares Number | $5,621,217 | $5,323,638 | $5,124,073 | $5,018,525 |
| Ordinary Shares Number | $16,445,342 | $16,742,921 | $16,942,486 | $17,048,186 |
| Share Issued | $22,066,559 | $22,066,559 | $22,066,559 | $22,066,711 |
| Tangible Book Value | $406,322,000 | $375,054,000 | $356,789,000 | $330,165,000 |
| Invested Capital | $456,117,000 | $429,501,000 | $426,272,000 | $428,338,000 |
| Capital Lease Obligations | $4,929,000 | $5,005,000 | $5,066,000 | $5,119,000 |
| Total Capitalization | $456,117,000 | $429,501,000 | $426,272,000 | $428,338,000 |
| Treasury Stock | $102,955,000 | $93,404,000 | $87,222,000 | $83,902,000 |
| Additional Paid In Capital | $414,506,000 | $413,476,000 | $412,551,000 | $400,270,000 |
| Capital Stock | $22,067,000 | $22,067,000 | $22,067,000 | $21,424,000 |
| Common Stock | $22,067,000 | $22,067,000 | $22,067,000 | $21,424,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $4,929,000 | $5,005,000 | $5,066,000 | $5,119,000 |
| Investments And Advances | $572,812,000 | $570,780,000 | $636,138,000 | $757,097,000 |
| Held To Maturity Securities | $20,657,000 | $98,261,000 | $131,395,000 | $175,364,000 |
| Available For Sale Securities | $9,969,000 | $9,408,000 | $6,974,000 | $8,238,000 |
| Goodwill | $23,789,000 | $23,789,000 | $21,873,000 | $21,873,000 |
| Net PPE | $59,433,000 | $59,717,000 | $59,642,000 | $56,491,000 |
| Accumulated Depreciation | $-55,880,000 | $-51,782,000 | $-49,115,000 | $-45,486,000 |
| Gross PPE | $115,313,000 | $111,499,000 | $108,757,000 | $101,977,000 |
| Leases | $5,242,000 | $5,243,000 | $5,127,000 | $5,083,000 |
| Construction In Progress | $594,000 | $3,403,000 | $1,099,000 | $15,855,000 |
| Other Properties | $4,106,000 | $4,283,000 | $4,460,000 | $4,637,000 |
| Machinery Furniture Equipment | $40,899,000 | $38,452,000 | $37,948,000 | $35,107,000 |
| Land And Improvements | $64,472,000 | $60,118,000 | $60,123,000 | $41,295,000 |
| Other Short Term Investments | $542,186,000 | $463,111,000 | $497,769,000 | $573,495,000 |
Fetched: 2026-06-12
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $36,191,000 | $28,872,000 | $13,499,000 | $45,463,000 |
| Operating Activities | ||||
| Operating Cash Flow | $41,280,000 | $34,469,000 | $20,580,000 | $59,713,000 |
| Cash Flow From Continuing Operating Activities | $41,280,000 | $34,469,000 | $20,580,000 | $59,713,000 |
| Operating Gains Losses | $-1,073,000 | $3,102,000 | $-2,118,000 | $-343,000 |
| Investing Activities | ||||
| Capital Expenditure | $-5,089,000 | $-5,597,000 | $-7,081,000 | $-14,250,000 |
| Investing Cash Flow | $-61,450,000 | $-88,950,000 | $-82,650,000 | $-393,062,000 |
| Cash Flow From Continuing Investing Activities | $-61,450,000 | $-88,950,000 | $-82,650,000 | $-393,062,000 |
| Net Other Investing Changes | $-19,000 | $696,000 | $323,000 | $-684,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-10,240,000 | $-6,790,000 | $-3,608,000 | $-2,872,000 |
| Issuance Of Capital Stock | $0 | $0 | $472,000 | $1,904,000 |
| Financing Cash Flow | $79,807,000 | $66,491,000 | $139,946,000 | $-59,687,000 |
| Cash Flow From Continuing Financing Activities | $79,807,000 | $66,491,000 | $139,946,000 | $-59,687,000 |
| Net Other Financing Charges | $1,235,000 | $6,120,000 | - | - |
| Cash Dividends Paid | $-18,897,000 | $-18,286,000 | $-17,983,000 | $-17,444,000 |
| Common Stock Dividend Paid | $-18,897,000 | $-18,286,000 | $-17,983,000 | $-17,444,000 |
| Net Common Stock Issuance | $-10,240,000 | $-6,790,000 | $-3,136,000 | $-968,000 |
| Common Stock Issuance | $0 | $0 | $472,000 | $1,904,000 |
| Other | ||||
| Repayment Of Debt | $-4,411,000 | $-120,061,000 | $-284,853,000 | $-17,250,000 |
| Issuance Of Debt | $0 | $102,100,000 | $256,500,000 | $27,000,000 |
| Interest Paid Supplemental Data | $77,209,000 | $84,489,000 | $51,828,000 | $5,752,000 |
| Income Tax Paid Supplemental Data | $18,648,000 | $8,853,000 | $6,644,000 | $13,018,000 |
| End Cash Position | $214,183,000 | $154,546,000 | $142,536,000 | $64,660,000 |
| Beginning Cash Position | $154,546,000 | $142,536,000 | $64,660,000 | $457,696,000 |
| Changes In Cash | $59,637,000 | $12,010,000 | $77,876,000 | $-393,036,000 |
| Proceeds From Stock Option Exercised | $581,000 | $724,000 | $216,000 | $1,108,000 |
| Common Stock Payments | $-10,240,000 | $-6,790,000 | $-3,608,000 | $-2,872,000 |
| Net Issuance Payments Of Debt | $-4,411,000 | $-17,961,000 | $-28,353,000 | $9,750,000 |
| Net Long Term Debt Issuance | $-4,411,000 | $-17,961,000 | $-28,353,000 | $9,750,000 |
| Long Term Debt Payments | $-4,411,000 | $-120,061,000 | $-284,853,000 | $-17,250,000 |
| Long Term Debt Issuance | $0 | $102,100,000 | $256,500,000 | $27,000,000 |
| Net Investment Purchase And Sale | $15,680,000 | $67,781,000 | $150,300,000 | $-60,056,000 |
| Sale Of Investment | $176,099,000 | $225,000,000 | $232,132,000 | $136,188,000 |
| Purchase Of Investment | $-160,419,000 | $-157,219,000 | $-81,832,000 | $-196,244,000 |
| Net Business Purchase And Sale | $0 | $32,354,000 | $0 | $0 |
| Sale Of Business | $0 | $32,354,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-1,942,000 | $-2,271,000 | $-4,374,000 | $-12,775,000 |
| Sale Of PPE | $3,147,000 | $3,326,000 | $2,707,000 | $1,475,000 |
| Purchase Of PPE | $-5,089,000 | $-5,597,000 | $-7,081,000 | $-14,250,000 |
| Change In Working Capital | $-1,779,000 | $-7,422,000 | $-19,951,000 | $-570,000 |
| Change In Other Current Liabilities | $325,000 | $787,000 | $9,269,000 | $857,000 |
| Change In Other Current Assets | $-2,104,000 | $-8,209,000 | $-29,220,000 | $-1,427,000 |
| Other Non Cash Items | $-13,964,000 | $-1,515,000 | $-158,000 | $-160,000 |
| Excess Tax Benefit From Stock Based Compensation | $120,000 | $34,000 | $11,000 | $34,000 |
| Stock Based Compensation | $1,138,000 | $809,000 | $823,000 | $859,000 |
| Deferred Tax | $193,000 | $-789,000 | $1,799,000 | $-1,252,000 |
| Deferred Income Tax | $193,000 | $-789,000 | $1,799,000 | $-1,252,000 |
| Depreciation Amortization Depletion | $5,418,000 | $5,361,000 | $6,718,000 | $7,548,000 |
| Depreciation And Amortization | $5,418,000 | $5,361,000 | $6,718,000 | $7,548,000 |
| Gain Loss On Investment Securities | $-542,000 | $2,907,000 | $92,000 | $-427,000 |
| Gain Loss On Sale Of PPE | $288,000 | $404,000 | $187,000 | $167,000 |
| Net Income From Continuing Operations | $43,953,000 | $29,709,000 | $30,075,000 | $48,799,000 |
| Pension And Employee Benefit Expense | - | - | $-681,000 | $-741,000 |
| Net Short Term Debt Issuance | - | - | - | $27,000,000 |
| Short Term Debt Payments | - | - | - | - |
Fetched: 2026-06-12