Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

AROW stock hub

Arrow Financial Corporation has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

614.1M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

AROW

In the news

Latest news · AROW

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E9.6

P25 8.8P50 10.4P75 13.1

Trailing P/E12

P25 10.9P50 14.7P75 36.2

ROE12.1

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All AROW market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

218

Groups with data

Currency

USD

Showing 218 of 218 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000717538
Company name	Arrow Financial Corporation
Country	United States
Country code	US
Cusip	042744102
Employees	578
Employees Change	24%
Employees Change Percent	4.33
Enterprise value	$362.6M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US0427441029
Last refreshed	2026-05-10
Market cap	$614.1M
Market cap category	Small-Cap
Price	$37.15
Price currency	USD
Rev Per Employee	291,271.63x
Sector	Financials
Sic	6021
Symbol	AROW
Website	https://www.arrowfinancial.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	8.29%
EV Earnings	7.12x
EV Sales Forward	1.59x
EV/Sales	2.15x
Forward P/E	9.57x
P/B ratio	1.39x
P/E ratio	12.01x
P/S ratio	3.65x
PE Ratio10 Y	13.29x
PE Ratio3 Y	13.13x
PE Ratio5 Y	12.13x
PS Forward	2.69x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$168.4M
Net Income	$50.9M
Net Income Growth	80.29%
Net Income Growth Q	113.71%
Net Income Growth Quarters	3%
Net Income Growth Years	1%
Net Income Growth3 Y	4.42%
Net Income Growth5 Y	2.09%
Pretax Margin	38.37%
Profit Margin	30.37%
Profit Per Employee	$88,092
Profitable Years	33
ROA	1.14
Roa5y	0.99
ROE	12.11
Roe5y	10.79

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	9.09%
Cagr15y	9.4%
Cagr1y	51.41%
Cagr20y	7.94%
Cagr3y	28.15%
Cagr5y	5.52%
Div CAGR10	4.15%
Div CAGR3	4.27%
Div CAGR5	4.55%
EPS Growth	82.06
EPS Growth Q	116.6
EPS Growth Quarters	3
EPS Growth Years	1
EPS Growth3 Y	5.67
EPS Growth5 Y	2.68
Revenue Growth	24.61x
Revenue Growth Q	29.36x
Revenue Growth Quarters	4x
Revenue Growth Years	2x
Revenue Growth3 Y	5.73x
Revenue Growth5 Y	5.3x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$4.5B
Cash	$288.9M
Debt	$37.5M
Equity	$440.1M
Liabilities	$4.1B
Net Cash	$251.5M
Net Cash By Market Cap	$40.96
Net Cash Growth	-1.18%
Net Debt Equity	$-0.57
Tangible Book Value	$414.7M
Tangible Book Value Per Share	$25.09
WACC	8

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-3.7B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	1.55%
Dividend Growth	6.31%
Dividend Growth Years	32%
Dividend per share	$1.2
Dividend Years	34
Dividend Yield	3.23%
Ex Div Date	2026-05-12
Last Dividend	$0.3
Payout Frequency	Quarterly
Payout Ratio	38.14%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	138.55%
1Y total return	51.37%
200-day SMA	31.37
3Y total return	110.47%
50-day SMA	34.75
50-day SMA vs 200-day SMA	50over200
5Y total return	30.83%
All Time High	38.09
All Time High Change	-2.47%
All Time High Date	2026-04-17
All Time Low	1.16
All Time Low Change	3,108.12%
All Time Low Date	1991-12-19
ATR	0.86
Beta	0.77
Beta1y	0.69
Beta2y	0.87
Ch YTD	18.31
High	37.23
High52	38.09
High52 Date	2026-04-17
High52ch	-2.47%
Low	36.81
Low52	24.57
Low52 Date	2025-06-17
Low52ch	51.2%
Ma50ch	6.9%
Price vs 200-day SMA	18.43%
RSI	59.65
RSI Monthly	67.12
RSI Weekly	65.84
Sharpe ratio	1.55x
Sortino ratio	2.75
Total Return	4.78%
Tr YTD	19.32
Tr15y	284.73%
Tr1m	6.45%
Tr1w	0.03%
Tr3m	3.93%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	1
Analyst Ratings	Hold
Earnings EPS Estimate	$0.79
Earnings EPS Estimate Growth	107.9
Earnings Revenue Estimate	43,800,000x
Earnings Revenue Estimate Growth	11.73x
Operating Income	$67M
Operating margin	39.82
Price target	$28
Price Target Change	$-24.63

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	14,107,685%
Float Percent	85.35%
Shares Insiders	3.31%
Shares Institutions	46.91%
Shares Out	16,529,019
Shares Qo Q	-0.06%
Shares Yo Y	-1.55%
Short Float	1.24%
Short Ratio	1.78
Short Shares	1.06

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	78,684.2x
Bv Per Share	26.63
CAPEX	$-5.1M
Ch10y	68.25
Ch15y	123
Ch1m	6.45
Ch1w	0.03
Ch1y	45.57
Ch20y	118.7
Ch3m	3.05
Ch3y	84.4
Ch5y	7.68
Ch6m	23.63
Change	0.22%
Change From Open	0.27
Close	37.07
Days Gap	-0.05
Dollar Volume	2,301,293.9
Earnings Date	2026-04-30
Earnings Time	bmo
EPS	$3.09
F Score	3
Financing CF	19,349,000
Fiscal Year End	December
Founded	1,851
Goodwill	23,789,000
Graham Number	43.05574
Graham Upside	15.9
Income Tax	$13.5M
Investing CF	-81,642,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-30
Last Report Date	2026-03-31
Last Split Date	2023-09-19
Last Split Type	Forward
Last10k Filing Date	2026-03-06
Lynch Fair Value	$15.47
Lynch Upside	-58.36
Ma150	32.37
Ma150ch	14.78%
Ma20	36.65
Ma20ch	1.35%
Net CF	-15,840,000
Next Earnings Date	2026-07-23
Open	37.05
Optionable	Yes
P OCF Ratio	13.22
Payment Date	2026-05-26
Position In Range	80.95
Ppne	59,561,000
Price Date	2026-05-08
Ptbv Ratio	1.48
Relative Volume	0.79x
Revenue	168,355,000x
SBC By Revenue	0.73x
Share Based Comp	1,234,000
Tax By Revenue	8x
Tax Rate	20.86%
Tr20y	361.22%
Tr6m	25.86%
Us State	New York
Volume	61,946

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

AROW dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.2%

$1.20 annual per share

Payout ratio

+38.1%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+4.5%

32 consecutive years of growth

Total shareholder yield

+4.8%

Next ex-dividend date: 2026-05-12

Performance

AROW stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns AROW?

Insider, institutional, and short-interest positioning.

Institutional ownership

+46.9%

Float: +85.4% of shares outstanding

Insider ownership

+3.3%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

AROW momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

59.7

Neutral momentum band

Price vs 200-day MA

+18.4%

50/200-day relationship not available

Beta (5Y)

0.77

Less volatile than the market

Sharpe ratio

1.55

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

AROW vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Reduzir
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Reduzir
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Reduzir

Questions

About AROW

Hub-level FAQ points readers to the deeper analysis pages.

What is the current AROW stock rating?

Arrow Financial Corporation is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full AROW analysis?

The full report lives at /stocks/AROW/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for AROW?

The latest report frames AROW around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the AROW page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.