Arrow Financial (AROW) Stock Price, News & Analysis

Company Overview

Arrow Financial Corporation (NASDAQ:AROW) is a bank holding company headquartered in Glens Falls, New York, serving communities throughout upstate New York, Vermont and northwestern Massachusetts. Through its banking subsidiaries, Arrow offers a comprehensive range of financial services, including personal and business banking, mortgage lending, wealth management, trust services and treasury management. The company operates more than 60 branch locations across the Capital Region, Saratoga Springs, the Utica-Rome area, the Champlain Valley and central Vermont.

Arrow’s key banking subsidiary, Glens Falls National Bank and Trust Company, provides deposit accounts, consumer and commercial loan facilities, online and mobile banking platforms, and cash management solutions tailored to small and mid-sized businesses. Saratoga National Bank and Trust Company specializes in wealth management and trust administration, supporting high-net-worth individuals and institutional clients. Community Bank N.A. offers mortgage origination and servicing, agriculture lending and specialized lending programs designed to meet regional economic needs.

Founded in 1983 as the bank holding company for a charter dating back to the 19th century, Arrow Financial has grown both organically and through strategic acquisitions. Over the decades, the company has expanded its footprint while maintaining a focus on community engagement, personalized service and local decision-making. Arrow supports regional economic development through charitable contributions, volunteerism and partnerships with local organizations.

Leadership at Arrow Financial is headed by President and Chief Executive Officer Christopher J. Roberts, under whose guidance the company emphasizes prudent risk management, technological innovation and enhanced customer experiences. A seasoned banking executive, Roberts leads a management team committed to sustainable growth, community reinvestment and delivering value to shareholders and customers alike.

Key Stats

• Today's Range: $26.56 to $28.19
• 50-Day Range: $24.40 to $28.01
• 52-Week Range: $22.72 to $34.63
• Volume: 31,356 shs
• Average Volume: 42,327 shs
• Market Capitalization: $466.84 million
• P/E Ratio: 16.47
• Dividend Yield: 4.00%
• Price Target: $30.00
• Consensus Rating: Hold

Arrow Financial Stock Analysis - MarketRank™

Arrow Financial scored higher than 81% of companies evaluated by MarketBeat, and ranked 269th out of 909 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

Arrow Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Arrow Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 10.19%

Earnings Growth

Earnings for Arrow Financial are expected to grow by 10.19% in the coming year, from $2.65 to $2.92 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Arrow Financial is 16.47, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of Arrow Financial is 16.47, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

Arrow Financial has a P/B Ratio of 1.17. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.78% of the float of Arrow Financial has been sold short.

Short Interest Ratio / Days to Cover

Arrow Financial has a short interest ratio ("days to cover") of 2.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Arrow Financial has recently increased by 30.75%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

Arrow Financial is a leading dividend payer. It pays a dividend yield of 4.00%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Arrow Financial has been increasing its dividend for 7 years.

Dividend Coverage

The dividend payout ratio of Arrow Financial is 65.88%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Arrow Financial will have a dividend payout ratio of 38.36% next year. This indicates that Arrow Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.0 / 5
• Environmental Score: -0.64

Percentage of Shares Shorted

0.78% of the float of Arrow Financial has been sold short.

Short Interest Ratio / Days to Cover

Arrow Financial has a short interest ratio ("days to cover") of 2.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Arrow Financial has recently increased by 30.75%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.8 / 5
• News Sentiment: N/A

News Sentiment

Arrow Financial has a news sentiment score of 0.20. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Arrow Financial this week, compared to 2 articles on an average week.

Search Interest

2 people have searched for AROW on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Arrow Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $47,560.00 in company stock.

Percentage Held by Insiders

Only 3.55% of the stock of Arrow Financial is held by insiders.

Percentage Held by Institutions

46.71% of the stock of Arrow Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

AROW Stock Analysis - Frequently Asked Questions

How have AROW shares performed this year?

Arrow Financial's stock was trading at $28.71 at the start of the year. Since then, AROW shares have decreased by 2.5% and is now trading at $28.0050.

How were Arrow Financial's earnings last quarter?

Arrow Financial Corporation (NASDAQ:AROW) announced its quarterly earnings results on Thursday, May, 1st. The financial services provider reported $0.38 EPS for the quarter, missing the consensus estimate of $0.44 by $0.06. The financial services provider had revenue of $50.37 million for the quarter, compared to the consensus estimate of $39.26 million. Arrow Financial had a net margin of 12.51% and a trailing twelve-month return on equity of 8.01%.

How do I buy shares of Arrow Financial?

Shares of AROW stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Arrow Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Arrow Financial investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Advanced Micro Devices (AMD), Adobe (ADBE), ServiceNow (NOW) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 5/01/2025
• Record date for 5/23 Dividend: 5/13/2025
• Ex-Dividend for 5/23 Dividend: 5/13/2025
• Dividend Payable: 5/23/2025
• Today: 7/05/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Specialized Finance
• Current Symbol: NASDAQ:AROW
• CIK: 717538
• Web: www.arrowfinancial.com
• Phone: (518) 745-1000
• Fax: 518-745-5513
• Employees: 510
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $30.00
• High Stock Price Target: $32.00
• Low Stock Price Target: $28.00
• Potential Upside/Downside: +7.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.70
• Trailing P/E Ratio: 16.47
• Forward P/E Ratio: 10.57
• P/E Growth: N/A
• Net Income: $29.71 million
• Net Margins: 12.51%
• Pretax Margin: 15.79%
• Return on Equity: 8.01%
• Return on Assets: 0.73%

Debt

• Debt-to-Equity Ratio: 0.06
• Current Ratio: 0.93
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $144.69 million
• Price / Sales: 3.23
• Cash Flow: $2.37 per share
• Price / Cash Flow: 11.80
• Book Value: $23.95 per share
• Price / Book: 1.17

Miscellaneous

• Outstanding Shares: 16,675,000
• Free Float: 16,083,000
• Market Cap: $466.98 million
• Optionable: Optionable
• Beta: 0.78