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Arrow Financial Corporation

Data quality: 100%
AROW
NASDAQ Financial Services Banks - Regional
$33.21
▼ $0.03 (-0.09%)
Mkt Cap: 548.35M
Day Range
$32.91 $33.63
52-Week Range
$22.72 $36.44
Volume
93,750
50D / 200D Avg
$33.56 / $29.81
Prev Close
$33.24

Quick Summary

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 12.5 10.3
P/B 1.3 1.1
ROE % 10.6 11.7
Net Margin % 18.1 16.9
Rev Growth 5Y % 13.2 11.6
D/E 0.1 0.5

Analyst Price Target

Hold
$30.00 -9.7%
Forward P/E
9.10
Forward EPS
$3.65
EPS Growth (est.)
+0.0%
Est. Revenue
207.00M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $4.33
$4.33 – $4.33
244.80M 1
FY2026 $3.65
$3.65 – $3.65
207.00M 1

Earnings Surprises

Last 8 quarters
Quarter Est. EPS Actual EPS Surprise
2026-03-06 N/A $0.85
2025-10-30 $0.72 $0.77 +6.9%
2025-07-24 $0.60 $0.70 +16.7%
2025-05-01 $0.43 $0.38 -10.9%
2025-03-14 N/A $0.27
2024-10-31 $0.53 $0.53 0.0%
2024-07-25 $0.54 $0.52 -3.7%
2024-04-30 $0.47 $0.45 -4.3%

Dividend History

7 yr streak

Yield

0.04%

Payout Ratio

0.43%

Growth (3Y)

1.82%

Growth (5Y)

1.85%

Ex-Date Payment Date Amount Yield
Feb 11, 2026 Feb 25, 2026 $0.30 3.32%
Nov 12, 2025 Nov 24, 2025 $0.29 3.73%
Aug 11, 2025 Aug 25, 2025 $0.29 4.11%
May 13, 2025 May 23, 2025 $0.28 4.17%
Feb 10, 2025 Feb 24, 2025 $0.28 4.14%
Oct 15, 2024 Oct 29, 2024 $0.28 3.73%
Aug 12, 2024 Aug 23, 2024 $0.27 3.93%
May 10, 2024 May 24, 2024 $0.27 4.55%
Feb 09, 2024 Feb 23, 2024 $0.27 4.44%
Nov 30, 2023 Dec 15, 2023 $0.27 4.38%
Aug 31, 2023 Sep 15, 2023 $0.28 6.32%
Jun 01, 2023 Jun 15, 2023 $0.28 6.07%
Mar 02, 2023 Mar 15, 2023 $0.28 3.71%
Nov 30, 2022 Dec 15, 2022 $0.27 3.09%
Aug 31, 2022 Sep 15, 2022 $0.27 3.43%
May 31, 2022 Jun 15, 2022 $0.27 3.30%
Feb 28, 2022 Mar 15, 2022 $0.27 3.15%
Dec 01, 2021 Dec 15, 2021 $0.26 3.13%
Sep 02, 2021 Sep 15, 2021 $0.26 2.98%
Jun 01, 2021 Jun 15, 2021 $0.26 2.98%

Key Takeaways

Revenue grew 13.16% annually over 5 years — strong growth
Earnings grew 47.95% over the past year
ROE of 10.56% — decent returns on equity
Net margin of 18.12% shows strong profitability
Debt/Equity of 0.07 — conservative balance sheet
Generating 36.19M in free cash flow

Growth

Revenue Growth (5Y)
13.16%
Revenue (1Y)8.75%
Earnings (1Y)47.95%
FCF Growth (3Y)63.74%

Quality

Return on Equity
10.56%
ROIC9.01%
Net Margin18.12%
Op. Margin22.83%

Safety

Debt / Equity
0.07
Current Ratio0.04
Interest Coverage0.72

Valuation

P/E Ratio
12.48
Forward P/E9.13
P/B Ratio1.27
EV/EBITDA9.90
Dividend Yield0.04%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 8.75% Revenue Growth (3Y) 12.50%
Earnings Growth (1Y) 47.95% Earnings Growth (3Y) 20.89%
Revenue Growth (5Y) 13.16% Earnings Growth (5Y) -3.10%
Profitability
Revenue (TTM) 242.58M Net Income (TTM) 43.95M
ROE 10.56% ROA 0.99%
Gross Margin 65.27% Operating Margin 22.83%
Net Margin 18.12% Free Cash Flow (TTM) 36.19M
ROIC 9.01% FCF Growth (3Y) 63.74%
Safety
Debt / Equity 0.07 Current Ratio 0.04
Interest Coverage 0.72
Dividends
Dividend Yield 0.04% Payout Ratio 0.43%
Dividend Growth (3Y) 1.82% Dividend Growth (5Y) 1.85%
Consecutive Div Years 7 yrs
Valuation
P/E Ratio 12.48 Forward P/E 9.13
P/B Ratio 1.27 P/S Ratio 2.26
PEG Ratio 0.24 Forward PEG N/A
EV/EBITDA 9.90 Fwd EV/EBITDA 8.40
Forward P/S 2.65 Fwd Earnings Yield 10.95%
FCF Yield 6.60%
Market Cap 548.35M Enterprise Value 548.41M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 242.58M 223.07M 191.68M 160.55M 147.92M
Net Income 43.95M 29.71M 30.08M 48.80M 49.86M
EPS (Diluted) 2.65 1.77 1.77 2.86 2.92
Gross Profit 158.32M 134.63M 130.57M 144.44M 142.45M
Operating Income 55.39M 37.36M 37.52M 62.91M 64.40M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 4.45B 4.31B 4.17B 3.97B 4.03B
Total Liabilities 4.01B 3.91B 3.79B 3.62B 3.66B
Shareholders' Equity 431.85M 400.90M 379.77M 353.54M 371.19M
Total Debt 29.19M 33.61M 71.57M 106.92M 70.17M
Cash & Equivalents 29.13M 154.55M 142.54M 64.66M 457.70M
Current Assets 29.13M 617.66M 640.31M 638.16M 1.02B
Current Liabilities 722.37M 3.83B 3.71B 3.53B 3.55B

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches
#1045 of 1052
11
#233 of 332
42

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026
Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026