Arrow Financial (AROW) Stock Price, News & Analysis

Company Overview

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.

Key Stats

• Today's Range: $28.21 to $28.87
• 50-Day Range: $24.88 to $28.94
• 52-Week Range: $22.72 to $34.63
• Volume: 27,194 shs
• Average Volume: 41,937 shs
• Market Capitalization: $469.89 million
• P/E Ratio: 15.59
• Dividend Yield: 4.07%
• Price Target: $28.25
• Consensus Rating: Hold

Arrow Financial Stock Analysis - MarketRank™

Arrow Financial scored higher than 89% of companies evaluated by MarketBeat, and ranked 206th out of 941 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 15.59, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.61.

Price to Earnings Ratio vs. Sector

The P/E ratio of Arrow Financial is 15.59, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.68.

Price to Book Value per Share Ratio

Arrow Financial has a P/B Ratio of 1.15. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.82% 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 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Arrow Financial has recently decreased by 3.74%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

Arrow Financial is a leading dividend payer. It pays a dividend yield of 4.04%, 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 63.39%. 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 39.73% 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

0.82% 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 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Arrow Financial has recently decreased by 3.74%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 1.42

News Sentiment

Arrow Financial has a news sentiment score of 1.42. 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 higher news sentiment than the 0.84 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for Arrow Financial this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for AROW on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Arrow Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $37,762.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 3.28% 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 beginning of the year. Since then, AROW stock has decreased by 0.6% and is now trading at $28.53.

How were Arrow Financial's earnings last quarter?

Arrow Financial Corporation (NASDAQ:AROW) posted its quarterly earnings data on Thursday, July, 24th. The financial services provider reported $0.70 EPS for the quarter, topping the consensus estimate of $0.62 by $0.08. The financial services provider had revenue of $51.57 million for the quarter, compared to analysts' expectations of $39.83 million. Arrow Financial had a trailing twelve-month return on equity of 8.64% and a net margin of 13.28%.

Who are Arrow Financial's major shareholders?

Arrow Financial's top institutional investors include Geode Capital Management LLC (2.23%), American Century Companies Inc. (1.97%), Rockefeller Capital Management L.P. (0.71%) and Connor Clark & Lunn Investment Management Ltd. (0.47%). Insiders that own company stock include Gary C Dake, David S Demarco, Raymond F O'conor, William L Owens, Andrew J Wise, David D Kaiser, Daniel James White and Colin L Read.
View institutional ownership trends.

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

• Record date for 5/23 Dividend: 5/13/2025
• Ex-Dividend for 5/23 Dividend: 5/13/2025
• Dividend Payable: 5/23/2025
• Last Earnings: 7/24/2025
• Record date for 8/25 Dividend: 8/11/2025
• Ex-Dividend for 8/25 Dividend: 8/11/2025
• Today: 8/14/2025
• Dividend Payable: 8/25/2025
• Next Earnings (Estimated): 10/29/2025
• 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 Price Target for Arrow Financial: $28.25
• High Price Target: $28.50
• Low Price Target: $28.00
• Potential Upside/Downside: -0.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.83
• Trailing P/E Ratio: 15.52
• Forward P/E Ratio: 10.72
• P/E Growth: N/A
• Net Income: $29.71 million
• Net Margins: 13.28%
• Pretax Margin: 16.86%
• Return on Equity: 8.64%
• Return on Assets: 0.79%

Debt

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

Sales & Book Value

• Annual Sales: $223.07 million
• Price / Sales: 2.10
• Cash Flow: $2.35 per share
• Price / Cash Flow: 12.10
• Book Value: $24.81 per share
• Price / Book: 1.14

Miscellaneous

• Outstanding Shares: 16,470,000
• Free Float: 15,929,000
• Market Cap: $467.75 million
• Optionable: Optionable
• Beta: 0.82