Arrow Financial (AROW) Stock Price, News & Analysis

Company Overview

Arrow Financial Corporation is a bank holding company headquartered in Glens Falls, New York. Through its banking subsidiaries, including Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, the company provides financial services to individuals, families, businesses, municipalities and nonprofit organizations.

Arrow’s principal offerings include checking and savings accounts, certificates of deposit, residential and commercial mortgages, consumer and business loans, credit products, cash-management services and online banking. The company also provides wealth-management, trust, investment and insurance-related services through affiliated businesses and financial professionals.

With roots dating to the establishment of Glens Falls National Bank in 1851, Arrow serves communities primarily across northeastern New York, including the Capital Region, the Adirondack region and the greater Saratoga area. Its banking operations are focused on relationship-based service for retail and commercial customers throughout the region.

Key Stats

• Today's Range: $37.31 to $37.86
• 50-Day Range: $36.85 to $40.79
• 52-Week Range: $25.88 to $42.70
• Volume: 63,486 shs
• Average Volume: 81,364 shs
• Market Capitalization: $692.28 million
• P/E Ratio: 12.06
• Dividend Yield: 3.21%
• Price Target: $41.63
• Consensus Rating: Moderate Buy

Arrow Financial Stock Analysis - MarketRank™

Arrow Financial scored higher than 88% of companies evaluated by MarketBeat, and ranked 234th out of 839 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: 2.8 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Arrow Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 3 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

Arrow Financial has a consensus price target of $41.63, representing about 11.4% upside from its current price of $37.38.

Amount of Analyst Coverage

Arrow Financial has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 21.81%

Earnings Growth

Earnings for Arrow Financial are expected to grow by 21.81% in the coming year, from $3.53 to $4.30 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Arrow Financial is 12.06, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.95.

Price to Earnings Ratio vs. Sector

The P/E ratio of Arrow Financial is 12.06, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.43.

Price to Book Value per Share Ratio

Arrow Financial has a P/B Ratio of 1.42. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.45% 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 7.96.

Change versus previous month

Short interest in Arrow Financial has recently increased by 13.13%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

Arrow Financial pays a meaningful dividend of 3.18%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Arrow Financial has been increasing its dividend for 7 years.

Dividend Coverage

The dividend payout ratio of Arrow Financial is 38.71%. 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 27.91% next year. This indicates that Arrow Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 4.4 / 5
• News Sentiment: 1.00

News Sentiment

Arrow Financial has a news sentiment score of 1.00. 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 0.60 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles 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.

MarketBeat Follows

1 people have added Arrow Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 0.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Arrow Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

3.48% 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.

Company Calendar

• Last Earnings: 7/23/2026
• Record date for 8/25 Dividend: 8/11/2026
• Ex-Dividend for 8/25 Dividend: 8/11/2026
• Dividend Payable: 8/25/2026
• Today: 10/05/2026
• Next Earnings (Estimated): 10/29/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:AROW
• CIK: 717538
• Web: www.arrowfinancial.com
• Phone: (518) 745-1000
• Fax: 518-745-5513
• Employees: 578
• Year Founded: 1983

Price Target and Rating

• Average Price Target for Arrow Financial: $41.63
• High Price Target: $46.00
• Low Price Target: $34.50
• Potential Upside/Downside: +11.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.10
• Trailing P/E Ratio: 12.06
• Forward P/E Ratio: 10.59
• P/E Growth: N/A
• Net Income: $43.95 million
• Net Margins: 20.56%
• Pretax Margin: 25.89%
• Return on Equity: 12.13%
• Return on Assets: 1.17%

Debt

• Debt-to-Equity Ratio: 0.06
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $242.58 million
• Price / Sales: 2.85
• Cash Flow: $3.02 per share
• Price / Cash Flow: 12.38
• Book Value: $26.26 per share
• Price / Book: 1.42

Miscellaneous

• Outstanding Shares: 18,520,000
• Free Float: 17,879,000
• Market Cap: $692.28 million
• Optionable: Optionable
• Beta: 0.76