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. Through its banking subsidiaries, the company provides commercial and consumer banking services to individuals, families, businesses and municipalities.

Arrow’s offerings include checking and savings accounts, certificates of deposit, residential mortgages, home equity financing, consumer loans, commercial lending, treasury management and online banking. Through affiliated businesses, it also provides investment management, trust and financial planning services, as well as insurance products.

The company’s banking operations serve communities primarily in eastern New York, including the Capital Region, the Adirondacks and the surrounding areas. Arrow traces its banking heritage to Glens Falls National Bank, which was founded in 1851, and has expanded through additional banking and financial-services operations over time.

Key Stats

• Today's Range: $38.38 to $39.34
• 50-Day Range: $36.18 to $39.57
• 52-Week Range: $28.92 to $42.70
• Volume: 13,548 shs
• Average Volume: 87,932 shs
• Market Capitalization: $721.30 million
• P/E Ratio: 14.76
• Dividend Yield: 3.08%
• Price Target: $41.63
• Consensus Rating: Moderate Buy

Arrow Financial Stock Analysis - MarketRank™

Arrow Financial scored higher than 83% of companies evaluated by MarketBeat, and ranked 287th out of 859 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: 2.1 / 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/Downside

The consensus price target for Arrow Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Arrow Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 20.79%

Earnings Growth

Earnings for Arrow Financial are expected to grow by 20.79% in the coming year, from $3.56 to $4.30 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Arrow Financial is 11.96, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.64.

Price to Earnings Ratio vs. Sector

The P/E ratio of Arrow Financial is 11.96, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.16.

Price to Book Value per Share Ratio

Arrow Financial has a P/B Ratio of 1.50. 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

3.54% 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 9.7.

Change versus previous month

Short interest in Arrow Financial has recently decreased by 4.55%, indicating that investor sentiment is improving.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

Arrow Financial pays a meaningful dividend of 3.16%, 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 45.45%. 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: 3.7 / 5
• News Sentiment: 0.88

News Sentiment

Arrow Financial has a news sentiment score of 0.88. 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 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 12 news articles for Arrow Financial this week, compared to 2 articles on an average week.

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

• Record date for 8/25 Dividend: 8/11/2026
• Ex-Dividend for 8/25 Dividend: 8/11/2026
• Dividend Payable: 8/25/2026
• Last Earnings: 10/29/2026
• Today: 11/03/2026
• Ex-Dividend for 11/23 Dividend: 11/10/2026
• Record date for 11/23 Dividend: 11/11/2026
• Dividend Payable: 11/23/2026
• 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: +6.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.64
• Trailing P/E Ratio: 14.76
• Forward P/E Ratio: 9.06
• 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: 2.97
• Cash Flow: $3.13 per share
• Price / Cash Flow: 12.46
• Book Value: $26.26 per share
• Price / Book: 1.48

Miscellaneous

• Outstanding Shares: 18,520,000
• Free Float: 17,879,000
• Market Cap: $721.30 million
• Optionable: Optionable
• Beta: 0.76