Arrow Financial (AROW) Stock Price, News & Analysis

Company Overview

Arrow Financial Corporation is a bank holding company headquartered in Glens Falls, New York, that conducts its primary operations through its subsidiary, Glens Falls National Bank & Trust Company. The company provides a comprehensive suite of retail and commercial banking services, including checking and savings accounts, consumer and commercial lending, mortgage financing, and cash management solutions. Through its branch network, Arrow Financial serves individuals, small- and medium-sized businesses, and nonprofit organizations across the Adirondack region, Upper Hudson Valley, Mohawk Valley and parts of Central New York.

In addition to traditional banking, Arrow Financial has developed a robust wealth management and trust services division. This segment offers investment advisory, fiduciary and estate planning services, retirement planning, and brokerage solutions designed to meet the needs of high‐net‐worth clients and institutional customers. The company also provides insurance products through affiliated agencies, covering property and casualty, life and health lines, as well as employee benefits administration.

Glens Falls National Bank traces its heritage to the mid-19th century, and Arrow Financial Corporation was established in the 1960s to create a diversified financial services platform. Over the decades, the company has expanded its footprint through strategic branch openings and selective acquisitions, including the integration of community banks in Cooperstown and surrounding counties. This approach has reinforced its commitment to local decision-making, personalized customer service and community reinvestment.

Under the guidance of an experienced management team and board of directors, Arrow Financial continues to invest in digital banking capabilities alongside its community-based model. The company emphasizes strong customer relationships, prudent risk management and a focus on sustainable growth, positioning itself as a longstanding financial partner for individuals and businesses throughout upstate New York.

Key Stats

• Today's Range: $29.23 to $29.67
• 50-Day Range: $26.16 to $29.78
• 52-Week Range: $22.72 to $34.63
• Volume: 17,976 shs
• Average Volume: 42,420 shs
• Market Capitalization: $488.75 million
• P/E Ratio: 16.22
• Dividend Yield: 3.91%
• Price Target: $28.25
• Consensus Rating: Hold

Arrow Financial Stock Analysis - MarketRank™

Arrow Financial scored higher than 91% of companies evaluated by MarketBeat, and ranked 171st out of 927 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 16.13, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 271.81.

Price to Earnings Ratio vs. Sector

The P/E ratio of Arrow Financial is 16.13, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 230.49.

Price to Book Value per Share Ratio

Arrow Financial has a P/B Ratio of 1.19. 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

0.80% of the outstanding shares of Arrow Financial have 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 0.08%, 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 3.90%, 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

0.80% of the outstanding shares of Arrow Financial have 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 0.08%, indicating that investor sentiment is improving.

News and Social Media

• Score: 4.3 / 5
• News Sentiment: 1.69

News Sentiment

Arrow Financial has a news sentiment score of 1.69. 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 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Arrow Financial this week, compared to 2 articles on an average week.

Search Interest

1 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: 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 $391,282.00 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 on January 1st, 2025. Since then, AROW shares have increased by 2.8% and is now trading at $29.52.

How were Arrow Financial's earnings last quarter?

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

Who are Arrow Financial's major shareholders?

Top institutional shareholders of Arrow Financial 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, 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

• Last Earnings: 7/24/2025
• Record date for 8/25 Dividend: 8/11/2025
• Ex-Dividend for 8/25 Dividend: 8/11/2025
• Dividend Payable: 8/25/2025
• Today: 9/04/2025
• 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: 1983

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: -4.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.83
• Trailing P/E Ratio: 16.18
• Forward P/E Ratio: 11.17
• 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: 2.19
• Cash Flow: $2.36 per share
• Price / Cash Flow: 12.52
• Book Value: $24.81 per share
• Price / Book: 1.19

Miscellaneous

• Outstanding Shares: 16,470,000
• Free Float: 15,929,000
• Market Cap: $487.59 million
• Optionable: Optionable
• Beta: 0.83