Arrow Financial Corporation

Arrow Financial Corporation

AROW
Arrow Financial CorporationUS flagNASDAQ Global Select
36.99
USD
+0.60
- -
611.41MMarket Cap
Arrow Financial Corporation
AROW
(NASDAQ Global Select)

Recent

price

36.99

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.05
5.22
5.24
5.2
5.49
5.76
6.03
6.35
6.76
6.93
7.8
8.4
8.77
7.86
8.35
10.03
10.42
Revenue per Share
1.38
1.36
1.37
1.34
1.43
1.51
1.61
1.77
2.17
2.23
2.42
2.93
2.87
1.77
1.77
2.66
3.11
Basic EPS, GAAP
0.57
1.91
1.51
2.13
1.79
1.67
2.02
2.12
2.21
2.15
2.2
3.59
2.67
0.79
1.72
2.19
2.52
Free Cash Flow per Basic Share
0.69
0.71
0.73
0.75
0.76
0.78
0.79
0.82
0.86
0.9
0.93
0.96
1.03
1.06
1.09
1.15
1.17
Dividend per Share
2.53
2.49
2.64
2.73
2.86
3.03
2.83
2.85
2.89
3.14
3.67
4.41
5.1
5.16
5.93
7.53
8.09
Book Value per Share
8.49
8.68
9.25
10.24
10.76
11.57
12.65
13.59
14.72
16.54
18.38
20.44
19.41
20.94
22.41
24.62
25.24
Tangible Book Value per Share
16
16
16
16
16
16
16
17
17
17
17
17
17
17
17
17
16
Basic Weighted Avg Shares
80
84
85
84
89
94
99
105
113
117
132
143
149
134
140
166
171
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4
7
9
9
7
6
6
5
5
6
7
8
8
7
5
5
5
Depreciation Expense
22
22
22
22
23
25
27
29
36
37
41
50
49
30
30
44
51
Net Income, GAAP
30.82
30.69
30.34
29.41
30.34
30.08
29.71
26.42
19.92
20.39
21.28
22.59
22.43
19.84
20.47
20.65
20.86
Effective Tax Rate (%)
27.24
26.1
26.24
25.86
26.13
26.22
26.7
27.85
32.11
32.14
30.96
34.93
32.7
22.45
21.25
26.54
29.87
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
150
102
79
40
30
157
198
180
299
185
70
70
80
52
34
29
29
LT Debt
152
166
176
192
201
214
233
250
270
302
334
371
354
380
401
432
440
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
55.09
54.67
53.63
50.18
51.49
51.33
55.19
62.47
75.9
74.12
71.05
72.8
60.36
34.43
31.75
39.31
43.74
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
24
24
24
LT Finance Leases
5
5
5
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
16
16
17
Market Capitalization
469
518
552

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
921
756
851
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.37%
5.39%
7.72%
Free Cash Flow
14.09%
21.52%
25.35%
Net Income, GAAP
8.24%
5.67%
47.95%
Sales/Revenue/Turnover
6.06%
5.08%
18.45%
Total Cash Common Dividend
4.06%
3.74%
3.34%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
34
35
37
34
140
2025
39
40
43
43
166
2026
45
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.45
0.52
0.54
0.27
1.77
2025
0.38
0.65
0.78
0.85
2.66
2026
0.82
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.27
0.27
0.27
0.28
1.09
2025
0.28
0.28
0.29
0.29
1.15
2026
0.3
- -
- -
- -
- -
Business
Arrow Financial Corporation, a distinguished bank holding company, delivers a comprehensive array of commercial and consumer banking, along with diverse financial offerings. Its deposit suite encompasses demand accounts, interest-bearing checking options, various savings products, and fixed-term certificates. The company's robust lending portfolio features commercial credit lines, term loans, and notes, alongside commercial real estate financing for property acquisitions, refinancing, expansions, and development ventures. Furthermore, it extends consumer installment credit for personal expenses, personal lines of credit, overdraft protection, and automotive loans. Residential real estate services include mortgages, fixed home equity loans, and flexible home equity lines of credit designed for improvements, debt consolidation, education, and other individual needs. The corporation also maintains an indirect lending program and actively sells residential loan originations into the secondary market. Beyond traditional banking, Arrow Financial provides extensive wealth management services, including retirement planning, trust and estate administration for individuals, and comprehensive pension, profit-sharing, and employee benefit plan administration for corporate clients. Its subsidiary, Upstate Agency, LLC, offers a full spectrum of insurance solutions, such as group health, life, and property and casualty policies. Additionally, the company offers investment advisory services. Operating as Arrow Bank National Association since January 2025, following the unification of its banking subsidiaries, the firm serves the financial needs of communities across northeastern New York, spanning from Plattsburgh to Albany, covering counties including Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady. With a heritage dating back to 1851, Arrow Financial Corporation is headquartered in Glens Falls, New York. The unified Arrow Bank now operates 38 branches across this strategic region.

Company News

APIChat
  • Arrow Financial Corporation and Adirondack Bancorp, Inc. Receive OCC Approval for Merger

  • Arrow Reports 1st Quarter Net Income of $13.5 Million, or $0.82 per Share, and Declares 2nd Quarter Dividend of $0.30 per Share

  • Advanced Micro Devices Leads Two Finance Stocks To Highs

  • Arrow Financial (NASDAQ:AROW) Reaches New 52-Week High – Here’s Why

  • Financial Comparison: MainStreet Bank (NASDAQ:MNSB) & Arrow Financial (NASDAQ:AROW)

  • Arrow Financial Corporation (NASDAQ:AROW) Short Interest Up 46.7% in March

  • Short Interest in Arrow Financial Corporation (NASDAQ:AROW) Increases By 35.8%

  • Arrow Financial (NASDAQ:AROW) and Orrstown Financial Services (NASDAQ:ORRF) Head-To-Head Contrast

  • Arrow Financial Corporation Announces Strategic Acquisition of Adirondack Bancorp, Inc.

  • Arrow Reports 4th Quarter Net Income of $14.0 Million or $0.85 per Share and $44.0 Million or $2.65 per Share for 2025; Declares 1st Quarter Dividend of $0.30 per Share

  • Critical Review: Arrow Financial (NASDAQ:AROW) versus Washington Trust Bancorp (NASDAQ:WASH)

  • Insider Buying: Arrow Financial (NASDAQ:AROW) CEO Acquires $96,452.30 in Stock

  • Arrow Financial Corporation Appoints Darrin Jahnel to Board of Directors

  • Arrow Financial (NASDAQ:AROW) Shares Cross Above 200-Day Moving Average – Time to Sell?

  • Arrow Financial: A Small-Cap Dividend Play

  • 16 Upcoming Dividend Increases Including 2 Kings

  • Dividend Champion, Contender, And Challenger Highlights: Week Of August 3

  • Arrow Financial (AROW) Q1 Earnings and Revenues Miss Estimates

  • Analysts Estimate Arrow Financial (AROW) to Report a Decline in Earnings: What to Look Out for

  • Arrow Financial (AROW): Strong Industry, Solid Earnings Estimate Revisions