(AROW) Arrow Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 601m USD | Total Return: 36.5% in 12m
Commercial Loans, Consumer Banking, Mortgages, Wealth Management, Insurance
Total Rating 55
Safety 52
Buy Signal -0.01
Banks - Regional
Industry Rotation: -9.8
Industry Rotation: -9.8
Market Cap:
601M
Avg Turnover: 2.43M
Avg Turnover: 2.43M
Risk 3d forecast
Volatility28.6%
VaR 5th Pctl4.68%
VaR vs Median-0.76%
Reward TTM
Sharpe Ratio1.15
Rel. Str. IBD69.3
Rel. Str. Peer Group87.8
Character TTM
Beta0.589
Beta Downside0.698
Hurst Exponent0.518
Drawdowns 3y
Max DD29.91%
CAGR/Max DD1.00
CAGR/Mean DD2.46
EPS (Earnings per Share)
EPS CAGR: 3.15%
EPS Trend: 15.3%
EPS Trend: 15.3%
Last SUE: 1.52
Qual. Beats: 4
Qual. Beats: 4
Revenue
Rev. CAGR: 13.88%
Rev. Trend: 90.3%
Rev. Trend: 90.3%
Last SUE: 0.69
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: AROW Arrow Financial
Arrow Financial Corporation (AROW) is a New York-based bank holding company established in 1851. It operates primarily through its regional banking subsidiaries, offering a broad suite of financial services including commercial and consumer lending, deposit products, and wealth management. The company’s credit portfolio is diversified across commercial real estate, residential mortgages, and indirect automobile lending.
The regional banking sector typically relies on the net interest margin, which is the spread between the interest earned on loans and the interest paid to depositors. Beyond traditional banking, Arrow Financial generates non-interest income through trust and estate administration, pension plan services, and the sale of property, casualty, and life insurance products. This multi-channel approach allows regional banks to stabilize revenue during periods of fluctuating interest rates.
Investors can further evaluate these revenue streams by reviewing the fundamental analysis available on ValueRay. The company maintains a localized business model, focusing its operations on the Glens Falls and North Country regions of New York.
- Net interest margin compression impacts profitability amid fluctuating Federal Reserve rates
- Indirect automobile lending volume dictates consumer loan portfolio growth and risk
- Real estate concentration in Northern New York exposes bank to regional downturns
- Wealth management and insurance fee income stabilizes revenue during credit cycles
- Regulatory compliance costs and capital requirements influence dividend and buyback capacity
Piotroski VR‑10 (Strict)
3.5
| Net Income: 51.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.27 > 1.0 |
| NWC/Revenue: -280.9% < 20% (prev -1.42k%; Δ 1.14k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 46.5m > Net Income 51.1m |
| Net Debt (71.0k) to EBITDA (67.5m): 0.00 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.4m) vs 12m ago -1.62% < -2% |
| Gross Margin: 68.22% > 18% (prev 0.60%; Δ 6.76k% > 0.5%) |
| Asset Turnover: 5.50% > 50% (prev 5.10%; Δ 0.41% > 0%) |
| Interest Coverage Ratio: 0.40 > 6 (EBITDA TTM 67.5m / Interest Expense TTM 75.6m) |
Altman Z''
-0.85
| A: -0.15 (Total Current Assets 29.1m - Total Current Liabilities 722.4m) / Total Assets 4.52b |
| B: 0.02 (Retained Earnings 110.8m / Total Assets 4.52b) |
| C: 0.01 (EBIT TTM 30.5m / Avg Total Assets 4.49b) |
| D: 0.03 (Book Value of Equity 128.1m / Total Liabilities 4.08b) |
| Altman-Z'' Score: -0.85 = CCC |
What is the price of AROW shares?
As of May 16, 2026, the stock is trading at USD 35.19 with a total of 65,828 shares traded.
Over the past week, the price has changed by -4.49%, over one month by -1.85%, over three months by +1.49% and over the past year by +36.51%.
Over the past week, the price has changed by -4.49%, over one month by -1.85%, over three months by +1.49% and over the past year by +36.51%.
Is AROW a buy, sell or hold?
Arrow Financial has received a consensus analysts rating of 3.00.
Therefor, it is recommend to hold AROW.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the AROW price?
| Analysts Target Price | 38 | 8% |
Arrow Financial (AROW) - Fundamental Data Overview
as of 13 May 2026
P/E Trailing = 11.7767 P/E Forward = 13.0039
P/S = 3.5728
P/B = 1.3951
P/EG = 2.8438
Revenue TTM = 246.8m USD
EBIT TTM = 30.5m USD
EBITDA TTM = 67.5m USD
Long Term Debt = 24.3m USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 29.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 71.0k USD (from netDebt column, last quarter)
Enterprise Value = 601.6m USD (601.5m + Debt 29.2m - CCE 29.1m)
Interest Coverage Ratio = 0.40 (Ebit TTM 30.5m / Interest Expense TTM 75.6m)
EV/FCF = 14.55x (Enterprise Value 601.6m / FCF TTM 41.3m)
FCF Yield = 6.87% (FCF TTM 41.3m / Enterprise Value 601.6m)
FCF Margin = 16.75% (FCF TTM 41.3m / Revenue TTM 246.8m)
Net Margin = 20.72% (Net Income TTM 51.1m / Revenue TTM 246.8m)
Gross Margin = 68.22% ((Revenue TTM 246.8m - Cost of Revenue TTM 78.4m) / Revenue TTM)
Gross Margin QoQ = 70.82% (prev 67.69%)
Tobins Q-Ratio = 0.13 (Enterprise Value 601.6m / Total Assets 4.52b)
Interest Expense / Debt = 60.55% (Interest Expense 17.7m / Debt 29.2m)
Taxrate = 22.25% (3.86m / 17.3m)
NOPAT = 23.7m (EBIT 30.5m * (1 - 22.25%))
Current Ratio = 0.04 (Total Current Assets 29.1m / Total Current Liabilities 722.4m)
Debt / Equity = 0.07 (Debt 29.2m / totalStockholderEquity, last quarter 440.1m)
Debt / EBITDA = 0.00 (Net Debt 71.0k / EBITDA 67.5m)
Debt / FCF = 0.00 (Net Debt 71.0k / FCF TTM 41.3m)
Total Stockholder Equity = 424.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 51.1m / Total Assets 4.52b)
RoE = 12.04% (Net Income TTM 51.1m / Total Stockholder Equity 424.5m)
RoCE = 6.79% (EBIT 30.5m / Capital Employed (Equity 424.5m + L.T.Debt 24.3m))
RoIC = 5.33% (NOPAT 23.7m / Invested Capital 445.1m)
WACC = 7.69% (E(601.5m)/V(630.7m) * Re(8.06%) + (debt cost/tax rate unavailable))
Discount Rate = 8.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.01%
[DCF] Terminal Value 78.37% ; FCFF base≈36.2m ; Y1≈33.2m ; Y5≈29.6m
[DCF] Fair Price = 34.63 (EV 572.5m - Net Debt 71.0k = Equity 572.4m / Shares 16.5m; r=7.69% [WACC]; 5y FCF grow -10.45% → 3.0% )
EPS Correlation: 15.30 | EPS CAGR: 3.15% | SUE: 1.52 | # QB: 4
Revenue Correlation: 90.34 | Revenue CAGR: 13.88% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.83 | Chg30d=+0.00% | Revisions=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.96 | Chg30d=+1.05% | Revisions=+20% | Analysts=1
EPS current Year (2026-12-31): EPS=3.70 | Chg30d=+1.37% | Revisions=+20% | GrowthEPS=+34.9% | GrowthRev=+26.3%
EPS next Year (2027-12-31): EPS=4.30 | Chg30d=-0.69% | Revisions=-20% | GrowthEPS=+16.2% | GrowthRev=+16.8%