AROW — Arrow Financial Corporation stock price, charts and financials

NASDAQ·Financial Services·Banks - Regional·USA

Latest market price

40.79

+0.46+1.14%

Overview Short InterestFilings

AROWQT71Arrow Financial Corporation·NASDAQ

Overview Short InterestFilings

40.79+1.14%

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Signal & projected range

Earnings big miss — drift (PEAD)Historical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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DCOM+1.29%$41.74 TCBK+1.02%$58.63 CASH-1.38%$89.50 STBA+0.57%$52.68 TFIN+4.18%$79.83 GABC+0.18%$51.19 NBHC+0.65%$43.47 STEL+0.03%$39.32

Snapshot

Index	-	P/E	13.07	EPS (ttm)	3.12	Insider Own	5.19%	Shs Outstand	16.53M	Perf Week	1.52%

Market Cap	674.22M	Forward P/E	9.50	EPS next Y	4.29	Insider Trans	-0.48%	Shs Float	14.19M	Perf Month	-1.21%

Enterprise Value	978.22M	PEG	0.59	EPS next Q	0.94	Inst Own	-	Short Float	3.00%	Perf Quarter	12.52%

Income	51.00M	P/S	3.20	EPS this Y	12.67%	Inst Trans	-	Short Ratio	4.83	Perf Half Y	17.79%

Sales	211.00M	P/B	1.51	EPS next Y	22.18%	ROA	1.14%	Short Interest	425.21K	Perf YTD	29.90%

Book/sh	26.98	P/C	21.75	EPS next 5Y	22.18%	ROE	11.82%	52W High	42.70 -4.47%	Perf Year	55.93%

Cash/sh	1.88	P/FCF	19.92	EPS past 3/5Y	-2.51% 1.92%	ROIC	3.29%	52W Low	25.88 57.61%	Perf 3Y	101.53%

Dividend Est.	1.20 (2.94%)	EV/EBITDA	26.44	Sales past 3/5Y	14.71% 10.88%	Gross Margin	63.64%	Volatility	2.04% 2.68%	Perf 5Y	17.58%

Dividend TTM	1.18 (2.89%)	EV/Sales	4.64	EPS Y/Y TTM	76.27%	Oper. Margin	16.19%	ATR (14)	1.11	Perf 10Y	43.73%

Dividend Ex-Date	Aug 11, 2026	Quick Ratio	0.01	Sales Y/Y TTM	-5.38%	Profit Margin	24.21%	RSI (14)	55.06	Recom	2.00

Dividend Gr. 3/5Y	2.57% 2.46%	Current Ratio	0.01	EPS Q/Q	1.43%	SMA20	0.56%	Beta	0.77	Target Price	46.00

Payout	28.25%	Debt/Eq	0.07	Sales Q/Q	-59.32%	SMA50	3.32%	Rel Volume	0.79	Prev Close	40.33

Employees	578	LT Debt/Eq	0.07	Earnings	Oct 29	SMA200	18.08%	Avg Volume	89.58K	Price	40.79

IPO Date	Sep 18, 1980	Option/Short	Yes / Yes	EPS/Sales Surpr.	-16.47% -2.91%	Net Debt/EBITDA	8.20	Volume	71,104	Change	1.14%

Analyst Ratings

Date	Action	Analyst	Rating	Target
Jul-28-26	Reiterated	Piper Sandler	Overweight	$43 → $46
Jun-12-26	Reiterated	Piper Sandler	Neutral	$30 → $43
Feb-04-25	Reiterated	Piper Sandler	Neutral	$32 → $30
Dec-20-24	Reiterated	Piper Sandler	Neutral	$32

Latest News

Jul-28-26

Jul-28-2611:09AM

Piper Sandler Reiterates Overweight on Arrow Financial, Raises Price Target to $46Benzinga

Jul-23-26

Jul-23-2608:33AM

Arrow Financial Q2 Adj. EPS $0.71 Beats $0.53 Estimate, Sales $44.187M Miss $45.509M EstimateBenzinga

Jul-20-26

Jul-20-2612:45PM

Why Arrow Financial (AROW) is a Top Dividend Stock for Your Portfoliozacks.com

Jul-02-26

Jul-02-2612:45PM

Arrow Financial (AROW) is a Top Dividend Stock Right Now: Should You Buy?zacks.com

Jul-01-26

Jul-01-2608:00AM

Arrow Financial Corporation Completes Strategic Acquisition of Adirondack Bancorp, Inc.prnewswire.com

Jun-25-26

Jun-25-2608:44AM

This Tonix Pharmaceuticals Analyst Begins Coverage On A Bullish Note; Here Are Top 5 Initiations For ThursdayBenzinga

05:25AM

Keefe, Bruyette & Woods Initiates Coverage On Arrow Financial with Market Perform Rating, Announces Price Target of $42Benzinga

Jun-12-26

Jun-12-2607:21AM

Piper Sandler Assumes Arrow Financial at Overweight, Announces Price Target of $43Benzinga

Company

Arrow Financial Corporation functions as a bank holding company, delivering a comprehensive suite of commercial and consumer banking services, alongside various financial products. Its core deposit offerings include conventional options like demand accounts, interest-bearing checking accounts, savings accounts, and diverse time deposits. The company's lending portfolio features commercial credit facilities such as term loans, time-based notes, and revolving lines of credit. It also extends financing for commercial real estate, encompassing property acquisitions, refinancing, expansions, and improvements, in addition to loans for commercial construction and land development. On the consumer side, Arrow Financial provides installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans. Residential real estate financing is another key component, offering mortgages, fixed home equity loans, and home equity lines of credit to support home improvements, debt consolidation, educational funding, and other personal requirements. Furthermore, the company operates an indirect lending program and actively sells its originated residential real estate loans into the secondary market. Beyond traditional banking, Arrow Financial offers comprehensive wealth management and trust services. This includes retirement planning, trust administration, and estate management for individuals, as well as pension, profit-sharing, and employee benefit plan administration for corporate clients. The corporation also operates an insurance agency, providing group health, life, and property and casualty policies. Additionally, it offers investment advisory services for its proprietary mutual funds and holds an interest in a real estate investment trust. The company's operational footprint spans the northeastern region of New York State, specifically serving Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, along with neighboring communities. Its physical infrastructure comprises 26 owned branch banking locations, 12 leased branch offices, and two dedicated residential loan origination centers. Established in 1851, Arrow Financial Corporation maintains its corporate headquarters in Glens Falls, New York.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023	FY 2022 12/31/2022	FY 2021 12/31/2021	FY 2020 12/31/2020	FY 2019 12/31/2019	FY 2018 12/31/2018
Total Revenue	211	243	223	192	161	148	145	138	125
Cost of Goods Sold Incl. D&A	76	84	88	61	16	5	22	24	15
Gross Profit	135	158	135	131	144	142	123	115	110
Selling, General and Administrative Excl. Other	80	85	57	51	49	47	46	42	43
Research and Development	0	0	0	0	0	0	0	0	0
Other Operating Expense	20	18	40	42	33	31	25	25	22
Operating Income	35	55	37	38	63	64	52	47	45
Interest Expense	74	77	83	58	11	5	13	22	12
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	104	77	83	58	11	5	13	22	12
Net Income Before Taxes	65	55	37	38	63	64	52	47	45
Income Taxes	14	11	8	7	14	15	11	10	9
Consolidated Net Income	51	44	30	30	49	50	41	37	36
Net Income From Continuing Operations	51	44	30	30	49	50	41	37	36
Net Income	51	44	30	30	49	50	41	37	36
EPS (Recurring)	3.12	2.66	1.78	1.77	2.87	2.93	2.42	2.23	2.24
EPS (Basic, Before Extraordinaries)	3.12	2.66	1.78	1.77	2.87	2.93	2.42	2.23	2.24
EPS (Diluted)	3.12	2.65	1.77	1.77	2.86	2.92	2.41	2.22	2.22
EBITDA	37	61	43	44	70	72	59	53	50
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	13.07	11.85	16.22	15.79	11.85	11.71	12.05	16.53	13.59
Price To Sales Ratio	3.09	2.20	2.19	2.47	3.58	3.93	3.40	4.52	3.86
Gross Margin	63.98	65.02	60.54	68.23	89.44	95.95	84.83	83.33	88.00
Operating Margin	16.59	22.63	16.59	19.79	39.13	43.24	35.86	34.06	36.00
Net Margin	24.17	18.11	13.45	15.63	30.43	33.78	28.28	26.81	28.80
Shares Outstanding	16	17	17	17	17	17	17	17	16
Market Capitalization	653	534	488	475	576	581	494	624	483
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
O'Conor Raymond F	Director	Jun 24 '26	Option Exercise	31.34	1,126	35,289	31,776	Jun 26
Behan Mark	Director	Jun 18 '26	Option Exercise	33.78	1,061	35,841	10,277	Jun 23
Behan Mark	Director	Jun 17 '26	Sale	38.59	4,110	158,605	8,929	Jun 22
Morris Philip C	Director	May 19 '26	Option Exercise	31.47	386	12,147	8,494	May 21
Morris Philip C	Director	May 11 '26	Option Exercise	27.04	546	14,764	8,108	May 13
O'Conor Raymond F	Director	Dec 19 '25	Option Exercise	27.04	2,186	59,110	30,776	Dec 31
DeMarco David S.	President & CEO	Dec 24 '25	Buy	31.78	3,035	96,452	3,035	Dec 30
KRUCZLNICKI DAVID G	Director	Dec 19 '25	Option Exercise	27.04	1,093	29,555	60,241	Dec 22
Wise Andrew J	SEVP, Chief Risk Officer	Dec 10 '25	Option Exercise	27.04	3,483	94,180	23,968	Dec 12
White Daniel James	Director	Nov 10 '25	Buy	30.14	1,644	49,550	6,890	Nov 12
Ivanov Penko Krassimir	SEVP, Treasurer and CFO	Nov 04 '25	Buy	29.82	1,620	48,308	26,394	Nov 05
Duffy Kristine D	Director	Aug 08 '25	Buy	26.53	210	5,571	1,000	Oct 16
Ivanov Penko Krassimir	SEVP, Treasurer and CFO	Sep 10 '25	Buy	29.10	5,000	145,499	24,744	Sep 12
Ivanov Penko Krassimir	SEVP, Treasurer and CFO	Aug 27 '25	Buy	29.46	10,922	321,729	19,715	Aug 28
Ivanov Penko Krassimir	SEVP, Treasurer and CFO	Aug 26 '25	Buy	29.46	1,078	31,758	8,787	Aug 28

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.