| Index | — | P/E | 14.82 | EPS (ttm) | 2.65 | Insider Own | 4.52% | Shs Outstand | 18.52M | Perf Week | 1.76% |
| Market Cap | 727.24M | Forward P/E | 9.11 | EPS next Y | 4.31 | Insider Trans | -0.49% | Shs Float | 16.22M | Perf Month | 3.89% |
| Enterprise Value | 892.24M | PEG | 1.19 | EPS next Q | 1.01 | Short Float | 3.91% | Perf Quarter | -3.75% | ||
| Income | 44.00M | P/S | 3.19 | EPS this Y | 31.13% | Short Ratio | 7.38 | Perf Half Y | 8.30% | ||
| Sales | 228.00M | P/B | 1.41 | EPS next Y | 21.83% | ROA | 0.80% | Short Interest | 633.62K | Perf YTD | 25.03% |
| Book/sh | 27.80 | P/C | 13.72 | EPS next 5Y | 12.49% | ROE | 9.63% | 52W High | 42.70 -9.71% | Perf Year | 44.76% |
| Cash/sh | 2.86 | P/FCF | 16.16 | EPS past 3/5Y | -2.51% 1.92% | ROIC | 7.33% | 52W Low | 27.06 42.48% | Perf 3Y | 89.66% |
| Dividend Est. | 1.20 (3.11%) | EV/EBITDA | 30.77 | Sales past 3/5Y | 14.71% 10.88% | Gross Margin | 66.14% | Volatility | 2.75% 2.20% | Perf 5Y | 12.49% |
| Dividend TTM | 1.19 (3.09%) | EV/Sales | 3.91 | EPS Y/Y TTM | 27.40% | Oper. Margin | 8.66% | ATR (14) | 0.91 | Perf 10Y | 39.62% |
| Dividend Ex-Date | Nov 10, 2026 | Quick Ratio | — | Sales Y/Y TTM | -2.56% | Profit Margin | 19.28% | RSI (14) | 63.05 | Recom | 2.00 |
| Dividend Gr. 3/5Y | 2.57% 2.46% | Current Ratio | — | EPS Q/Q | 25.97% | SMA20 | 4.74% | Beta | 0.73 | Target Price | 45.00 |
| Payout | 44.04% | Debt/Eq | 0.42 | Sales Q/Q | 27.42% | SMA50 | 3.69% | Rel Volume | 1.10 | Prev Close | 39.26 |
| Employees | 578 | LT Debt/Eq | 0.42 | Earnings | Feb 04 | SMA200 | 6.17% | Avg Volume | 83.43K | Price | 38.55 |
| IPO Date | Sep 18, 1980 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 3.62% 4.02% | Net Debt/EBITDA | 5.69 | Volume | 91,938 | Change | -1.80% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Sep-01-26 | Initiated | Raymond James | Outperform | $44 |
| 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 |
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.
Per-holder 13F data hasn't been ingested for this ticker yet.
| 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 | 228 | 243 | 223 | 192 | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 77 | 84 | 88 | 61 | — | — | — | — | — | |
| Gross Profit | 152 | 158 | 135 | 131 | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 94 | 85 | 57 | 51 | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | 0 | — | — | — | — | — | |
| Other Operating Expense | 33 | 18 | 40 | 42 | — | — | — | — | — | |
| Operating Income | 20 | 55 | 37 | 38 | — | — | — | — | — | |
| Interest Expense | 74 | 77 | 83 | 58 | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 109 | 77 | 83 | 58 | — | — | — | — | — | |
| Net Income Before Taxes | 55 | 55 | 37 | 38 | — | — | — | — | — | |
| Income Taxes | 11 | 11 | 8 | 7 | — | — | — | — | — | |
| Consolidated Net Income | 44 | 44 | 30 | 30 | — | — | — | — | — | |
| Net Income From Continuing Operations | 44 | 44 | 30 | 30 | — | — | — | — | — | |
| Net Income | 44 | 44 | 30 | 30 | — | — | — | — | — | |
| EPS (Recurring) | 2.65 | 2.66 | 1.78 | 1.77 | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 2.65 | 2.66 | 1.78 | 1.77 | — | — | — | — | — | |
| EPS (Diluted) | 2.65 | 2.65 | 1.77 | 1.77 | — | — | — | — | — | |
| EBITDA | 29 | 61 | 43 | 44 | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 14.55 | 11.85 | 16.22 | 15.79 | — | — | — | — | — | |
| Price To Sales Ratio | 3.04 | 2.20 | 2.19 | 2.47 | — | — | — | — | — | |
| Gross Margin | 66.67 | 65.02 | 60.54 | 68.23 | — | — | — | — | — | |
| Operating Margin | 8.77 | 22.63 | 16.59 | 19.79 | — | — | — | — | — | |
| Net Margin | 19.30 | 18.11 | 13.45 | 15.63 | — | — | — | — | — | |
| Shares Outstanding | 18 | 17 | 17 | 17 | — | — | — | — | — | |
| Market Capitalization | 694 | 534 | 488 | 475 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| DeMarco David S. | President & CEO | Sep 04 '26 | Option Exercise | 30.26 | 1,771 | 53,590 | 97,301 | Sep 09 |
| DeMarco David S. | President & CEO | Aug 28 '26 | Option Exercise | 30.26 | 4,379 | 132,509 | 99,238 | Sep 01 |
| Behan Mark | Director | Aug 17 '26 | Option Exercise | 27.04 | 1,093 | 29,555 | 11,611 | Aug 18 |
| DeMarco David S. | President & CEO | Aug 17 '26 | Option Exercise | 27.04 | 3,346 | 90,476 | 97,455 | Aug 18 |
| Behan Mark | Director | Aug 12 '26 | Option Exercise | 31.34 | 1,126 | 35,289 | 11,419 | Aug 13 |
| Behan Mark | Director | Aug 06 '26 | Option Exercise | 31.47 | 773 | 24,326 | 10,901 | Aug 10 |
| Behan Mark | Director | Aug 04 '26 | Option Exercise | 27.41 | 2,355 | 64,553 | 10,905 | Aug 06 |
| O'Conor Raymond F | Director | Aug 04 '26 | Option Exercise | 33.78 | 1,061 | 35,841 | 31,963 | Aug 06 |
| 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 |