AROW

Arrow Financial Corp

37.49

Oct 20 • 3:59 PM ET 0.00 (0.00%)

Financial Banks - Regional USA Small NASD

Peers: TRST PBFS CHMG NBTB TMP GCBC FISI OBT CBU PBHC

| Held by: VTI IWM AVUV DFAT VXF IWN DFAS KRE VTWO DFMC

Index	RUT
Market Cap	694.45M
Enterprise Value	-
Income	51.08M
Sales	249.49M
Book/sh	26.98
Cash/sh	-
Dividend Est.	1.20 (3.20%)
Dividend TTM	1.19 (3.17%)
Dividend Ex-Date	Aug 11, 2026
Dividend Gr. 3/5Y	3.44% 4.16%
Payout	42.95%
Employees	578
IPO	Sep 18, 1980

P/E	12.05
Forward P/E	8.70
PEG	0.46
P/S	2.78
P/B	1.39
P/C	-
P/FCF	15.55
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.11
Debt/Eq	0.75
LT Debt/Eq	0.08
Option/Short	Yes / Yes

EPS (ttm)	3.11
EPS next Y	4.31
EPS next Q	0.94
EPS this Y	32.49%
EPS next Y	22.71%
EPS next 5Y	18.86%
EPS past 3/5Y	-2.46% 1.92%
Sales past 3/5Y	14.75% 10.91%
EPS Y/Y TTM	69.62%
Sales Y/Y TTM	8.43%
EPS Q/Q	1.32%
Sales Q/Q	4.55%
Earnings	Jul 23 BMO
EPS/Sales Surpr.	-16.47% -2.91%

Insider Own	2.96%
Insider Trans	-0.74%
Inst Own	53.34%
Inst Trans	4.15%
ROA	1.15%
ROE	11.95%
ROIC	10.61%
Gross Margin	-
Oper. Margin	25.89%
Profit Margin	20.47%
SMA20	1.19%
SMA50	-1.20%
SMA200	2.15%
Trades

Shs Outstand	18.52M
Shs Float	17.98M
Short Float	3.69%
Short Ratio	7.78
Short Interest	0.66M
52W High	42.70 -12.20%
52W Low	26.17 43.26%
Volatility	1.94% 1.90%
ATR (14)	0.78
RSI (14)	51.63
Beta	0.74
Rel Volume	0.00
Avg Volume	85.27K
Volume	0

Perf Week	2.49%
Perf Month	-0.42%
Perf Quarter	-7.95%
Perf Half Y	3.48%
Perf YTD	19.39%
Perf Year	39.78%
Perf 3Y	108.05%
Perf 5Y	10.91%
Perf 10Y	44.77%
Recom	2.25
Target Price	43.50
Prev Close	37.49
Price	37.49
Change %	0.00%

Date	Action	Analyst	Rating Change	Price Target Change
Sep-02-26	Initiated	Raymond James	Outperform	$44
Jun-12-26	Resumed	Piper Sandler	Overweight	$43
Feb-02-26	Reiterated	Hovde Group	Market Perform	$33.50 → $34.50
Jan-12-26	Downgrade	Hovde Group	Outperform → Market Perform
Oct-31-25	Upgrade	Hovde Group	Market Perform → Outperform	$28.50 → $33.50
Jul-25-25	Reiterated	Hovde Group	Market Perform	$27.50 → $28.50
Dec-27-24	Reiterated	Hovde Group	Market Perform	$34.50 → $32
Dec-20-24	Resumed	Piper Sandler	Neutral	$32
Sep-09-24	Resumed	Hovde Group	Market Perform	$28 → $31
Jan-09-24	Initiated	Hovde Group	Market Perform

Sep-10-26 08:00AM	Arrow Announces Acquisition of Insurance Agency in Washington County, N.Y. (PR Newswire)
Jul-23-26 08:00AM	Arrow Reports 2nd Quarter Net Income of $11.0 Million, or $0.66 per Share, and Declares 3rd Quarter Dividend of $0.30 per Share (PR Newswire)
07:38AM	Arrow Financial: Q2 Earnings Snapshot (Associated Press)
Jul-01-26 08:00AM	Arrow Financial Corporation Completes Strategic Acquisition of Adirondack Bancorp, Inc. (PR Newswire)
Jun-01-26 05:28PM	Arrow Financial Corporation and Adirondack Bancorp, Inc. Receive OCC Approval for Merger (PR Newswire)
08:10AM	Loading…
Apr-30-26 08:10AM	Arrow Financial: Q1 Earnings Snapshot (Associated Press)
08:00AM	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 (PR Newswire)
Apr-17-26 02:40PM	Advanced Micro Devices Leads Two Finance Stocks To Highs (Investor's Business Daily)
Feb-26-26 08:30AM	Arrow Financial Corporation Announces Strategic Acquisition of Adirondack Bancorp, Inc. (PR Newswire)
Jan-29-26 08:11AM	Arrow Financial: Q4 Earnings Snapshot (Associated Press Finance)
08:00AM	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 (PR Newswire)
Dec-04-25 04:00PM	Arrow Financial Corporation Appoints Darrin Jahnel to Board of Directors (PR Newswire)
Nov-05-25 04:30PM	Arrow Announces Preliminary Approval of Settlement (PR Newswire)
Oct-30-25 08:12AM	Arrow Financial: Q3 Earnings Snapshot (Associated Press Finance)
08:00AM	Arrow Reports 3rd Quarter Net Income of $12.8 Million, or $0.77 per Share, and Declares 4th Quarter Dividend of $0.29 per Share (PR Newswire)
07:02AM	Loading…
Jul-25-25 07:02AM	Arrow Financial: Q2 Earnings Snapshot (Associated Press Finance)
Jul-24-25 10:56AM	Arrow Financial Q2 Net Income Increases (RTT News)
08:00AM	Arrow Reports 2nd Quarter Net Income of $10.8 Million, or $0.65 per Share, and Declares 3rd Quarter Dividend of $0.29 per Share (PR Newswire)
May-01-25 08:50AM	Arrow Financial (AROW) Q1 Earnings and Revenues Miss Estimates (Zacks)
08:00AM	Arrow Reports 1st Quarter Net Income of $6.3 Million, or $0.38 per Share, and Declares 2nd Quarter Dividend of $0.28 per Share (PR Newswire)
07:50AM	Arrow Financial: Q1 Earnings Snapshot (Associated Press Finance)
Apr-28-25 06:35PM	Capital Bancorp (CBNK) Tops Q1 Earnings and Revenue Estimates (Zacks)
Apr-25-25 03:00PM	Meridian Bank (MRBK) Misses Q1 Earnings and Revenue Estimates (Zacks)
Apr-22-25 10:00AM	Analysts Estimate Arrow Financial (AROW) to Report a Decline in Earnings: What to Look Out for (Zacks)
Apr-21-25 09:25AM	MainStreet Bank (MNSB) Tops Q1 Earnings and Revenue Estimates (Zacks)
Apr-10-25 09:48AM	S&T Bancorp (STBA) Surges 5.5%: Is This an Indication of Further Gains? (Zacks) -5.36%
08:44AM	Arrow Financial (AROW): Strong Industry, Solid Earnings Estimate Revisions (Zacks)
Apr-07-25 11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
09:55AM	Arrow Financial (AROW) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now (Zacks)
Feb-17-25 11:45AM	Why Arrow Financial (AROW) is a Great Dividend Stock Right Now (Zacks)
08:23AM	Loading…
Jan-30-25 08:23AM	Arrow Financial: Q4 Earnings Snapshot (Associated Press Finance)
08:00AM	Arrow Reports 4th Quarter Net Income of $4.5 Million or $0.27 per Share and $29.7 Million or $1.77 per Share for 2024. Declares first quarter dividend of $0.28 per share. (PR Newswire)
Jan-03-25 04:00PM	Year-end heavy lifting gives New York bank a new look (American Banker)
Jan-02-25 06:30AM	Arrow Financial Unifies Banking Subsidiaries and Rebrands as Arrow Bank (PR Newswire)
Dec-19-24 08:30AM	Arrow Financial Corporation Appoints Four New Board Members (PR Newswire)
Nov-26-24 04:30PM	Arrow's Banks Join Allpoint ATM Network, Expanding Access to More Than 50,000 ATMs Worldwide (PR Newswire)
Oct-31-24 08:16AM	Arrow Financial: Q3 Earnings Snapshot (Associated Press Finance)
08:00AM	Arrow Reports 3rd Quarter Net Income of $9.0 Million, or $0.53 per Share (PR Newswire)
Oct-10-24 08:30AM	Arrow Named to Piper Sandler Sm-All Stars: Class of 2024 (PR Newswire)
Oct-03-24 08:00AM	Arrow Declares October 2024 Cash Dividend (PR Newswire)
Aug-06-24 08:00AM	Arrow Completes Acquisition of Whitehall, N.Y. Branch (PR Newswire)
Jul-25-24 08:16AM	Arrow Financial: Q2 Earnings Snapshot (Associated Press Finance)
08:00AM	Arrow Reports 2nd Quarter Net Income of $8.6 Million, or $0.52 per Share, Declares Dividend of $0.27 per Share (PR Newswire)
Jul-23-24 08:30AM	Arrow to Unify Bank Subsidiaries into One Entity Renamed Arrow Bank (PR Newswire)
Jul-02-24 08:48AM	Implied Volatility Surging for Arrow Financial (AROW) Stock Options (Zacks)
Jun-06-24 01:00PM	Tene R. Casaccio Named Chair of the Arrow Board of Directors (PR Newswire)
Apr-30-24 02:14PM	Arrow Financial Q1 Earnings Decline; Quarterly Dividend Maintained (MT Newswires)
01:53PM	AROW Stock Earnings: Arrow Financial Misses EPS, Beats Revenue for Q1 2024 (InvestorPlace)
08:08AM	Arrow Financial: Q1 Earnings Snapshot (Associated Press Finance)
08:00AM	Arrow Reports 1st Quarter Net Income of $7.7 Million, or $0.45 per Share, Declares Dividend of $0.27 per Share (PR Newswire)
Mar-04-24 05:15PM	Arrow Announces Acquisition of Whitehall, N.Y. Branch (PR Newswire)
Feb-02-24 11:45AM	Why Arrow Financial (AROW) is a Top Dividend Stock for Your Portfolio (Zacks)
Feb-01-24 08:55AM	Arrow Financial (AROW) Q4 Earnings and Revenues Lag Estimates (Zacks)
08:02AM	Arrow Financial: Q4 Earnings Snapshot (Associated Press Finance)
07:45AM	Arrow Reports 4th Quarter Net Income of $7.7 Million or $0.46 per Share and $30.1 Million or $1.77 per Share for 2023. Declares Cash Dividend of $0.27 per Share, its 43rd Consecutive Quarterly Dividend (PR Newswire)
Dec-20-23 07:58AM	Here's Why Arrow Financial (AROW) Stock is a Must Buy Now (Zacks)
Oct-30-23 11:12PM	Insider Buying: Director Colin Read Acquires 15,000 Shares of Arrow Financial Corp (GuruFocus.com)
Oct-27-23 12:20PM	Why Arrow Financial (AROW) Might be Well Poised for a Surge (Zacks)
09:19AM	Why Arrow Financial Stock Is Shooting Higher This Week (Motley Fool)
Oct-26-23 05:12PM	Arrow Declares December 2023 Cash Dividend; Announces Resumption of Dividend Reinvestment Plan and Expansion of Its Stock Repurchase Program (PR Newswire)
Oct-24-23 09:05AM	Arrow Financial (AROW) Q3 Earnings and Revenues Top Estimates (Zacks)
08:45AM	Arrow Financial Q3 Profit Declines (RTT News)
07:51AM	Arrow Financial: Q3 Earnings Snapshot (Associated Press Finance)
07:45AM	Arrow Reports Q3 2023 Net Income of $7.7 Million and Earnings per Share of $0.46, Loans of $3.1 Billion on 9% Annualized Loan Growth (PR Newswire)
Aug-31-23 09:59AM	Arrow Financial Corporation Declares Stock Dividend (PR Newswire)
Aug-12-23 09:00AM	Arrow Financial (NASDAQ:AROW) shareholders have endured a 33% loss from investing in the stock five years ago (Simply Wall St.)
08:02AM	Arrow Financial (NASDAQ:AROW) Has Announced A Dividend Of $0.27 (Simply Wall St.)
Aug-08-23 08:21AM	Arrow Financial: Q2 Earnings Snapshot (Associated Press Finance)
07:45AM	Arrow Reports $6.0 million in Q2 2023 Net Income, Loans Reach Record High of $3.1 Billion (PR Newswire)
Aug-07-23 05:37PM	15 Worst Performing Bank Stocks in 2023 (Insider Monkey)
Jul-31-23 07:50AM	Board Appoints David S. DeMarco as Director; Approves 2023 Annual Meeting Date (PR Newswire)
Jul-28-23 07:45AM	Arrow Declares September 2023 Cash Dividend (PR Newswire)
Jul-24-23 05:15PM	TrustCo Bank (TRST) Q2 Earnings Surpass Estimates (Zacks) -5.21%
07:58AM	Arrow Financial: Q1 Earnings Snapshot (AP Finance)
07:45AM	Arrow Reports $8.6 million in Q1 2023 Net Income and Grew Deposits by $48.0 Million (PR Newswire)
Jul-18-23 08:39AM	Arrow Files 2022 Form 10-K (PR Newswire)
Jun-05-23 06:36AM	Strength Seen in Orrstown (ORRF): Can Its 5.7% Jump Turn into More Strength? (Zacks)
May-16-23 05:33PM	UPDATE 2-Ex-bank executive steps down from NY Fed board (Reuters) -6.35% +9.52%
12:24PM	Ex-bank executive steps down from NY Fed board (Reuters)
May-15-23 08:31AM	Thomas J. Murphy Terminates Employment as Arrow Financial Corporation President and CEO and as a Director of Arrow Financial Corporation; David S. DeMarco Appointed President and CEO (PR Newswire)
08:30AM	Arrow Financial Corporation Announces Receipt of NASDAQ Noncompliance Notice (PR Newswire)
May-07-23 08:10AM	Arrow Financial (NASDAQ:AROW) Will Pay A Dividend Of $0.27 (Simply Wall St.)
May-03-23 06:04PM	Arrow Declares June 2023 Cash Dividend (PR Newswire)
Apr-28-23 04:17PM	3 High-Yield Bank Stocks to Buy (InvestorPlace)
Apr-23-23 10:30AM	Bearish Bets: 3 Stocks You Really Should Think About Shorting This Week (TheStreet.com)
Apr-19-23 10:02AM	Northeast Community Bancorp (NECB) to Report Q1 Results: Wall Street Expects Earnings Growth (Zacks)
Apr-18-23 10:01AM	Analysts Estimate Arrow Financial (AROW) to Report a Decline in Earnings: What to Look Out for (Zacks)
Apr-17-23 02:10PM	Arrow Financial Corporation (NASDAQ:AROW) most popular amongst retail investors who own 51% of the shares, institutions hold 45% (Simply Wall St.)
Apr-05-23 06:11PM	Arrow Financial Corporation Announces Receipt of NASDAQ Noncompliance Notice (PR Newswire)
Mar-28-23 03:19PM	5 High-Yield Stocks for March 2023 (InvestorPlace)
Feb-25-23 07:22AM	Arrow Financial (NASDAQ:AROW) Could Be A Buy For Its Upcoming Dividend (Simply Wall St.)
Feb-07-23 02:40PM	Arrow Financial (NASDAQ:AROW) Has Affirmed Its Dividend Of $0.27 (Simply Wall St.)
Feb-06-23 12:23PM	Arrow Financial names new CFO (American City Business Journals)
09:50AM	Arrow Financial Corporation Names Ivanov CFO (PR Newswire)
Feb-02-23 09:31AM	Arrow Declares March 2023 Cash Dividend (PR Newswire)
Jan-31-23 11:45AM	Arrow Financial (AROW) is a Top Dividend Stock Right Now: Should You Buy? (Zacks)
Jan-30-23 09:15AM	Arrow Financial (AROW) Misses Q4 Earnings and Revenue Estimates (Zacks)
07:55AM	Arrow Reports $48.8 million in Net Income, Record Loan Growth of $315 million in 2022 (PR Newswire)
Dec-22-22 09:40AM	Are Finance Stocks Lagging Arrow Financial (AROW) This Year? (Zacks)
Dec-21-22 06:47AM	Arrow Financial (NASDAQ:AROW) shareholders have earned a 5.6% CAGR over the last five years (Simply Wall St.)

Show Previous News

Insider Trading	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 12:22 PM
DeMarco David S.	President & CEO	Aug 28 '26	Option Exercise	30.26	4,379	132,509	99,238	Sep 01 05:22 PM
Behan Mark	Director	Aug 17 '26	Option Exercise	27.04	1,093	29,555	11,611	Aug 18 04:47 PM
DeMarco David S.	President & CEO	Aug 17 '26	Option Exercise	27.04	3,346	90,476	97,455	Aug 18 03:37 PM
Behan Mark	Director	Aug 12 '26	Option Exercise	31.34	1,126	35,289	11,419	Aug 13 04:38 PM
Behan Mark	Director	Aug 06 '26	Option Exercise	31.47	773	24,326	10,901	Aug 10 10:46 AM
O'Conor Raymond F	Director	Aug 04 '26	Option Exercise	33.78	1,061	35,841	31,963	Aug 06 05:27 PM
Behan Mark	Director	Aug 04 '26	Option Exercise	27.41	2,355	64,553	10,905	Aug 06 05:26 PM
O'Conor Raymond F	Director	Jun 24 '26	Option Exercise	31.34	1,126	35,289	31,776	Jun 26 04:51 PM
Behan Mark	Director	Jun 18 '26	Option Exercise	33.78	1,061	35,841	10,277	Jun 23 04:02 PM
Behan Mark	Director	Jun 17 '26	Sale	38.59	4,110	158,605	8,929	Jun 22 05:03 PM
Morris Philip C	Director	May 19 '26	Option Exercise	31.47	386	12,147	8,494	May 21 03:55 PM
Morris Philip C	Director	May 11 '26	Option Exercise	27.04	546	14,764	8,108	May 13 05:03 PM
DeMarco David S.	President & CEO	Dec 24 '25	Buy	31.78	3,035	96,452	3,035	Dec 30 12:08 PM
O'Conor Raymond F	Director	Dec 19 '25	Option Exercise	27.04	1,093	29,555	30,776	Dec 23 11:09 AM
KRUCZLNICKI DAVID G	Director	Dec 19 '25	Option Exercise	27.04	1,093	29,555	60,241	Dec 22 05:42 PM
Wise Andrew J	SEVP, Chief Risk Officer	Dec 10 '25	Option Exercise	27.04	3,483	94,180	23,968	Dec 12 04:15 PM
White Daniel James	Director	Nov 10 '25	Buy	30.14	1,644	49,550	6,890	Nov 12 01:05 PM
Ivanov Penko Krassimir	SEVP, Treasurer and CFO	Nov 04 '25	Buy	29.82	1,620	48,308	26,394	Nov 05 01:43 PM

Arrow Financial Corp. is a bank holding company, which engages in the provision of banking and insurance services through its subsidiaries, Glens Falls National and Saratoga National. It offers deposit accounts, lending activities, insurance products, and loans. The company was founded on March 21, 1983 and is headquartered in Glens Falls, NY.

CEOMr. David S. DeMarco

Senior EVP & Chief Human Resources OfficerMs. Brooke M. Pancoe

Senior EVP & Chief Banking OfficerMr. Marc j. Yrsha

Senior EVPMr. Andrew J. Wise

Senior VP and Director of Marketing & Communications of Glen FallsAnnette Reitano

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AROW

Arrow Financial Corp

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