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Arrow Financial Corporation (AROW)

Profile

Full Name

Arrow Financial Corporation

Ticker

NASDAQ: AROW

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

September 18, 1980

Indexes

Not included

Website

https://www.arrowfinancial.com

Employees

550

Key Details

Price

$27.77(-2.66%)

Market cap

$457.34M(Small cap)

Last Dividend

$0.29

TTM Dividend yield

4.07%

Annual revenue

$223.07M(+16.37% YoY)

Annual EPS

$1.77(0.00% YoY)

PE ratio

15.17

Next earnings date

Oct 30, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    See Full Chart & Historical Data

    Analyst ratings

    Price

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    Current Price

    $27.77
    AROW price is $27.77

    30-Day Relative Volume

    2.07
    AROW 30-day relative volume is 2.07

    Price Performance

    Price Most recent change

    -2.66%
    AROW price was down -2.66% on Aug 15, 2025

    Price YTD change

    -3.27%
    AROW price is down -3.27% since January 1st

    Price 1-year change

    -1.56%
    AROW price is down -1.56% year-on-year

    Price 3-year change

    -19.61%
    AROW price is down -19.61% over the past 3 years

    Price Range

    Price All-time high

    $37.19
    AROW price is currently -25.34% below its historical high of $37.19

    Price 3-year low

    $16.65
    AROW price is currently +66.79% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $457.34M
    AROW market capitalization is $457.34 million

    Market cap 3-year change

    -22.13%
    AROW market capitalization is down -22.13% over the past 3 years

    Market cap All-time high

    $625.50M
    AROW market capitalization is currently -26.88% below its historical high of $625.50 million

    Market cap sector rank

    52.58%
    AROW market capitalization is higher than 52.58% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -1.58%
    AROW shares outstanding is down -1.58% year-on-year

    Shares Outstanding 3-Year Change

    -3.14%
    AROW shares outstanding is down -3.14% over the past 3 years

    Technical Indicators

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    Beta

    0.83
    AROW beta is 0.83

    200-day SMA

    $27.45
    AROW price is currently +1.16% above its 200-day simple moving average

    50-day SMA

    $26.77
    AROW price is currently +3.73% above its 50-day simple moving average

    RSI

    54.78
    AROW 14-day relative strength index is 54.78

    Volume

    2.07
    AROW 30-day relative volume is 2.07

    ATR

    $0.76
    AROW average true range is $0.76

    10-day Historical Volatility

    34.40%
    AROW 10-day historical volatility is 34.40%

    Dividend

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    Events

    Last Paid Dividend

    $0.29
    AROW last dividend was $0.29 per share, with an ex-dividend date of August 11, 2025

    Next Dividend

    -
    AROW next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $1.36
    AROW annual dividend per share is $1.36

    Dividend per share Sector Rank

    68.59%
    AROW annual dividend per share is higher than 68.59% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +28.75%
    AROW annual dividend per share is up +28.75% year-on-year

    Dividend per share 3-Year Change

    +41.84%
    AROW annual dividend per share is up +41.84% over the past 3 years

    Dividend yield

    Dividend yield

    4.90%
    AROW annual dividend yield is 4.90%

    Dividend yield Sector Rank

    53.46%
    AROW annual dividend yield is higher than 53.46% of companies in Financial Services sector

    Other

    Payout ratio

    -61.55%
    AROW annual payout ratio is -61.55%

    Dividends paid

    -$18.29M
    AROW annual dividends paid is -$18.29 million

    Free cash flow

    $28.87M
    AROW annual free cash flow is $28.87 million

    Income Statement

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    Revenue

    Revenue

    $223.07M
    AROW annual revenue is $223.07 million

    Revenue Analysts estimate

    $162.00M
    AROW annual revenue is currently +37.70% higher than the consensus analysts' forecast

    Revenue 1-year change

    +16.37%
    AROW annual revenue is up +16.37% year-on-year

    Revenue Sector rank

    61.55%
    AROW annual revenue is higher than 61.55% of companies in Financial Services sector

    EPS

    EPS

    $1.77
    AROW annual earnings per share is $1.77

    EPS Analysts estimate

    $2.55
    AROW annual earnings per share is currently -30.59% lower than the consensus analysts' forecast

    EPS 1-year change

    0%
    AROW annual earnings per share has remained unchanged year-on-year

    EPS Sector rank

    64.26%
    AROW annual earnings per share is higher than 64.26% of companies in Financial Services sector

    Profit

    Gross profit

    $0.00
    AROW annual gross profit is $0.00

    Gross margin

    0.00%
    AROW annual gross profit margin is 0.00%

    Operating profit

    $37.36M
    AROW annual operating income is $37.36 million

    Operating margin

    16.75%
    AROW annual operating profit margin is 16.75%

    Net income

    $29.71M
    AROW annual net profit is $29.71 million

    Net margin

    13.32%
    AROW annual net profit margin is 13.32%

    Expenses

    Total expenses

    $193.36M
    AROW annual total expenses is $193.36 million

    Operating expenses

    -$37.36M
    AROW annual total operating expenses is -$37.36 million

    Cost of goods sold

    -
    AROW annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $0.00
    AROW annual SGA is $0.00

    Depreciation and amortization

    $5.36M
    AROW annual depreciation & amortization is $5.36 million

    Interest expense

    $83.26M
    AROW annual interest expense is $83.26 million

    Income tax

    $7.65M
    AROW annual income tax is $7.65 million

    EBIT & EBITDA

    EBIT

    $120.62M
    AROW annual earnings before interest & taxes is $120.62 million

    EBITDA

    $125.98M
    AROW annual EBITDA is $125.98 million

    Balance Sheet

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    Assets

    Total assets

    $4.31B
    AROW annual total assets is $4.31 billion

    Non current assets

    $4.15B
    AROW annual long term assets is $4.15 billion

    Current assets

    $167.78M
    AROW annual total current assets is $167.78 million

    Cash and cash equivalents

    $27.42M
    AROW annual cash & cash equivalents is $27.42 million

    Accounts receivable

    -
    AROW annual accounts receivable value is unknown

    Inventory

    -
    AROW annual inventory value is unknown

    Liabilities

    Total liabilities

    $3.91B
    AROW annual total liabilities is $3.91 billion

    Long term liabilities

    -
    AROW annual total long term liabilities value is unknown

    Current liabilities

    $2.28B
    AROW annual total current liabilities is $2.28 billion

    Accounts payable

    -
    AROW annual accounts payable value is unknown

    Debt

    Total debt

    $33.60M
    AROW annual total debt is $33.60 million

    Total debt 1-year change

    -34.83%
    AROW annual total debt is down -34.83% year-on-year

    Long term debt

    $33.60M
    AROW annual long term debt is $33.60 million

    Short term debt

    -
    AROW annual short term debt value is unknown

    Equity & Capital

    Shareholders equity

    $400.90M
    AROW annual stockholders equity is $400.90 million

    Book value

    $400.90M
    AROW annual book value is $400.90 million

    Retained earnings

    $77.22M
    AROW annual retained earnings is $77.22 million

    Working capital

    -$2.11B
    AROW annual working capital is -$2.11 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $34.47M
    AROW annual cash flow from operations is $34.47 million

    Cash from operations 1-year change

    +71.86%
    AROW annual cash flow from operations is up +71.86% year-on-year

    Cash from investing

    -$88.95M
    AROW annual cash flow from investing activities is -$88.95 million

    Cash from investing 1-year change

    -8.31%
    AROW annual cash flow from investing activities is down -8.31% year-on-year

    Cash from financing

    $66.49M
    AROW annual cash flow from financing activities is $66.49 million

    Cash from financing 1-year change

    -52.49%
    AROW annual cash flow from financing activities is down -52.49% year-on-year

    CAPEX

    CAPEX

    $5.60M
    AROW annual capital expenditures is $5.60 million

    CAPEX 1-year change

    -27.99%
    AROW annual capital expenditures is down -27.99% year-on-year

    Free Cash Flow

    Free cash flow

    $28.87M
    AROW annual free cash flow is $28.87 million

    Free cash flow 1-year change

    +135.04%
    AROW annual free cash flow is up +135.04% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    0.00%
    AROW annual gross profit margin is 0.00%

    Operating margin

    16.75%
    AROW annual operating profit margin is 16.75%

    Net margin

    13.32%
    AROW annual net profit margin is 13.32%

    ROA & ROE

    ROA

    0.70%
    AROW annual return on assets is 0.70%

    ROE

    7.61%
    AROW annual return on equity is 7.61%

    Valuation

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    PE Ratio

    PE ratio

    15.17
    AROW price to earnings ratio is 15.17

    PE ratio Sector rank

    55.61%
    AROW price to earnings ratio is higher than 55.61% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.12
    AROW price to book ratio is 1.12

    PB ratio Sector rank

    48.85%
    AROW price to book ratio is higher than 48.85% of companies in Financial Services sector

    PS Ratio

    PS ratio

    1.99
    AROW price to sales ratio is 1.99

    PS ratio Sector rank

    50.2%
    AROW price to sales ratio is higher than 50.2% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $222.47M
    AROW enterprise value is $222.47 million

    Enterprise value Sector rank

    33.4%
    AROW enterprise value is higher than 33.4% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    AROW EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    AROW EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    0.07
    AROW annual current ratio is 0.07

    Quick ratio

    -
    AROW annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.10
    AROW annual debt to equity ratio is 0.10

    Interest coverage ratio

    1.45
    AROW annual interest coverage ratio is 1.45

    Risk & Stability

    Piotroski F-Score

    5
    AROW piotroski f-score is 5

    Altman Z-Score

    -0.35
    AROW altman z-score is -0.35

    Analyst ratings

    Recent major analysts updates

    May 5, 25 Piper Sandler
    Neutral
    Feb 4, 25 Piper Sandler
    Neutral
    Jan 9, 24 Hovde Group
    Market Perform
    Sep 28, 20 Piper Sandler
    Neutral

    Institutional Ownership

    Screeners with AROW included

    US stocks
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    NASDAQ Dividend Calendar
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    Companies with growing dividends
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    NASDAQ Listed Companies
    Companies with buyback
    • What is the ticker symbol for Arrow Financial Corporation?
    • Does Arrow Financial Corporation pay dividends?
    • What sector is Arrow Financial Corporation in?
    • What industry is Arrow Financial Corporation in?
    • What country is Arrow Financial Corporation based in?
    • When did Arrow Financial Corporation go public?
    • Is Arrow Financial Corporation in the S&P 500?
    • Is Arrow Financial Corporation in the NASDAQ 100?
    • Is Arrow Financial Corporation in the Dow Jones?
    • When was Arrow Financial Corporation's last earnings report?
    • When does Arrow Financial Corporation report earnings?

    What is the ticker symbol for Arrow Financial Corporation?

    The ticker symbol for Arrow Financial Corporation is NASDAQ:AROW

    Does Arrow Financial Corporation pay dividends?

    Yes, Arrow Financial Corporation pays dividends. The last payment was $0.29, with an ex-dividend date on August 11, 2025

    What sector is Arrow Financial Corporation in?

    Arrow Financial Corporation is in the Financial Services sector

    What industry is Arrow Financial Corporation in?

    Arrow Financial Corporation is in the Regional Banks industry

    What country is Arrow Financial Corporation based in?

    Arrow Financial Corporation is headquartered in United States

    When did Arrow Financial Corporation go public?

    Arrow Financial Corporation's initial public offering (IPO) was on September 18, 1980

    Is Arrow Financial Corporation in the S&P 500?

    No, Arrow Financial Corporation is not included in the S&P 500 index

    Is Arrow Financial Corporation in the NASDAQ 100?

    No, Arrow Financial Corporation is not included in the NASDAQ 100 index

    Is Arrow Financial Corporation in the Dow Jones?

    No, Arrow Financial Corporation is not included in the Dow Jones index

    When was Arrow Financial Corporation's last earnings report?

    Arrow Financial Corporation's most recent earnings report was on April 30, 2025

    When does Arrow Financial Corporation report earnings?

    The next expected earnings date for Arrow Financial Corporation is October 30, 2025
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