_id

690db0e1ccc777a4e85d0bb1

Ticker

AROW

Name

Arrow Financial Corporation

Exchange

NASDAQ

Address

250 Glen Street, Glens Falls, NY, United States, 12801

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://www.arrowfinancial.com

Description

Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the Unites States. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and enhancement to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses, as well as maintains an indirect lending program. In addition, it provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Further, the company offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.

Last Close

32.19

Volume

55752

Current Price

32.2

Change

0.03106554830694351

Last Updated

2025-11-28T12:23:12.367Z

Image

data:image/webp;base64,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

Ipo Date

1984-09-07T00:00:00.000Z

Market Cap

502140608

Next Dividend Date

-

Dividend Frequency

-

Dividend Rate

-

Dividend Yield

0

Sentiment

-

Sentiment Sources

0

Rating

3

Target Price

33.5

Strong Buy

0

Buy

0

Hold

2

Sell

0

Strong Sell

0

Current Quarter

2025-09-30

Revenue

62314000

Cost Of Revenue

20282000

Gross Profit

42032000

Operating Expenses

25433000

Operating Income

16599000

Interest Expense

19467000

Pretax Income

16599000

Net Income

12825000

Eps

0.7817261977325369

Dividends Per Share

4768000

Shares Outstanding

16442453

Income Tax Expense

3774000

EBITDA

18110000

Operating Margin

26.637673716981737

Total Other Income Expense Net

15977000

Cash

397437000

Short Term Investments

523907000

Receivables

-

Inventories

-

Total Current Assets

921344000

Property Plant Equipment

60002000

Total Assets

4587115000

Payables

-

Short Term Debt

-

Long Term Debt

24265000

Total Liabilities

4169428000

Equity

417687000

Depreciation

1511000

Change In Working Capital

-1805000

Cash From Operations

15023000

Capital Expenditures

739000

Cash From Investing

-49681000

Cash From Financing

163647000

Net Change In Cash

128989000

PE

14.801

PB

1.2647585392889893

ROE

3.0704810061122325

ROA

0.2795874967163457

FCF

14284000

Fcf Percent

0.2292261771030587

Piotroski FScore

4

Health Score

54

Deep Value Investing Score

7.5

Defensive Investing Score

3.5

Dividend Investing Score

3.5

Economic Moat Investing Score

7.8

Garp Investing Score

5.5

Growth Investing Score

4.5

Momentum Investing Score

4

Net Net Investing Score

5

Quality Investing Score

5.5

Value Investing Score

6

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

62314000

Quarters > 0 > income Statement > cost Of Revenue

20282000

Quarters > 0 > income Statement > gross Profit

42032000

Quarters > 0 > income Statement > operating Expenses

25433000

Quarters > 0 > income Statement > operating Income

16599000

Quarters > 0 > income Statement > interest Expense

19467000

Quarters > 0 > income Statement > pretax Income

16599000

Quarters > 0 > income Statement > net Income

12825000

Quarters > 0 > income Statement > eps

0.7817261977325369

Quarters > 0 > income Statement > dividends Per Share

4768000

Quarters > 0 > income Statement > shares Outstanding

16406000

Quarters > 0 > income Statement > income Tax Expense

3774000

Quarters > 0 > income Statement > EBITDA

18110000

Quarters > 0 > income Statement > operating Margin

26.637673716981737

Quarters > 0 > income Statement > total Other Income Expense Net

15977000

Quarters > 0 > balance Sheet > cash

397437000

Quarters > 0 > balance Sheet > short Term Investments

523907000

Quarters > 0 > balance Sheet > receivables

-

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

921344000

Quarters > 0 > balance Sheet > property Plant Equipment

60002000

Quarters > 0 > balance Sheet > total Assets

4587115000

Quarters > 0 > balance Sheet > payables

-

Quarters > 0 > balance Sheet > short Term Debt

-

Quarters > 0 > balance Sheet > long Term Debt

24265000

Quarters > 0 > balance Sheet > total Liabilities

4169428000

Quarters > 0 > balance Sheet > equity

417687000

Quarters > 0 > cash Flow > net Income

12825000

Quarters > 0 > cash Flow > depreciation

1511000

Quarters > 0 > cash Flow > change In Working Capital

-1805000

Quarters > 0 > cash Flow > cash From Operations

15023000

Quarters > 0 > cash Flow > capital Expenditures

739000

Quarters > 0 > cash Flow > cash From Investing

-49681000

Quarters > 0 > cash Flow > cash From Financing

163647000

Quarters > 0 > cash Flow > net Change In Cash

128989000

Quarters > 0 > ratios > PE

0.7817261977325369

Quarters > 0 > ratios > PB

1.2647585392889893

Quarters > 0 > ratios > ROE

3.0704810061122325

Quarters > 0 > ratios > ROA

0.2795874967163457

Quarters > 0 > ratios > FCF

14284000

Quarters > 0 > ratios > Piotroski FScore

4

Quarters > 0 > ratios > fcf Percent

0.2292261771030587

Quarters > 0 > health Score

54

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

59182000

Quarters > 1 > income Statement > cost Of Revenue

19634000

Quarters > 1 > income Statement > gross Profit

39548000

Quarters > 1 > income Statement > operating Expenses

25652000

Quarters > 1 > income Statement > operating Income

13896000

Quarters > 1 > income Statement > interest Expense

19040000

Quarters > 1 > income Statement > pretax Income

13896000

Quarters > 1 > income Statement > net Income

10805000

Quarters > 1 > income Statement > eps

0.6528306446740378

Quarters > 1 > income Statement > dividends Per Share

4662000

Quarters > 1 > income Statement > shares Outstanding

16551000

Quarters > 1 > income Statement > income Tax Expense

3091000

Quarters > 1 > income Statement > EBITDA

15309000

Quarters > 1 > income Statement > operating Margin

23.480112196275897

Quarters > 1 > income Statement > total Other Income Expense Net

13449000

Quarters > 1 > balance Sheet > cash

268448000

Quarters > 1 > balance Sheet > short Term Investments

447678000

Quarters > 1 > balance Sheet > receivables

-

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

716126000

Quarters > 1 > balance Sheet > property Plant Equipment

60701000

Quarters > 1 > balance Sheet > total Assets

4414719000

Quarters > 1 > balance Sheet > payables

-

Quarters > 1 > balance Sheet > short Term Debt

-

Quarters > 1 > balance Sheet > long Term Debt

28600000

Quarters > 1 > balance Sheet > total Liabilities

4006213000

Quarters > 1 > balance Sheet > equity

408506000

Quarters > 1 > cash Flow > net Income

10805000

Quarters > 1 > cash Flow > depreciation

1413000

Quarters > 1 > cash Flow > change In Working Capital

-1308000

Quarters > 1 > cash Flow > cash From Operations

10278000

Quarters > 1 > cash Flow > capital Expenditures

2002000

Quarters > 1 > cash Flow > cash From Investing

6564000

Quarters > 1 > cash Flow > cash From Financing

-49840000

Quarters > 1 > cash Flow > net Change In Cash

-32998000

Quarters > 1 > ratios > PE

0.6528306446740378

Quarters > 1 > ratios > PB

1.3046129065423764

Quarters > 1 > ratios > ROE

2.6450039901494713

Quarters > 1 > ratios > ROA

0.2447494393187879

Quarters > 1 > ratios > FCF

8276000

Quarters > 1 > ratios > Piotroski FScore

3

Quarters > 1 > ratios > fcf Percent

0.139839816160319

Quarters > 1 > health Score

47

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

58205000

Quarters > 2 > income Statement > cost Of Revenue

24028000

Quarters > 2 > income Statement > gross Profit

34177000

Quarters > 2 > income Statement > operating Expenses

26045000

Quarters > 2 > income Statement > operating Income

8132000

Quarters > 2 > income Statement > interest Expense

19009000

Quarters > 2 > income Statement > pretax Income

8132000

Quarters > 2 > income Statement > net Income

6310000

Quarters > 2 > income Statement > eps

0.3784561866490734

Quarters > 2 > income Statement > dividends Per Share

4698000

Quarters > 2 > income Statement > shares Outstanding

16673000

Quarters > 2 > income Statement > income Tax Expense

1822000

Quarters > 2 > income Statement > EBITDA

9338000

Quarters > 2 > income Statement > operating Margin

13.971308306846492

Quarters > 2 > income Statement > total Other Income Expense Net

7672000

Quarters > 2 > balance Sheet > cash

301446000

Quarters > 2 > balance Sheet > short Term Investments

445744000

Quarters > 2 > balance Sheet > receivables

-

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

747190000

Quarters > 2 > balance Sheet > property Plant Equipment

59919000

Quarters > 2 > balance Sheet > total Assets

4448885000

Quarters > 2 > balance Sheet > payables

-

Quarters > 2 > balance Sheet > short Term Debt

-

Quarters > 2 > balance Sheet > long Term Debt

28600000

Quarters > 2 > balance Sheet > total Liabilities

4044476000

Quarters > 2 > balance Sheet > equity

404409000

Quarters > 2 > cash Flow > net Income

6310000

Quarters > 2 > cash Flow > depreciation

1206000

Quarters > 2 > cash Flow > change In Working Capital

138000

Quarters > 2 > cash Flow > cash From Operations

10070000

Quarters > 2 > cash Flow > capital Expenditures

1274000

Quarters > 2 > cash Flow > cash From Investing

5083000

Quarters > 2 > cash Flow > cash From Financing

131747000

Quarters > 2 > cash Flow > net Change In Cash

146900000

Quarters > 2 > ratios > PE

0.3784561866490734

Quarters > 2 > ratios > PB

1.32754365011659

Quarters > 2 > ratios > ROE

1.5603015758798642

Quarters > 2 > ratios > ROA

0.14183329081331614

Quarters > 2 > ratios > FCF

8796000

Quarters > 2 > ratios > Piotroski FScore

4

Quarters > 2 > ratios > fcf Percent

0.15112103771153682

Quarters > 2 > health Score

48

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

55128000

Quarters > 3 > income Statement > cost Of Revenue

24068000

Quarters > 3 > income Statement > gross Profit

31060000

Quarters > 3 > income Statement > operating Expenses

25838000

Quarters > 3 > income Statement > operating Income

5222000

Quarters > 3 > income Statement > interest Expense

21214000

Quarters > 3 > income Statement > pretax Income

5222000

Quarters > 3 > income Statement > net Income

4470000

Quarters > 3 > income Statement > eps

0.2670410418782484

Quarters > 3 > income Statement > dividends Per Share

4684000

Quarters > 3 > income Statement > shares Outstanding

16739000

Quarters > 3 > income Statement > income Tax Expense

752000

Quarters > 3 > income Statement > EBITDA

6575000

Quarters > 3 > income Statement > operating Margin

9.472500362792049

Quarters > 3 > income Statement > total Other Income Expense Net

-22567000

Quarters > 3 > balance Sheet > cash

154546000

Quarters > 3 > balance Sheet > short Term Investments

463111000

Quarters > 3 > balance Sheet > receivables

-

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

617657000

Quarters > 3 > balance Sheet > property Plant Equipment

59717000

Quarters > 3 > balance Sheet > total Assets

4306348000

Quarters > 3 > balance Sheet > payables

-

Quarters > 3 > balance Sheet > short Term Debt

-

Quarters > 3 > balance Sheet > long Term Debt

28600000

Quarters > 3 > balance Sheet > total Liabilities

3905447000

Quarters > 3 > balance Sheet > equity

400901000

Quarters > 3 > cash Flow > net Income

4470000

Quarters > 3 > cash Flow > depreciation

1353000

Quarters > 3 > cash Flow > change In Working Capital

-5323000

Quarters > 3 > cash Flow > cash From Operations

5625000

Quarters > 3 > cash Flow > capital Expenditures

1513000

Quarters > 3 > cash Flow > cash From Investing

-90123000

Quarters > 3 > cash Flow > cash From Financing

-101044000

Quarters > 3 > cash Flow > net Change In Cash

-185542000

Quarters > 3 > ratios > PE

0.2670410418782484

Quarters > 3 > ratios > PB

1.344461101369166

Quarters > 3 > ratios > ROE

1.1149884884298118

Quarters > 3 > ratios > ROA

0.10380025023523412

Quarters > 3 > ratios > FCF

4112000

Quarters > 3 > ratios > Piotroski FScore

4

Quarters > 3 > ratios > fcf Percent

0.0745900449862139

Quarters > 3 > health Score

40

Valuation > metrics > PE

14.801

Valuation > metrics > PB

1.2647585392889893

Valuation > final Score

100

Valuation > verdict

Fair

Profitability > metrics > ROE

3.0704810061122325

Profitability > metrics > ROA

1.3919882258960823

Profitability > metrics > Net Margin

0.20581249799403023

Profitability > final Score

40

Profitability > verdict

Weak

Risk > metrics > Debt Equity

9.98218283068422

Risk > metrics > Interest Coverage

0.8526737555863769

Risk > final Score

9

Risk > verdict

High

Liquidity > final Score

50

Liquidity > verdict

Weak

Prev Valuations > 0

100

Prev Valuations > 1

100

Prev Valuations > 2

100

Prev Profitabilities > 0

37

Prev Profitabilities > 1

22

Prev Profitabilities > 2

17

Prev Risks > 0

9

Prev Risks > 1

8

Prev Risks > 2

7

Prev Liquidities > 0

50

Prev Liquidities > 1

50

Prev Liquidities > 2

50

Updated At

2025-12-14T00:14:22.463Z