AROW
NASDAQ
US
Arrow Financial Corporation - Common Stock
$34.13
▲ +$0.13
(+0.38%)
Vol 73K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$516.3M
P/E
15.0
ROE
8.4%
Margin
24.8%
D/E
5.97
Beta
0.82
Div Yield
3.69%
52W
$23–$34
Wall Street Consensus
6 analysts · Apr 20260
Strong Buy
0
Buy
3
Hold
1
Sell
2
Strong Sell
0.0%
Buy Rating
Price Chart
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Earnings
Beat rate: 75.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.83 | $0.85 | +$0.02 |
| Sep 2025 | $0.73 | $0.77 | +$0.04 |
| Jun 2025 | $0.57 | $0.65 | +$0.08 |
| Mar 2025 | $0.43 | $0.38 | $-0.05 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $33.9M | $39.2M | $40.1M | $42.8M | $43.4M |
| Net Income | — | $4.5M | $6.3M | $10.8M | $12.8M | $14.0M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 7.6% | 7.6% | 7.6% | 7.6% | 8.4% | 8.4% |
| P/E (TTM) | 14.42 | 15.07 | 15.05 | 15.03 | 14.54 | 15.00 |
| Net Margin | — | 24.8% | 24.8% | 24.8% | 24.8% | 24.8% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 6.11 | 6.11 | 6.11 | 6.11 | 5.97 | 5.97 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.8%
P/S (TTM)
3.03
P/B
1.2
EPS (TTM)
$2.08
CF/Share
$2.41
Rev Growth 3Y
+5.7%
52W High
$33.56
52W Low
$22.72
$22.72
52-Week Range
$33.56
Financial Health
Free Cash Flow
$4.8M
Net Debt
-$185.0M
Cash
$214.2M
Total Debt
$29.2M
As of Dec 31, 2025
How does AROW compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
AROW valuation vs Banking peers
P/E ratio
15.0
▲
19%
above
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
3.0
▲
30%
above
peers
(2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
1.2
▲
14%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
3.7%
▲
24%
above
peers
(3.0%)
vs Peers
vs Industry
Below avg
AROW profitability vs Banking peers
ROE
8.4%
▼
6%
below
peers
(9.0%)
vs Peers
vs Industry
In line
Net margin
24.9%
▼
13%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.8%
▼
18%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
AROW financial health vs Banking peers
D/E ratio
6.0
▼
57%
below
peers
(13.8)
vs Peers
vs Industry
Low debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.8
▲
19%
above
peers
(0.7)
vs Peers
vs Industry
More volatile
AROW fundamentals radar
AROW
Peer median
Industry
AROW profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
AROW vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
KRUCZLNICKI DAVID G
Director · Jan 28
818 shs
READ COLIN L
Director · Jan 28
818 shs
DEMARCO DAVID S
Chief Executive Officer · Jan 28
34982 shs
O CONOR RAYMOND F
Director · Jan 28
818 shs
IVANOV PENKO KRASSIMIR
Chief Financial Officer · Jan 28
4558 shs
CASACCIO TENEE R
Director · Jan 28
818 shs
MILLER ELIZABETH A
Director · Jan 28
818 shs
BEHAN MARK L
Director · Jan 28
818 shs
WISE ANDREW J
Officer · Jan 28
4058 shs
CHAMPION GREGORY J
Director · Jan 28
818 shs
Last 90 days
Top Holders
Top 5: 33.42%Arrow Financial Corp
11.34%
$61.8M
Blackrock Inc.
7.58%
$41.3M
Vanguard Group Inc
5.31%
$29.0M
Rhino Investment Partners, …
4.78%
$26.1M
Dimensional Fund Advisors LP
4.41%
$24.1M
As of Dec 31, 2025
Dividends
$1.16
/ year
Feb 11, 2026
$0.3000
Nov 12, 2025
$0.2900
Aug 11, 2025
$0.2900
May 13, 2025
$0.2800
Feb 10, 2025
$0.2800
Oct 15, 2024
$0.2800
Aug 12, 2024
$0.2700
May 10, 2024
$0.2700
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