Financhill
Buy
62

AROW Quote, Financials, Valuation and Earnings

Last price:
$32.71
Seasonality move :
0.81%
Day range:
$33.60 - $34.57
52-week range:
$22.72 - $34.57
Dividend yield:
3.37%
P/E ratio:
16.28x
P/S ratio:
2.39x
P/B ratio:
1.33x
Volume:
106.7K
Avg. volume:
73.6K
1-year change:
24.67%
Market cap:
$556.7M
Revenue:
$223.1M
EPS (TTM):
$2.08

Analysts' Opinion

  • Consensus Rating
    Arrow Financial Corp. has received a consensus rating of Hold. The company's average rating is a Hold based on 0 Buy ratings, 1 Hold rating, and 0 Sell ratings.
  • Price Target Downside
    According to analysts' consensus price target of $33.50, Arrow Financial Corp. has an estimated downside of -1.06% from its current price of $33.86.
  • Price Target Upside
    According to analysts, the highest upside price target is $33.50 representing -100% upside increase from its current price of $33.86.

Fair Value

  • According to the consensus of 1 analyst, Arrow Financial Corp. has -1.06% downside to fair value with a price target of $33.50 per share.

AROW vs. S&P 500

  • Over the past 5 trading days, Arrow Financial Corp. has overperformed the S&P 500 by 5.89% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Arrow Financial Corp. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Arrow Financial Corp. has grown year-over-year revenues for 15 quarters straight. In the most recent quarter Arrow Financial Corp. reported revenues of $62.3M.

Earnings Growth

  • Arrow Financial Corp. has grown year-over-year earnings for 2 quarters straight. In the most recent quarter Arrow Financial Corp. reported earnings per share of $0.78.
Enterprise value:
590.4M
EV / Invested capital:
--
Price / LTM sales:
2.39x
EV / EBIT:
4.82x
EV / Revenue:
2.51x
PEG ratio (5yr expected):
2.64x
EV / Free cash flow:
16.60x
Price / Operating cash flow:
15.80x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.78%
Net Income Margin (TTM):
14.65%
Return On Equity:
8.5%
Return On Invested Capital:
7.46%
Operating Margin:
26.64%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $182.9M $219.7M $234.8M $57.6M $62.3M
Gross Profit -- -- -- -- --
Operating Income $43.7M $41.5M $43.8M $11.5M $16.6M
EBITDA -- -- -- -- --
Diluted EPS $2.02 $1.96 $2.08 $0.54 $0.78
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $598.4M $382M $305.9M $352.6M $412.5M
Total Assets $4.1B $4.2B $4.3B $4.4B $4.6B
Current Liabilities $845.2M $911.3M $806.8M $748.7M $1.7B
Total Liabilities $3.7B $3.9B $3.9B $4B $4.2B
Total Equity $360.2M $345.6M $360M $393.3M $417.7M
Total Debt $76.5M $55.6M $203.8M $132.8M $33M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $48.1M $12.4M $41.1M $8.5M $15M
Cash From Investing -$130M -$548K -$128.3M $33.6M -$49.7M
Cash From Financing $3.3M $33.5M $144.5M $97.8M $163.6M
Free Cash Flow $37.6M $7.7M $35.6M $7.1M $14.3M
AROW
Sector
Market Cap
$556.7M
$548.9M
Price % of 52-Week High
97.95%
92.79%
Dividend Yield
3.37%
1.49%
Shareholder Yield
10.51%
3.06%
1-Year Price Total Return
24.67%
9.13%
Beta (5-Year)
0.820
0.451
Dividend yield:
3.37%
Annualized payout:
$1.09
Payout ratio:
37.1%
Growth streak:
7 years

Technicals

8-day SMA
Buy
Level $32.69
200-day SMA
Buy
Level $28.04
Bollinger Bands (100)
Buy
Level 27.87 - 31.81
Chaikin Money Flow
Buy
Level 3M
20-day SMA
Buy
Level $32.19
Relative Strength Index (RSI14)
Buy
Level 65.35
ADX Line
Buy
Level 20.11
Williams %R
Sell
Level -18.6352
50-day SMA
Buy
Level $31.40
MACD (12, 26)
Buy
Level 0.55
25-day Aroon Oscillator
Buy
Level 52
On Balance Volume
Neutral
Level 3.9M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.3452)
Sell
CA Score (Annual)
Level (-2.1897)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (4)
Sell
Ohlson Score
Level (4.2214)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (3)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

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.

Stock Forecast FAQ

In the current month, AROW has received 0 Buy ratings 1 Hold ratings, and 0 Sell ratings. The AROW average analyst price target in the past 3 months is $33.50.

  • Where Will Arrow Financial Corp. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Arrow Financial Corp. share price will drop to $33.50 per share over the next 12 months.

  • What Do Analysts Say About Arrow Financial Corp.?

    Analysts are divided on their view about Arrow Financial Corp. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Arrow Financial Corp. is a Sell and believe this share price will rise from its current level to $33.50.

  • What Is Arrow Financial Corp.'s Price Target?

    The price target for Arrow Financial Corp. over the next 1-year time period is forecast to be $33.50 according to 1 Wall Street analyst, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates the stock a Hold.

  • Is AROW A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Arrow Financial Corp. is a Hold. 1 of 1 analysts rates the stock a Hold at this time.

  • How Can I Buy Shares Of AROW?

    You can purchase shares of Arrow Financial Corp. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Arrow Financial Corp. shares.

  • What Is The Arrow Financial Corp. Share Price Today?

    Arrow Financial Corp. was last trading at $32.71 per share. This represents the most recent stock quote for Arrow Financial Corp.. Yesterday, Arrow Financial Corp. closed at $33.86 per share.

  • How To Buy Arrow Financial Corp. Stock Online?

    In order to purchase Arrow Financial Corp. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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