A

    Arrow Financial Corporation (AROW)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $37.74
    -0.42 (-1.10%)

    Market Cap: $699.09M

    Last updated: Sep 01, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    57%(23/40)
    Avg Surprise
    +1.85%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.93
    Range$0.92 - $0.94
    3 analysts
    EPS RevisionsNo revisions (7d)
    0
    3
    30d
    EPS Estimate Drift
    90d ago$0.95+1.8%
    60d ago$0.96+2.9%
    30d ago$0.97+4.3%
    7d ago$0.97+4.3%
    Current$0.93
    Revenue Consensus
    $58M
    Range$56M - $59M
    3 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.94
    Range$0.88 - $0.98
    3 analysts
    Revenue Consensus
    $59M
    Range$58M - $61M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.94---
    Sep 26EST
    		-$0.93---
    Jun 26
    Reported Jul 23
    		$0.71$0.86-17.44%Miss+1.4%
    Mar 26
    Reported Apr 30
    		$0.82$0.79+3.80%Beat+115.8%
    Dec 25
    Reported Jan 29
    		$0.85$0.80+6.25%Beat+80.9%
    Sep 25
    Reported Oct 30
    		$0.81$0.72+12.50%Beat+52.8%
    Jun 25
    Reported Jul 24
    		$0.70$0.60+16.67%Beat+34.6%
    Mar 25
    Reported May 1
    		$0.38$0.43-11.63%Miss-15.6%
    Dec 24
    Reported Mar 14
    		$0.47$0.59-20.34%Miss+2.2%
    Sep 24
    Reported Oct 31
    		$0.53$0.53+0.00%Beat+15.2%
    Jun 24
    Reported Jul 25
    		$0.52$0.54-3.70%Miss+48.6%
    Mar 24
    Reported Apr 30
    		$0.45$0.47-4.26%Miss-31.8%
    Dec 23
    Reported Feb 5
    		$0.46$0.47-2.13%Miss-35.2%
    Sep 23
    Reported Oct 24
    		$0.46$0.33+39.39%Beat-36.1%
    Jun 23
    Reported Aug 8
    		$0.35$0.44-20.45%Miss-50.7%
    Mar 23
    Reported Jun 27
    		$0.66$0.66+0.00%Beat-10.8%
    Dec 22
    Reported Jan 30
    		$0.71$0.78-8.97%Miss+20.3%
    Sep 22
    Reported Oct 27
    		$0.72$0.66+9.09%Beat-5.3%
    Jun 22
    Reported Jul 27
    		$0.71$0.67+5.97%Beat-9.0%
    Mar 22
    Reported Apr 26
    		$0.74$0.67+10.45%Beat-5.1%
    Dec 21
    Reported Mar 11
    		$0.59$0.69-14.49%Miss-20.3%
    Sep 21
    Reported Oct 26
    		$0.76$0.75+1.33%Beat+16.9%
    Jun 21
    Reported Jul 27
    		$0.78$0.74+5.41%Beat+44.4%
    Mar 21
    Reported Apr 27
    		$0.78$0.63+23.81%Beat+62.5%
    Dec 20
    Reported Mar 10
    		$0.74$0.66+12.12%Beat+27.6%
    Sep 20
    Reported Oct 21
    		$0.65$0.51+27.45%Beat+16.1%
    Jun 20
    Reported Jul 21
    		$0.54$0.48+12.50%Beat+1.9%
    Mar 20
    Reported Apr 24
    		$0.48$0.52-7.69%Miss-7.7%
    Dec 19
    Reported Jan 28
    		$0.58$0.59-1.69%Miss+11.5%
    Sep 19
    Reported Oct 22
    		$0.56$0.55+1.82%Beat+1.8%
    Jun 19
    Reported Jul 22
    		$0.53$0.53+0.00%Beat-8.6%
    Mar 19
    Reported Apr 23
    		$0.52$0.50+4.00%Beat+2.0%
    Dec 18
    Reported Mar 8
    		$0.52$0.54-3.70%Miss+18.2%
    Sep 18
    Reported Oct 22
    		$0.55$0.56-1.79%Miss+17.0%
    Jun 18
    Reported Jul 23
    		$0.58$0.54+7.41%Beat+26.1%
    Mar 18
    Reported Apr 23
    		$0.51$0.48+6.25%Beat+21.4%
    Dec 17
    Reported Mar 12
    		$0.44$0.50-12.00%Miss+4.8%
    Sep 17
    Reported Oct 23
    		$0.47$0.48-2.08%Miss+9.3%
    Jun 17
    Reported Jul 20
    		$0.46$0.43+6.98%Beat-
    Mar 17
    Reported Apr 20
    		$0.42$0.44-4.55%Miss-
    Dec 16
    Reported Mar 14
    		$0.42$0.44-4.55%Miss-
    Sep 16
    Reported Oct 20
    		$0.43$0.42+2.38%Beat-

    Dividends

    Dividend Metrics

    Yield3.15%
    Annual/Share$1.19
    Payout Ratio38.12%
    Frequency4
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+1.82%
    5Y CAGR+1.85%
    View AROW's full dividend history

    Key Metrics

    Valuation
    P/E Ratio11.83EV/EBITDAN/A
    Price/FCF13.89xFCF Yield7.20%
    Profitability
    Profit Margin30.10%Operating Margin34.70%
    ROE12.00%ROIC6.60%
    Financial Health
    Debt/Equity0.74xInterest Coverage0.87x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.74Avg Volume93.06K
    52-Week High$42.3752-Week Low$25.01

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$38.27
    SMA 20$38.80
    SMA 50$39.71
    SMA 200$35.19
    EMA 10$38.30
    EMA 20$38.69
    EMA 50$38.85
    EMA 200$35.52

    MACD

    Line: -0.45Signal: -0.37Hist: -0.08

    ADX

    ADX: 26.6+DI: 13.7-DI: 28.8

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down72.0
    PSAR$39.99

    Bollinger Bands

    Upper Band$40.24
    Lower Band$37.37
    %B Position740%(Upper)
    Band Width0.13

    RSI (14-Day)

    Neutral
    36.2

    Momentum Oscillators

    Stoch %K39.6
    Stoch %D39.8
    Williams %R-72.0
    ROC (10d)-2.9%
    Momentum-1.12
    CCI (20d)-111.4
    MFI (14d)53.3

    Volatility Measures

    ATR (14d)$0.88(2.3%)
    StdDev (20d)0.72
    Hist Vol13.8%(Low)

    Volume Flow

    VWAP$37.84
    OBV1.4M
    AD Line-23.0M
    CMF (20d)-0.316

    Volume Metrics

    Avg Vol (20d)94.9K
    Vol Ratio0.6x
    VWMA (20d)$38.76

    Pivot Points

    R3$39.31
    R2$38.94
    R1$38.55
    Pivot Point$38.18
    S1$37.79
    S2$37.42
    S3$37.03

    Advanced Oscillators

    TSI-18.48
    Ultimate Osc46.3
    KST-43.59

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$44.19M$44.76M$43.41M$42.85M$40.14M$39.20M$33.91M$36.57M$35.01M$34.31M$33.10M$33.40M
    Cost of RevenueN/A$18.21M$20.31M$20.28M$19.63M$24.03M$24.07M$21.94M$21.59M$20.84M$19.24M$17.12M
    Gross ProfitN/A$44.21M$42.56M$42.03M$39.55M$34.18M$31.06M$35.64M$34.23M$33.70M$32.57M$33.05M
    Operating Expenses$27.46M$26.86M$25.80M$25.43M$25.65M$26.05M$25.84M$24.10M$23.32M$24.01M$23.19M$23.48M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$17.34M$16.76M$16.60M$13.90M$8.13M$5.22M$11.54M$10.91M$9.68M$9.38M$9.57M
    Interest Income$53.62M$53.79M$54.61M$53.60M$51.57M$50.37M$50.90M$49.44M$47.97M$46.68M$44.32M$42.12M
    Interest Expense$17.69M$17.66M$19.47M$19.47M$19.04M$19.01M$21.21M$21.00M$20.82M$20.22M$18.71M$16.76M
    Income Before Tax$13.90M$17.34M$16.76M$16.60M$13.90M$8.13M$5.22M$11.54M$10.91M$9.68M$9.38M$9.57M
    Income Tax Expense$2.93M$3.86M$2.75M$3.77M$3.09M$1.82M$752,000$2.56M$2.31M$2.02M$1.66M$1.83M
    Net Income$10.96M$13.48M$14.01M$12.82M$10.80M$6.31M$4.47M$8.97M$8.60M$7.66M$7.72M$7.74M
    EBITDA$15.23M$18.59M$18.05M$18.11M$15.31M$9.34M$6.58M$12.90M$12.16M$11.08M$11.14M$11.10M
    EBIT$13.90M$17.34M$16.76M$16.60M$13.90M$8.13M$5.22M$11.54M$10.91M$9.68M$9.38M$9.57M
    * Some calculated fields are derived from available data when not provided by source

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    Arrow Financial (Nasdaq:AROW) - Stock Analysis

    Arrow Financial Corporation (AROW) is a bank holding company showing strong future growth potential and a reliable dividend. Despite significant insider selling and past earnings decline, the company recently completed the acquisition of Adirondack Bancorp, Inc., which is expected to be accretive to EPS. Recent quarterly results indicate mixed performance with EPS exceeding expectations but revenue often lagging.

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    TradingView•8/14/26•
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    Arrow Financial Corporation (NASDAQ:AROW) Receives Consensus Rating of "Hold" from Brokerages

    Arrow Financial Corporation (NASDAQ:AROW) has received a consensus "Hold" rating from brokerages, with an average 12-month price target of $40.83. This comes despite the company missing quarterly EPS estimates but exceeding revenue expectations. Insider activity includes a director selling shares, while the company also declared a quarterly dividend.

    MarketBeat•8/14/26•
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    ARROW FINANCIAL CORP's iShares iBonds 2027 Term High Yield and Income ETF(IBHG) Holding History

    ARROW FINANCIAL CORP holds 1.49 million shares of iShares iBonds 2027 Term High Yield and Income ETF (IBHG), valued at $32.94 million as of June 30, 2026. This investment represents 2.95% of their stock portfolio and 6.56% of IBHG's outstanding stock. Since their initial trade in Q2 2026, ARROW FINANCIAL CORP has purchased all shares at an average price of $22.09, resulting in an estimated loss of $208,835.48 (-0.63%) based on the current IBHG price of $21.95.

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    Frequently Asked Questions About AROW

    What is AROW's current dividend yield?
    Arrow Financial Corporation (AROW) has a current dividend yield of 3.15%.
    Does AROW pay dividends?
    Yes, Arrow Financial Corporation pays dividends with a current yield of 3.15%.
    What is AROW's P/E ratio?
    Arrow Financial Corporation has a price-to-earnings (P/E) ratio of 11.83.
    What is AROW's market cap?
    Arrow Financial Corporation (AROW) has a market capitalization of $699.09M with a current stock price of $37.74.

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