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    Arrow Financial Corporation (AROW)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $38.47
    -0.14 (-0.36%)

    Market Cap: $715.64M

    Last updated: Nov 06, 2026 at 4:10 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    57%(23/40)
    Avg Surprise
    +1.87%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Dec 31, 2026
    EPS Consensus$1.00
    Range$0.99 - $1.00
    2 analysts
    Revenue Consensus
    $62M
    Range$62M - $63M
    2 analysts
    Period ending Mar 31, 2027
    EPS Consensus$1.03
    Range$1.02 - $1.05
    4 analysts
    EPS Revisions
    2
    0
    7d
    2
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$1.04-0.4%
    60d ago$1.04-0.4%
    30d ago$1.04-1.0%
    7d ago$1.04-1.0%
    Current$1.03
    Revenue Consensus
    $59M
    Range$59M - $59M
    4 analysts
    Last 12 of 40 reported quarters and 2 upcoming estimates
    PeriodReportedEst.RangeSurpriseB/MAnalystsRevisionsYoY
    Mar 27EST
    		-$1.03$1.02 - $1.05--4
    2
    1
    30d
    		-
    Dec 26EST
    		-$1.00$0.99 - $1.00--2--
    Sep 26
    Reported Oct 29
    		$0.97$0.94$0.92 - $0.94+3.19%Beat4
    0
    3
    30d
    		+19.8%
    Jun 26
    Reported Jul 23
    		$0.71$0.86$0.83 - $0.86-17.44%Miss3
    No revisions (30d)
    		+1.4%
    Mar 26
    Reported Apr 30
    		$0.82$0.79$0.79 - $0.79+3.80%Beat1
    1
    0
    30d
    		+115.8%
    Dec 25
    Reported Jan 29
    		$0.85$0.80$0.80 - $0.80+6.25%Beat1
    0
    1
    30d
    		+80.9%
    Sep 25
    Reported Oct 30
    		$0.81$0.72$0.72 - $0.72+12.50%Beat1
    0
    1
    30d
    		+52.8%
    Jun 25
    Reported Jul 24
    		$0.70$0.60$0.60 - $0.65+16.67%Beat2
    1
    0
    30d
    		+34.6%
    Mar 25
    Reported May 1
    		$0.38$0.43$0.41 - $0.44-11.63%Miss2
    0
    2
    30d
    		-15.6%
    Dec 24
    Reported Mar 14
    		$0.47$0.59$0.59 - $0.59-20.34%Miss1
    1
    0
    30d
    		+2.2%
    Sep 24
    Reported Oct 31
    		$0.53$0.53$0.53 - $0.53+0.00%Beat1
    No revisions (30d)
    		+15.2%
    Jun 24
    Reported Jul 25
    		$0.52$0.54$0.54 - $0.54-3.70%Miss0
    No revisions (30d)
    		+48.6%
    Mar 24
    Reported Apr 30
    		$0.45$0.47$0.46 - $0.47-4.26%Miss2
    No revisions (30d)
    		-31.8%
    Dec 23
    Reported Feb 5
    		$0.46$0.47$0.44 - $0.50-2.13%Miss2
    No revisions (30d)
    		-35.2%

    Dividends

    Next ex-dividend: Nov 10, 2026

    Dividend Metrics

    Forward Yield3.12%
    Forward Annual Dividend$1.20
    Payout Ratio38.12%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+1.82%
    5Y CAGR+1.85%
    AROW dividend history and ex-dividend datesRun AROW in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.48EV/EBITDA13.31x
    Price/FCF14.16xFCF Yield7.06%
    Profitability
    Profit Margin23.60%Operating Margin13.20%
    ROE9.47%ROIC6.60%
    Financial Health
    Debt/Equity0.74xInterest Coverage0.87x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.72Avg Volume72.28K
    52-Week High$42.3752-Week Low$28.22

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$38.66
    SMA 20$37.89
    SMA 50$37.91
    SMA 200$36.82
    EMA 10$38.55
    EMA 20$38.20
    EMA 50$38.07
    EMA 200$36.41

    MACD

    Line: 0.35Signal: 0.24Hist: 0.11

    ADX

    ADX: 13.8+DI: 19.5-DI: 19.1

    Aroon & PSAR

    Aroon Up96.0
    Aroon Down32.0
    PSAR$40.39

    Bollinger Bands

    Upper Band$39.84
    Lower Band$35.94
    %B Position1029%(Upper)
    Band Width0.65

    RSI (14-Day)

    Neutral
    53.0

    Momentum Oscillators

    Stoch %K61.9
    Stoch %D73.3
    Williams %R-52.0
    ROC (10d)0.3%
    Momentum0.10
    CCI (20d)61.7
    MFI (14d)50.8

    Volatility Measures

    ATR (14d)$1.01(2.6%)
    StdDev (20d)0.97
    Hist Vol22.5%(Moderate)

    Volume Flow

    VWAP$38.70
    OBV1.1M
    AD Line-20.4M
    CMF (20d)-0.083

    Volume Metrics

    Avg Vol (20d)72.6K
    Vol Ratio0.8x
    VWMA (20d)$37.98

    Pivot Points

    R3$41.78
    R2$41.08
    R1$39.85
    Pivot Point$39.15
    S1$37.92
    S2$37.22
    S3$35.99

    Advanced Oscillators

    TSI11.92
    Ultimate Osc44.0
    KST26.93

    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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    News

    Arrow Financial Corporation (AROW) Seasonal returns chart

    The article provides a seasonal returns chart for Arrow Financial Corporation (AROW), highlighting its average monthly price return from 2016-2026. It also notes AROW's current stock price, recent gain...

    Yahoo Finance UK•11/3/26•Somewhat-Bullish

    Arrow Financial Corporation (AROW) Seasonal Returns Chart - Yahoo Finance

    The article provides a seasonal returns chart for Arrow Financial Corporation (AROW), displaying average monthly price returns from 2016-2026. It notes the stock closed at $38.36 with a slight decrease and announced...

    Yahoo! Finance Canada•10/31/26•Neutral

    Profit falls as Arrow Financial (AROW) posts about $15.6M in merger costs.

    Arrow Financial Corporation reported a significant decline in Q3 2026 net income to $5.7 million, down from $12.825 million in Q3 2025...

    Stock Titan•10/29/26•Neutral

    About $15.6 million in merger costs topped Arrow Financial's profit. The deal added about $900 million in deposits.

    Arrow Financial (AROW) reported third-quarter net income of $5.7 million and diluted EPS of $0.31, down from the previous quarter...

    Stock Titan•10/29/26•Neutral

    Holdings total $1.10B across 280 entries at Arrow Financial (AROW).

    Arrow Financial Corp (AROW) has filed a Form 13F-HR report disclosing institutional investment holdings totaling approximately $1.10 billion across 280 entries. The report indicates that Arrow Bank National Association...

    Stock Titan•10/26/26•Neutral

    AROW Valuation and Fair Value

    P/E
    11.5x
    Forward P/E
    13.0x
    EV/EBITDA
    13.3x
    P/FCF
    14.2x
    PEG
    2.8x
    P/B
    1.4x
    See GNG's fair value

    AROW Profitability: Margins, ROIC and FCF

    Operating margin
    13.2%
    Net margin
    23.6%
    ROIC
    6.6%
    ROE
    9.5%
    FCF yield
    7.1%

    AROW Competitors

    CompanyTicker
    Root IncROOT
    California BanCorpBCAL
    Customers Bancorp, Inc 5.375% SCUBB
    Green Dot CorporationGDOT
    Amark PreciAMRK
    Community West BancsharesCWBC
    Bain Capital Specialty Finance IncBCSF
    World Acceptance CorporationWRLD

    Sector: Financial Services

    AROW Analyst Ratings

    Consensus
    Buy
    Analysts
    4
    Strong Buy
    2
    Buy
    0
    Hold
    2
    Sell
    0
    Strong Sell
    0

    AROW Bull Case vs Bear Case

    Bull case

    • AROW has a 23.6% net profit margin.
    • AROW grew quarterly revenue 39.6% year over year.

    AROW Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    -0.9%
    EPS estimate (fiscal period ending Dec 31, 2026)
    $1.00

    AROW Dividend

    Forward yield
    3.1%
    Payout ratio
    38.1%
    3Y DPS growth
    1.8%
    5Y DPS growth
    1.9%
    Pay months
    Feb, May, Aug, Nov
    AROW dividend history

    AROW Earnings Date

    AROW reports Jan 27, 2027. The date is estimated.

    AROW ETF Holders

    GNG tracks 7 ETFs that hold AROW. The largest weights:

    1. State Street SPDR S&P Regional Banking ETF (KRE), 0.12% of the fund
    2. Avantis U.S. Small Cap Value ETF (AVUV), 0.05% of the fund
    3. iShares Russell 2000 ETF (IWM), 0.02% of the fund
    4. Vanguard Russell 2000 Index Fund ETF Shares (VTWO), 0.02% of the fund
    5. Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX), <0.01% of the fund
    Open the ETF Stock Exposure tool for AROW

    See insider activity

    Frequently Asked Questions About AROW

    When is AROW's next ex-dividend date?

    AROW's next ex-dividend date is Nov 10, 2026, for a declared dividend of $0.3 per share (record date Nov 11, 2026, payable Nov 23, 2026).

    When does AROW report earnings?

    Arrow Financial Corporation (AROW) is expected to report earnings on Jan 27, 2027.

    What is AROW's current dividend yield?

    Arrow Financial Corporation (AROW) has a forward dividend yield of 3.12%.

    Does AROW pay dividends?

    Yes, Arrow Financial Corporation pays dividends with a forward dividend yield of 3.12%.

    What is AROW's P/E ratio?

    Arrow Financial Corporation has a price-to-earnings (P/E) ratio of 11.48.

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