Arrow Financial Corporation is a banks - regional business based in the US. Arrow Financial Corporation shares (AROW) are listed on the NASDAQ and all prices are listed in US Dollars. Arrow Financial Corporation employs 600 staff and has a trailing 12-month revenue of around $146.8 million.
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Is it a good time to buy Arrow Financial Corporation stock?
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Is Arrow Financial Corporation stock undervalued or overvalued?
Valuing Arrow Financial Corporation stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Arrow Financial Corporation's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Arrow Financial Corporation's P/E ratio
Arrow Financial Corporation's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 15x. In other words, Arrow Financial Corporation shares trade at around 15x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Arrow Financial Corporation's PEG ratio
Arrow Financial Corporation's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 2.41. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Arrow Financial Corporation's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
Arrow Financial Corporation financials
Revenue TTM
$146.8 million
Operating margin TTM
41%
Gross profit TTM
$146.8 million
Return on assets TTM
0.77%
Return on equity TTM
8.49%
Profit margin
23.44%
Book value
$25.41
Market Capitalization
$496.5 million
TTM: trailing 12 months
Arrow Financial Corporation share dividends
Dividend payout ratio: 48.31% of net profits
Recently Arrow Financial Corporation has paid out, on average, around 0% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Arrow Financial Corporation shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Arrow Financial Corporation's case, that would currently equate to about $1.13 per share.
While Arrow Financial Corporation's payout ratio might seem fairly standard, it's worth remembering that Arrow Financial Corporation may be investing much of the rest of its net profits in future growth.
Arrow Financial Corporation's most recent dividend payout was on 23 November 2025. The latest dividend was paid out to all shareholders who bought their shares by 11 November 2025 (the "ex-dividend date").
Have Arrow Financial Corporation's shares ever split?
Arrow Financial Corporation's shares were
split on a 103:100 basis on 15 September 2022
. So if you had owned 100 shares the day before before the split, the next day you'd have owned 103 shares. This wouldn't directly have changed the overall worth of your Arrow Financial Corporation shares – just the quantity. However, indirectly, the new 2.9% lower share price could have impacted the market appetite for Arrow Financial Corporation shares which in turn could have impacted Arrow Financial Corporation's share price.
Over the last 12 months, Arrow Financial Corporation's shares have ranged in value from as little as $22.0321 up to $31.9267. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Arrow Financial Corporation's is 0.808. This would suggest that Arrow Financial Corporation's shares are less volatile than average (for this exchange).
Arrow Financial Corporation overview
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.
Frequently asked questions
null What percentage of Arrow Financial Corporation is owned by insiders or institutions? Currently 2.698% of Arrow Financial Corporation shares are held by insiders and 52.45% by institutions.How many people work for Arrow Financial Corporation? Latest data suggests 600 work at Arrow Financial Corporation.When does the fiscal year end for Arrow Financial Corporation? Arrow Financial Corporation's fiscal year ends in December.Where is Arrow Financial Corporation based? Arrow Financial Corporation's address is: 250 Glen Street, Glens Falls, NY, United States, 12801What is Arrow Financial Corporation's ISIN number? Arrow Financial Corporation's international securities identification number is: US0427441029What is Arrow Financial Corporation's CUSIP number? Arrow Financial Corporation's Committee on Uniform Securities Identification Procedures number is: 042744102
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