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Home CompaniesArrow Financial Corporation

Arrow Financial Corporation

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
38.62 USD -0.06 ( 0.16%)
Last update at 2026-11-11T21:00:00Z
VOLUME
66404
Market Cap
598.22M
P/E
13.99

Momentum Score

…

Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United 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. The company was founded in 1851 and is headquartered in Glens Falls, New York.

Source: TradingView
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Day Price Range
38.33
Low
38.87
High
52 Week Price Range
22.46
Low
38.09
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Arrow Financial Corporation is a community-focused bank holding company offering commercial and consumer lending, deposit services, mortgage origination and wealth management primarily in upstate New York. Long-term growth drivers include management of net interest margins, modest loan and deposit growth, cross-selling of fee-based wealth and mortgage services, and selective investment in branches and digital capabilities; the company appears positioned to benefit from a diversified revenue mix and local franchise strength.
Major investment risks include sensitivity to interest-rate and margin pressure, potential credit deterioration in commercial real estate and small-business portfolios, competitive pressure from larger banks and fintech, and regulatory or compliance challenges that could affect earnings or capital.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
38.68
Dividend Yield
3.07%
Revenue TTM
158.32M
Revenue Per Share
9.59
Gross Profit TTM
158.32M
Debt / Equity
0.07
ROE
10.56%
Net Debt
0.06M
ROCE
1.49%
Diluted EPS TTM
2.59

Stock Analysis

View All

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 55.39M 37.36M 37.52M 62.91M 64.40M
Net income 43.95M 29.71M 30.07M 48.80M 49.86M
Selling general administrative 84.84M 55.48M 49.72M 48.18M 45.84M
Selling and marketing expenses - 1.25M 1.17M - 1.08M
Gross profit 158.32M 134.63M 130.57M 149.24M 142.72M
Reconciled depreciation 5.42M 5.36M 6.67M 7.55M 7.83M
Ebit - 37.36M 37.52M - 64.40M
Ebitda 55.39M 42.72M 44.24M 74.22M 72.23M
Depreciation and amortization - 5.36M 6.72M - 7.83M
Operating income 55.39M 37.36M 37.52M 74.22M 64.40M
Other operating expenses 187.19M 185.71M 154.16M 9.84M -78.32M
Interest expense 76.98M 83.26M 57.73M 11.31M 5.20M
Tax provision 11.44M 7.65M 9.24M 14.11M 14.55M
Interest income 210.15M 194.99M 154.14M 129.65M 115.55M
Net interest income 133.16M 111.73M 109.80M 118.34M 110.36M
Income tax expense 11.44M 7.65M 7.45M 14.11M 14.55M
Total revenue 242.58M 223.07M 191.68M 149.24M 142.72M
Total operating expenses 102.93M 97.27M 93.05M - -78.32M
Cost of revenue 84.26M 88.44M 61.11M - -
Total other income expense net - 34.58M 35.08M -11.31M 62.63M
Net income from continuing ops 43.95M 29.71M 34.44M 48.80M 49.86M
Net income applicable to common shares - - - 48.80M 49.86M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 4445.86M 4306.35M 3969.51M 3969.51M 4027.95M
Intangible assets 1.74M 2.06M 1.50M 1.50M 1.92M
Other current assets - - 64.66M - 2177.92M
Total liab 4014.01M 3905.45M 3615.97M 3615.97M 70.17M
Total stockholder equity 431.85M 400.90M 353.54M 353.54M 371.19M
Other current liab 722.37M 3827.93M -27.00M -27.00M 3550.50M
Common stock 22.07M 22.07M 21.42M 21.42M 20.80M
Capital stock 22.07M 22.07M 22.07M 21.42M 20.80M
Retained earnings 102.27M 77.22M 65.40M 65.40M 54.08M
Other liab - - - 24.36M 36.10M
Good will 23.79M 23.79M 21.87M 21.87M 21.87M
Other assets 4331.77M 4193.36M 2494.39M 2494.39M 2183.30M
Cash 29.13M 154.55M 64.66M 64.66M 457.70M
Total current liabilities 722.37M 3827.93M 27.00M 27.00M 4.77M
Net debt 0.06M -120.94M 15.26M 15.26M -387.53M
Short term debt - - 27.00M 27.00M 4.77M
Short long term debt - - 20.00M 27.00M 0.00M
Short long term debt total 29.19M 33.60M 79.92M 79.92M 70.17M
Other stockholder equity 311.55M 320.07M 316.37M 316.37M 295.96M
Property plant equipment - - - 62.12M 46.22M
Total current assets 29.13M 617.66M 638.15M 638.15M 1017.01M
Long term investments 572.81M 570.78M 636.14M 757.10M 757.63M
Net tangible assets - - - 330.95M 347.39M
Short term investments 542.19M 463.11M 573.50M 573.50M 559.32M
Long term debt 24.27M 28.60M 26.50M 47.80M 65.00M
Inventory - - - 0.59M 0.13M
Accounts payable - - - 3498.36M 3550.50M
Accumulated other comprehensive income -4.04M -18.45M -49.66M -49.66M 0.35M
Common stock total equity - - - - 20.80M
Retained earnings total equity - - - - 54.08M
Treasury stock - - - - -82.03M
Non currrent assets other -4176.63M 134.51M -836.96M -836.96M -827.64M
Non current assets total 84.96M 3688.69M 836.96M 836.96M 827.64M
Capital lease obligations 4.93M 5.00M 5.07M 5.12M 5.17M
Long term debt total - - - - 20.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 15.68M -88.95M -130.39M -60.06M -268.98M
Change to liabilities - - - 0.00M 4.04M
Total cashflows from investing activities -61.45M -88.95M - -393.06M -274.60M
Net borrowings -4.41M -17.96M - 9.75M -17.49M
Total cash from financing activities 79.81M 66.49M -59.69M -59.69M 283.10M
Change to operating activities - - - -0.57M -1.03M
Net income 43.95M 29.71M 48.80M 48.80M 49.86M
Change in cash 59.64M 12.01M -393.04M -393.04M 76.70M
Begin period cash flow 154.55M 142.54M 457.70M 457.70M 380.99M
End period cash flow 214.18M 154.55M 64.66M 64.66M 457.70M
Total cash from operating activities 41.28M 34.47M 59.71M 59.71M 68.21M
Issuance of capital stock 0.00M 0.00M 0.96M 1.90M 1.84M
Depreciation 5.42M 5.36M 7.55M 7.55M 7.83M
Other cashflows from investing activities -48.97M -183.49M - -0.68M 1.52M
Dividends paid 18.90M 18.29M 17.44M 17.44M 16.30M
Sale purchase of stock -10.24M -6.79M -2.87M -2.87M -2.66M
Other cashflows from financing activities 112.77M 109.53M -24.02M -52.13M 317.76M
Change to netincome - - - 3.94M 11.29M
Capital expenditures 5.09M 5.60M 14.25M 14.25M 7.14M
Cash flows other operating - - - - -4.80M
Cash and cash equivalents changes - - - - 76.70M
Change in working capital -1.78M -7.42M -0.57M -0.57M -1.03M
Stock based compensation 0.68M 0.81M 0.86M 0.86M 0.79M
Other non cash items -7.19M 6.80M 4.33M -0.16M 9.82M
Free cash flow 36.19M 28.87M 45.46M 45.46M 61.07M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
AROW
Arrow Financial Corporation		 -0.06
0.16%		 38.62 13.99 13.00 3.78 1.39 3.79
DBSDY
DBS Group Holdings Ltd ADR		 1.63
0.74%		 220.68 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.32
0.93%		 34.21 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.01
0.01%		 93.32 11.53 10.27 5.72 1.83 8.22

Profile*

Arrow Financial Corporation

Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United 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. The company was founded in 1851 and is headquartered in Glens Falls, New York.

250 Glen Street, Glens Falls, NY, United States, 12801

518 745 1000

https://www.arrowfinancial.com

578

Name Title Year Born
Mr. Thomas J. Murphy CPA Pres, CEO, Interim Treasurer, Interim CFO & Director 1959
Mr. Andrew J. Wise Sr. Exec. VP & COO 1968
Mr. David S. DeMarco Sr. EVP & Chief Banking Officer 1962
Mr. David S. DeMarco CEO, President & Director 1962
Mr. David D. Kaiser Senior Executive VP & Chief Credit Officer 1961
Mr. Andrew J. Wise Senior Executive VP, Chief Risk Officer & Company Secretary 1967
Mr. Penko Krassimir Ivanov CPA, M.B.A. Senior EVP, CFO, Chief Accounting Officer & Treasurer 1969
Mr. Michael Jacobs Executive VP & Chief Information Officer 1971
Ms. Brooke Pancoe Senior EVP & Chief Human Resources Officer 1986
Annette Reitano Senior VP and Director of Marketing & Communications of Glen Falls NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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