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Arrow Financial(NASDAQ) AROW

Current Price$39.39
Market Cap$652.07MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1985)+1,523%
5 Year+46%
1 Year+51%
1 Month-2%
Arrow Financial last closing stock price
MetricPriceDate
Last closeUSD 39.452026-07-24
Arrow Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-5.08%USD 41.562026-07-17
1 month-2.25%USD 40.362026-06-24
3 month+10.31%USD 35.762026-04-24
Year to date+27.76%USD 30.882025-12-31
1 year+51.31%USD 26.072025-07-24
3 year+130%USD 17.152023-07-25
5 year+46.44%USD 26.942021-07-23
Since inception+1,523.26%USD 2.431985-02-06

Arrow Financial Financials at a Glance

Market Cap

$652.07MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$211.85M

Net Income (TTM)

$51.29M

EPS (TTM)

$3.11

P/E Ratio

12.66

Dividend

$1.18

Beta (Volatility)

0.69 (Low)

Price

$39.39

Volume

6,815

Open

$39.04

Previous Close

$39.39

Daily Range

$38.63 - $39.62

52-Week Range

$25.84 - $42.70

Estimated Earnings Date

Oct 29, 2026

AROW News

GettyImages-1205459956

Why Arrow Financial Stock Is Shooting Higher This Week

Keith NoonanOct 27, 2023
Green radar screen with multiple blips

3 Top Stocks That Aren't on Wall Street's Radar

Rich SmithJan 29, 2020

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Rich DupreySep 4, 2012

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About Arrow Financial

Arrow helps people in New York manage their money. It makes bank accounts, mortgages, and insurance for local families. The company also helps small businesses get the loans they need.

How Arrow Serves Its Region

  • Consumer Banking: Offers bank accounts, credit cards, and home loans to individuals.
  • Commercial Lending: Provides loans and credit lines to small and mid-sized businesses.
  • Indirect Lending: Sells car loans through a large network of local car dealers.
  • Wealth Management: Manages retirement plans and money for families and companies.
  • Insurance Services: Sells property, health, and life insurance through its own agency.

New Deals and Bigger Footprints

  • Combined its former subsidiary banks into Arrow Bank on December 31, 2024.
  • Announced a merger with Adirondack Bancorp, Inc. on February 25, 2026.
  • Planned acquisition of Adirondack Bank adds 19 branches in central New York.
  • Invested in Arrow University to support employee learning and professional development.

The Regional Advantage

Arrow operates a regional network of 38 bank branches and nine insurance offices in New York. Its specialized lending program uses a network of car dealers to reach customers across two states.

A Look at the Numbers

  • Revenue reached $62.4 million in Q1 2026, up 7.2% from $58.2 million in Q1 2025.
  • Net income reached $13.5 million in Q1 2026, up 113.7% from $6.3 million in Q1 2025.
  • Market value hit $549.9 million in Q1 2026, up 25.5% from $438.1 million the prior year.

The Big Picture

Arrow has evolved from managing separate banks to a single, unified regional brand. Its focus on local communities and its pending merger support its growth across New York.

AI Generated • May 5, 2026

Industry

Banks

Sector

Financials

Employees

578

CEO

David S. DeMarco

Website

www.arrowfinancial.com

Headquarters

Glens Falls, NY 12801, US

AROW Financials

Key Financial Metrics (TTM)

Gross Margin

63.64%

Operating Margin

16.19%

Net Income Margin

24.21%

Return on Equity

11.82%

Return on Capital

12.01%

Return on Assets

1.14%

Earnings Yield

7.90%

Dividend Yield

2.99%

Payout Ratio

37.34%

Stock Overview

Market Cap

$652.07MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

16.53M

Volume

6.82K

Avg. Volume

89.16K

Financials (TTM)

Gross Profit

$134.83M

Operating Income

$34.30M

EBITDA

$37.10M

Operating Cash Flow

$46.45M

Capital Expenditure

-$5.12M

Free Cash Flow

$41.34M

Cash & ST Invst.

$30.88M

Total Debt

$315.08M

Arrow Financial Performance Analysis

Arrow Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 160,549,0008.5%
20232023-12-31USD 191,681,00019.4%
20242024-12-31USD 223,067,00016.4%
20252025-12-31USD 242,579,0008.7%
Arrow Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.3%
Q42025-12-310.9%
Q12026-03-31-0.7%
Q22026-06-30-61.2%
Arrow Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.86-2.2%
20232023-12-31USD 1.77-38.3%
20242024-12-31USD 1.770.5%
20252025-12-31USD 2.6549.6%
Arrow Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3020.0%
Q42025-12-319.0%
Q12026-03-31-3.5%
Q22026-06-30-18.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$24.24M

-59.0%

Gross Profit

$6.03M

-84.8%

Gross Margin

24.86%

N/A

Market Cap

$652.07MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.13M

N/A

Employees

578

N/A

Net Income

$10.96M

+1.5%

EBITDA

-$17.65M

-215.3%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$30.88M

-95.7%

Total Debt

$315.08M

+838.6%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$335.08M

+898.2%

Short Term Debt

$310.19M

N/A

Return on Assets

1.14%

N/A

Return on Invested Capital

6.63%

N/A

Free Cash Flow

$13.94M

+58.5%

Operating Cash Flow

$15.24M

+51.4%

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Questions About AROW

What is the current price of Arrow Financial?

Arrow Financial is trading at $39.39 per share.

What is the 52-week range for Arrow Financial?

Over the past 52 weeks, Arrow Financial has traded between $25.84 and $42.70.

How much debt does Arrow Financial have?

As of the most recent reporting period, Arrow Financial reported total debt of $335.08M.

How much cash does Arrow Financial have on hand?

Arrow Financial does not have cash on hand data available.

What is Arrow Financial’s dividend yield?

Arrow Financial currently has a dividend yield of 2.99%.

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