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Arrow Financial Corp

AROW

29.257USD

-0.543-1.82%

Market hours （ET）Quotes delayed by 15 min

482.26MMarket Cap

15.78P/E TTM

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Arrow Financial Corp

29.257

-0.543-1.82%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-18

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite an average stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

166 / 400

Overall Ranking

279 / 4721

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 1 analysts

Hold

Current Rating

28.500

Target Price

-1.35%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

Arrow Financial Corporation is a bank holding company. The Company's banking subsidiaries include Glens Falls National Bank and Trust Company (GFNB) and Saratoga National Bank and Trust Company (SNB). The two banks provide a full range of services for individuals and small to mid-size businesses in northeastern New York State from Albany, the state's capitol, to the Canadian border. It is engaged in a range of lending activities, including commercial and industrial lending primarily to small and mid-sized companies; mortgage lending for residential and commercial properties, and consumer installment and home equity financing. It also provides retirement planning, trust and estate administration services for individuals, and pension, profit-sharing and employee benefit plan administration for corporations. GFNB's subsidiary, Upstate Agency LLC, offers insurance services, including property and casualty insurance, group health insurance and individual life insurance products.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 58.72%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 58.72%.

Fairly Valued

The company’s latest PB is 1.20, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 9.20M shares, decreasing 5.37% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 872.18K shares of this stock.

Financial Health

Currency: USD Updated: 2025-09-18

The company's current financial score is 4.88, which is lower than the Banking Services industry's average of 7.07. Its financial status is weak, and its operating efficiency is low. Its latest quarterly revenue reached 39.70M, representing a year-over-year increase of 16.65%, while its net profit experienced a year-over-year increase of 25.58%.

Score

Industry at a Glance

Previous score

4.88

Change



Financials

5.54

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

3.61

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.61

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.49

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.14

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-18

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 15.74, which is -5.96% below the recent high of 14.81 and 28.25% above the recent low of 11.30.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 166/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-18

The company’s current earnings forecast score is 6.00, which is lower than the Banking Services industry's average of 7.39. The average price target for Arrow Financial Corp is 28.50, with a high of 28.50 and a low of 28.50.

Score

Industry at a Glance

Previous score

6.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 1 analysts

Hold

Current Rating

28.500

Target Price

-1.35%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

Arrow Financial Corp

AROW

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-18

The company’s current price momentum score is 7.07, which is lower than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 30.14 and the support level at 27.72, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.07

Change

1.9

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(1)

Neutral(2)

Buy(4)

Indicators

Value

Direction

MACD(12,26,9)

-0.170

Neutral

RSI(14)

60.633

Neutral

STOCH(KDJ)(9,3,3)

57.697

Buy

ATR(14)

0.748

Low Volatility

CCI(14)

104.043

Buy

Williams %R

24.419

Buy

TRIX(12,20)

0.174

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

29.100

Buy

MA10

29.156

Buy

MA20

29.264

Sell

MA50

28.064

Buy

MA100

27.041

Buy

MA200

27.129

Buy

Institutional Confidence

Currency: USD Updated: 2025-09-18

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 55.78%, representing a quarter-over-quarter decrease of 0.12%. The largest institutional shareholder is The Vanguard, holding a total of 872.18K shares, representing 5.30% of shares outstanding, with 10.38% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Glens Falls National Bank & Trust Company

1.89M

-0.65%

BlackRock Institutional Trust Company, N.A.

1.23M

-2.93%

The Vanguard Group, Inc.

Star Investors

833.73K

+3.79%

Dimensional Fund Advisors, L.P.

743.37K

+0.92%

State Street Global Advisors (US)

384.67K

-2.26%

Geode Capital Management, L.L.C.

379.78K

+2.95%

American Century Investment Management, Inc.

323.00K

+5.91%

Renaissance Technologies LLC

Star Investors

231.62K

-0.30%

Rhino Investment Partners, Inc.

196.28K

+3.26%

Voya Investment Management LLC

150.91K

-15.54%

Risk Assessment

Currency: USD Updated: 2025-09-18

The company’s current risk assessment score is 5.20, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 0.78. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.