Grufity logoGrufity logo
StocksFundsScreenerSectorsWatchlists
AROW

AROW - Arrow Financial Corp Stock Price, Fair Value and News

24.21USD-0.30 (-1.22%)Market Closed
Watchlist

Market Summary

USD24.21-0.30
Market Closed
-1.22%

AROW Alerts

  • 2 major insider buys recently.

AROW Stock Price

View Fullscreen

AROW RSI Chart

AROW Valuation

Market Cap

412.9M

Price/Earnings (Trailing)

11.99

Price/Sales (Trailing)

2.68

EV/EBITDA

0.78

Price/Free Cashflow

10.7

AROW Price/Sales (Trailing)

AROW Profitability

EBT Margin

12.13%

Return on Equity

9.57%

Return on Assets

0.81%

Free Cashflow Yield

9.35%

AROW Fundamentals

AROW Revenue

Revenue (TTM)

154.1M

Rev. Growth (Yr)

23.12%

Rev. Growth (Qtr)

5.26%

AROW Earnings

Earnings (TTM)

34.4M

Earnings Growth (Yr)

-36.34%

Earnings Growth (Qtr)

28.05%

Breaking Down AROW Revenue

Last 7 days

0.9%

Last 30 days

-6.1%

Last 90 days

-1.6%

Trailing 12 Months

-21.0%

How does AROW drawdown profile look like?

AROW Financial Health

AROW Investor Care

Dividend Yield

4.34%

Dividend/Share (TTM)

1.05

Shares Dilution (1Y)

0.18%

Diluted EPS (TTM)

2.03

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
2023136.8M146.2M154.1M0
2022116.8M117.7M122.1M129.7M
2021111.4M113.1M115.6M115.5M
2020111.8M112.5M111.9M111.9M
2019100.3M103.9M107.4M109.8M
201887.1M89.7M92.6M96.5M
201778.3M80.0M82.3M84.7M
201672.4M74.2M75.7M76.9M
201567.6M68.3M69.4M70.7M
201464.4M65.3M66.2M66.9M
201367.4M65.7M64.4M64.1M
201274.8M72.8M71.0M69.4M
201183.2M81.1M79.1M76.8M
201086.4M85.9M85.4M85.0M
200900086.9M

Tracking the Latest Insider Buys and Sells of Arrow Financial Corp

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
Feb 07, 2024
dake gary c
bought
47,460
23.73
2,000
-
Feb 06, 2024
wise andrew j
bought
23,570
23.57
1,000
sevp, chief risk officer
Jan 10, 2024
champion gregory j
acquired
9,058
26.18
346
-
Jan 10, 2024
miller elizabeth
acquired
18,116
26.18
692
-
Jan 10, 2024
kruczlnicki david g
acquired
10,000
26.18
382
-
Jan 10, 2024
casaccio tenee r
acquired
9,503
26.18
363
-
Jan 10, 2024
o'conor raymond f
acquired
9,503
26.18
363
-
Jan 10, 2024
dake gary c
acquired
19,635
26.18
750
-
Jan 10, 2024
read colin l
acquired
9,817
26.18
375
-
Jan 10, 2024
behan mark
acquired
8,875
26.18
339
-

1–10 of 50

Which funds bought or sold AROW recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Feb 21, 2024
Raleigh Capital Management Inc.
new
-
18,440
18,440
0.01%
Feb 16, 2024
PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO
new
-
127,714
127,714
-%
Feb 16, 2024
PRICE T ROWE ASSOCIATES INC /MD/
reduced
-18.85
215,000
862,000
-%
Feb 15, 2024
Farther Finance Advisors, LLC
new
-
978
978
-%
Feb 15, 2024
BARCLAYS PLC
added
268
468,000
561,000
-%
Feb 15, 2024
Legal & General Group Plc
reduced
-78.88
-134,944
71,610
-%
Feb 15, 2024
JANE STREET GROUP, LLC
new
-
620,715
620,715
-%
Feb 14, 2024
Rockefeller Capital Management L.P.
added
0.4
1,267,650
3,223,500
0.01%
Feb 14, 2024
OCCUDO QUANTITATIVE STRATEGIES LP
new
-
241,430
241,430
0.03%
Feb 14, 2024
Squarepoint Ops LLC
sold off
-100
-412,854
-
-%

1–10 of 48

Are Funds Buying or Selling AROW?

Are funds buying AROW calls or puts?
Calls
Puts
No. of funds holding Calls - Puts
Net Call Options
No. of funds that own AROW
No. of Funds

Unveiling Arrow Financial Corp's Major ShareHolders

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Jan 26, 2024
blackrock inc.
7.4%
1,254,712
SC 13G/A
Jan 31, 2023
blackrock inc.
7.2%
1,195,975
SC 13G/A
Feb 09, 2022
vanguard group inc
4.44%
712,123
SC 13G/A
Feb 01, 2022
blackrock inc.
7.0%
1,120,558
SC 13G/A
Feb 10, 2021
vanguard group inc
5.03%
779,459
SC 13G
Jan 29, 2021
blackrock inc.
7.3%
1,125,509
SC 13G/A
Feb 05, 2020
blackrock inc.
7.4%
1,104,280
SC 13G/A

Recent SEC filings of Arrow Financial Corp

View All Filings
Date Filed Form Type Document
Feb 16, 2024
8-K
Current Report
Feb 12, 2024
13F-HR
Fund Holdings Report
Feb 07, 2024
4
Insider Trading
Feb 07, 2024
4
Insider Trading
Feb 07, 2024
4
Insider Trading
Feb 07, 2024
8-K
Current Report
Feb 01, 2024
8-K
Current Report
Jan 26, 2024
SC 13G/A
Major Ownership Report
Jan 12, 2024
4
Insider Trading
Jan 12, 2024
4
Insider Trading

What is the Fair Value of AROW?

Loading...
Disclaimer: Conduct thorough research and seek guidance from a certified financial advisor prior to finalizing any investment choices.

Peers (Alternatives to Arrow Financial Corp)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
535.9B
171.1B
5.90% 26.94%
10.82
3.13
20.20% 31.52%
269.2B
130.3B
3.93% -3.57%
10.15
2.07
37.19% -3.68%
190.9B
85.7B
9.51% 9.26%
9.97
2.23
6.67% 45.21%
107.6B
123.5B
4.24% 9.46%
7.92
0.87
87.95% -
14.3B
10.2B
-0.25% -26.81%
8.87
1.4
44.53% -22.43%
13.2B
7.9B
-0.92% -26.80%
13.62
1.66
46.47% -49.56%
MID-CAP
6.6B
4.0B
-6.97% -31.81%
5.5
1.65
76.30% 16.42%
5.9B
3.7B
-3.49% -22.00%
7.01
1.57
53.61% 0.24%
3.2B
1.2B
-6.58% -2.15%
11.11
2.6
53.00% -17.58%
3.1B
2.0B
-0.43% -11.81%
17.04
1.59
57.95% -50.03%
SMALL-CAP
464.9M
115.7M
-3.25% 30.73%
15.44
4.02
24.10% -20.09%
429.5M
156.0M
8.55% 14.87%
11.5
2.75
42.01% -10.62%
412.9M
154.1M
-6.13% -21.03%
11.99
2.68
26.24% -26.76%
305.0M
96.3M
-14.53% -2.37%
8.07
3.17
19.08% 25.77%
49.2M
58.7M
-7.62% -26.88%
16.84
0.84
25.03% -65.02%

Arrow Financial Corp News

Latest updates
Yahoo Finance14 Feb 202408:00 am
Zacks Investment Research02 Feb 202408:00 am
Houston Chronicle 01 Feb 202401:06 pm
Zacks Investment Research01 Feb 202401:01 pm

Arrow Financial Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Millions)
Income Statement (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q3
Revenue5.3%42.0040.0036.0036.0034.0031.0029.0028.0030.0030.0028.0028.0027.0028.0028.0028.0028.0027.0026.0026.0024.00
EBITDA Margin-9.2%0.88*0.97*1.06*1.12*1.13*1.15*1.16*1.15*1.16*1.14*1.13*1.09*1.03*--------
Interest Expenses-1.6%25.0026.0028.0031.0031.0029.0028.0027.0029.0028.0026.0026.0025.0025.0023.0023.0022.0022.0021.0022.0021.00
Income Taxes14.2%2.002.002.003.003.004.004.003.004.004.003.004.003.003.002.003.003.002.002.002.002.00
EBT Margin-5.1%0.12*0.13*0.14*0.14*0.12*0.13*0.13*0.13*0.14*0.14*0.14*0.14*0.12*--------
Net Income28.0%8.006.009.0012.0012.0012.0013.0010.0013.0013.0013.0012.0011.009.008.0010.0010.009.009.009.009.00
Net Income Margin-15.9%0.22*0.27*0.33*0.38*0.39*0.41*0.42*0.43*0.45*0.44*0.41*0.36*0.34*--------
Free Cashflow-2.6%10.0010.0011.008.0013.0011.0014.009.0014.0019.0019.0013.0010.00--------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q3
Assets4.1%4,2734,1044,1153,9704,2333,9914,1564,0284,0713,8963,9043,6893,7783,5473,2913,1843,1133,0062,9852,9882,953
    Cash Equivalents69.8%29517420365.0037321748845859847845238145125313970.0092.0063.0061.0084.0092.00
  Net PPE---------44.0043.0043.0043.0042.0041.0041.0041.0040.0039.0035.0030.0029.00
  Goodwill0%22.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.00
Liabilities4.6%3,9133,7423,7513,6163,8873,6353,7993,6573,7113,5433,5613,3543,4523,2292,9822,8832,8212,7212,7082,7192,688
Shareholder's Equity-0.4%360361363354346356357371360353342334326318309302292285277270265
  Retained Earnings-11.9%63.0071.0069.0065.0058.0070.0062.0054.0048.0060.0051.0042.0033.0043.0037.0033.0027.0039.0034.0029.0024.00
  Additional Paid-In Capital2.8%412401401400399379379378377355354354353337336335335316315315314
Shares Outstanding0.0%17.0017.0017.0017.0017.0017.0017.0017.0017.0017.0017.0017.0017.00--------
Float------509---558---447---503---
Cashflow (Last 12 Months)
(In Thousands)
Cashflow (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q3
Cashflow From Operations-10.2%11,20012,47913,22011,50317,52613,91516,76912,49415,61919,97420,11914,75111,7072,73013,12611,22011,63310,36010,7318,37912,553
  Share Based Compensation116.0%27012512211311411411010410310310410510610610399.0098.0099.0095.0089.0089.00
Cashflow From Investing-130.1%-52,339-22,742-5,743-49,569-106,972-110,354-126,167-92,104-57,34528,608-153,76110,485-33,533-132,200-32,069-91,756-76,283-15,741-8,451-46,160-78,118
Cashflow From Financing927.6%162,277-19,608131,335-270,703245,621-173,885139,280-61,060161,864-22,561204,858-94,911219,222244,21187,25158,45994,2536,847-25,29029,72597,119
  Buy Backs---8481511085202,09329.002,443190-7.0064.00-1,5071013276491,392275409

AROW Income Statement

2023-09-30
Consolidated Statements of Income - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
INTEREST AND DIVIDEND INCOME    
Interest and Fees on Loans$ 36,699$ 29,618$ 103,203$ 82,263
Interest on Deposits at Banks1,8051,2013,9581,826
Interest and Dividends on Investment Securities:    
Fully Taxable2,9242,6038,8237,236
Exempt from Federal Taxes6897852,2562,422
Total Interest and Dividend Income42,11734,207118,24093,747
INTEREST EXPENSE    
Interest-Bearing Checking Accounts1,1562672,346629
Savings Deposits9,7292,46923,8303,778
Time Deposits over $250,0001,466893,159143
Other Time Deposits2,0511503,721370
Borrowings2,1431105,309405
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts173173513513
Interest on Financing Leases4648143145
Total Interest Expense16,7643,30639,0215,983
NET INTEREST INCOME25,35330,90179,21987,764
Provision for Credit Losses3541,7152,8563,389
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES24,99929,18676,36384,375
NON-INTEREST INCOME    
Insurance Commissions1,6951,6504,7754,783
Net Gain (Loss) on Securities7195(214)379
Net Gain on Sales of Loans21182580
Other Operating Income1,1246521,8932,121
Total Non-Interest Income8,0507,82721,63323,733
NON-INTEREST EXPENSE    
Salaries and Employee Benefits11,98812,42735,97435,400
Occupancy Expenses, Net1,5171,5214,7284,721
Technology and Equipment Expense4,3714,04913,15011,802
FDIC Assessments5152951,478893
Other Operating Expense5,0883,15614,5287,922
Total Non-Interest Expense23,47921,44869,85860,738
INCOME BEFORE PROVISION FOR INCOME TAXES9,57015,56528,13847,370
Provision for Income Taxes1,8273,4025,78610,658
NET INCOME$ 7,743$ 12,163$ 22,352$ 36,712
Average Shares Outstanding:    
Basic (in shares)[1]17,05017,00717,04917,001
Diluted (in shares)[1]17,05017,05417,04917,050
Per Common Share:    
Basic Earnings (in dollars per share)$ 0.46$ 0.72$ 1.31$ 2.16
Diluted Earnings (in dollars per share)$ 0.46$ 0.72$ 1.31$ 2.15
Income From Fiduciary Activities    
NON-INTEREST INCOME    
Revenue from contract with customer$ 2,378$ 2,341$ 7,081$ 7,454
Fees for Other Services to Customers    
NON-INTEREST INCOME    
Revenue from contract with customer$ 2,761$ 3,071$ 8,073$ 8,916
[1]2022Share and Per Share Amounts have been restated for the September 26, 2023 3% stock dividend.

AROW Balance Sheet

2023-09-30
Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
Sep. 30, 2022
ASSETS   
Cash and Due From Banks$ 39,778$ 31,886$ 44,872
Interest-Bearing Deposits at Banks254,96132,774328,557
Investment Securities:   
Available-for-Sale at Fair Value519,240573,495575,054
Held-to-Maturity (Fair Value of $134,811 at September 30, 2023; $171,623 at December 31, 2022; and $175,800 at September 30, 2022)140,577175,364182,178
Equity Securities1,9602,1742,126
FHLB and Federal Reserve Bank Stock5,1106,0644,720
Loans3,138,6172,983,2072,924,794
Allowance for Credit Losses(31,112)(29,952)(29,232)
Net Loans3,107,5052,953,2552,895,562
Premises and Equipment, Net60,31156,49154,015
Goodwill21,87321,87321,873
Other Intangible Assets, Net1,2051,5001,604
Other Assets120,391114,633122,217
Total Assets4,272,9113,969,5094,232,778
LIABILITIES   
Noninterest-Bearing Deposits798,392836,871910,221
Interest-Bearing Checking Accounts920,250997,6941,113,850
Savings Deposits1,496,1931,454,3641,584,373
Time Deposits over $250,000167,61476,22459,059
Other Time Deposits284,036133,211127,602
Total Deposits3,666,4853,498,3643,795,105
Borrowings174,30054,80025,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts20,00020,00020,000
Finance Leases5,0805,1195,131
Other Liabilities47,03237,68841,992
Total Liabilities3,912,8973,615,9713,887,228
STOCKHOLDERS’ EQUITY   
Preferred Stock, $1 Par Value and 1,000,000 Shares Authorized at September 30, 2023, December 31, 2022 and September 30, 2022000
Common Stock, $1 Par Value; 30,000,000 Shares Authorized (22,066,559 Shares Issued at September 30, 2023 and 21,423,992 Shares Issued at December 31, 2022 and September 30, 2022)22,06721,42421,424
Additional Paid-in Capital412,397400,270399,461
Retained Earnings62,64765,40157,778
Accumulated Other Comprehensive Loss(52,584)(49,655)(49,070)
Treasury Stock, at Cost (5,017,063 Shares at September 30, 2023; 4,872,355 Shares at December 31, 2022 and 4,900,975 Shares at September 30, 2022)(84,513)(83,902)(84,043)
Total Stockholders’ Equity360,014353,538345,550
Total Liabilities and Stockholders’ Equity$ 4,272,911$ 3,969,509$ 4,232,778
Common Stock, shares issued (in shares)22,066,55921,423,99221,423,992
AROW
Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. 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 improvements 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. In addition, it maintains an indirect lending program; and sells residential real estate loan originations into the secondary market. Further, the company provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Additionally, it 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. It operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, as well as surrounding areas. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.
 CEO
 WEBSITEwww.arrowfinancial.com
 EMPLOYEES502

Arrow Financial Corp Frequently Asked Questions


What is the ticker symbol for Arrow Financial Corp? What does AROW stand for in stocks?

AROW is the stock ticker symbol of Arrow Financial Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Arrow Financial Corp (AROW)?

As of Thu Feb 22 2024, market cap of Arrow Financial Corp is 412.91 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of AROW stock?

You can check AROW's fair value in chart for subscribers.

What is the fair value of AROW stock?

You can check AROW's fair value in chart for subscribers. The fair value of Arrow Financial Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Arrow Financial Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for AROW so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Arrow Financial Corp a good stock to buy?

The fair value guage provides a quick view whether AROW is over valued or under valued. Whether Arrow Financial Corp is cheap or expensive depends on the assumptions which impact Arrow Financial Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for AROW.

What is Arrow Financial Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu Feb 22 2024, AROW's PE ratio (Price to Earnings) is 11.99 and Price to Sales (PS) ratio is 2.68. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. AROW PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Arrow Financial Corp's stock?

In the past 10 years, Arrow Financial Corp has provided 0.022 (multiply by 100 for percentage) rate of return.