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AROW

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

29.32USD-0.25 (-0.85%)Market Closed

Market Summary

AROW
USD29.32-0.25
Market Closed
-0.85%

AROW Stock Price

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AROW RSI Chart

AROW Valuation

Market Cap

489.6M

Price/Earnings (Trailing)

16.78

Price/Sales (Trailing)

2.83

EV/EBITDA

1.71

Price/Free Cashflow

40.44

AROW Price/Sales (Trailing)

AROW Profitability

EBT Margin

11.23%

Return on Equity

7.72%

Return on Assets

0.67%

Free Cashflow Yield

2.47%

AROW Fundamentals

AROW Revenue

Revenue (TTM)

173.1M

Rev. Growth (Yr)

29.26%

Rev. Growth (Qtr)

5.31%

AROW Earnings

Earnings (TTM)

29.2M

Earnings Growth (Yr)

-10.53%

Earnings Growth (Qtr)

-0.82%

Breaking Down AROW Revenue

Last 7 days

6.6%

Last 30 days

17.3%

Last 90 days

28.7%

Trailing 12 Months

34.8%

How does AROW drawdown profile look like?

AROW Financial Health

AROW Investor Care

Dividend Yield

3.64%

Dividend/Share (TTM)

1.07

Buy Backs (1Y)

2.05%

Diluted EPS (TTM)

1.72

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
2024173.1M000
2023136.8M146.2M154.1M162.6M
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
2010086.2M85.6M85.0M
200900086.9M
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Tracking the Latest Insider Buys and Sells of Arrow Financial Corp

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
Jul 10, 2024
miller elizabeth
acquired
18,128
26.35
688
-
Jul 10, 2024
kruczlnicki david g
acquired
10,013
26.35
380
-
Jul 10, 2024
casaccio tenee r
acquired
14,703
26.35
558
-
Jul 10, 2024
champion gregory j
acquired
9,064
26.35
344
-
Jul 10, 2024
read colin l
acquired
9,802
26.35
372
-
Jul 10, 2024
behan mark
acquired
9,802
26.35
372
-
Jul 10, 2024
o'conor raymond f
acquired
9,090
26.35
345
-
Jul 10, 2024
dake gary c
acquired
19,630
26.35
745
-
Jun 10, 2024
casaccio tenee r
sold (taxes)
-51,705
24.47
-2,113
-
Jun 10, 2024
casaccio tenee r
acquired
51,707
20.198
2,560
-

1–10 of 50

Which funds bought or sold AROW recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Jul 19, 2024
NISA INVESTMENT ADVISORS, LLC
unchanged
-
830
20,996
-%
Jul 17, 2024
BROWN, LISLE/CUMMINGS, INC.
added
1.06
1,604
32,154
0.01%
Jul 12, 2024
SG Americas Securities, LLC
sold off
-100
-129,000
-
-%
Jul 10, 2024
Hilltop National Bank
unchanged
-
206
5,210
-%
Jul 10, 2024
CWM, LLC
added
25.84
2,000
6,000
-%
Jul 10, 2024
Clean Yield Group
unchanged
-
1,502
37,981
0.01%
Jul 09, 2024
City State Bank
new
-
234
234
-%
Jul 09, 2024
TRUST CO OF VERMONT
unchanged
-
39,697
1,003,990
0.06%
Jul 09, 2024
ADIRONDACK TRUST CO
reduced
-4.14
-1,273
548,763
0.22%
Jul 02, 2024
GAMMA Investing LLC
reduced
-22.89
-3,858
15,708
-%

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
Jul 11, 2024
4
Insider Trading
Jul 11, 2024
4
Insider Trading
Jul 11, 2024
4
Insider Trading
Jul 11, 2024
4
Insider Trading
Jul 11, 2024
4
Insider Trading
Jul 11, 2024
4
Insider Trading
Jul 11, 2024
4
Insider Trading
Jul 11, 2024
4
Insider Trading
Jun 11, 2024
4
Insider Trading
Jun 06, 2024
8-K
Current Report

Peers (Alternatives to Arrow Financial Corp)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
610.3B
180.9B
6.53% 34.40%
12.12
3.37
60.42% 19.83%
335.8B
137.9B
7.38% 35.50%
13.42
2.44
56.12% -12.56%
206.5B
88.5B
0.32% 25.69%
11
2.33
42.28% 26.14%
124.5B
140.1B
7.24% 37.48%
15.58
0.89
54.53% -
18.7B
10.4B
17.92% 31.33%
13.04
1.79
26.22% -33.87%
14.7B
8.1B
14.73% 31.14%
16.81
1.81
32.15% -50.93%
MID-CAP
7.2B
4.1B
18.38% 29.31%
11.5
1.77
32.93% -30.73%
6.7B
4.2B
6.96% -4.74%
9.62
1.57
34.68% -45.96%
4.0B
1.3B
21.68% 47.38%
14.31
3.08
30.60% -12.99%
3.5B
2.0B
12.48% 24.39%
21.48
1.69
47.11% -59.32%
SMALL-CAP
497.6M
120.2M
6.68% 49.76%
19.02
4.14
45.65% -13.98%
489.6M
173.1M
17.28% 34.80%
16.78
2.83
26.54% -34.86%
424.0M
176.1M
14.71% 11.43%
42.65
2.41
35.14% -73.84%
344.3M
98.7M
26.04% 16.03%
11.7
3.49
6.27% -22.90%
44.1M
62.5M
10.30% -6.55%
-14.9
0.7
18.83% -145.18%

Arrow Financial Corp News

Latest updates
Defense World41 hours ago
Newsmax10 Jul 202407:00 am

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/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Revenue5.3%47.0044.0042.0040.0036.0036.0034.0031.0029.0028.0030.0030.0028.0028.0027.0028.0028.0028.0028.0027.0026.00
EBITDA Margin-7.5%0.75*0.81*0.88*0.97*1.06*1.12*1.13*1.15*1.16*1.15*1.16*1.14*1.13*--------
Interest Expenses3.3%26.0026.0025.0026.0028.0031.0031.0029.0028.0027.0029.0028.0026.0026.0025.0025.0023.0023.0022.0022.0021.00
Income Taxes22.0%2.002.002.002.002.003.003.004.004.003.004.004.003.004.003.003.002.003.003.002.002.00
EBT Margin-6.1%0.11*0.12*0.12*0.13*0.14*0.14*0.12*0.13*0.13*0.13*0.14*0.14*0.14*--------
Net Income-0.8%8.008.008.006.009.0012.0012.0012.0013.0010.0013.0013.0013.0012.0011.009.008.0010.0010.009.009.00
Net Income Margin-8.9%0.17*0.19*0.22*0.27*0.33*0.38*0.39*0.41*0.42*0.43*0.45*0.44*0.41*0.36*-------
Free Cashflow154.3%9.00-16.9310.0010.0011.008.0013.0011.0014.009.0014.0019.0019.0013.00-------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Assets3.9%4,3344,1704,2734,1044,1153,9704,2333,9914,1564,0284,0713,8963,9043,6893,7783,5473,2913,1843,1133,0062,985
    Cash Equivalents98.2%28214329517420365.0037321748845859847845238145125313970.0092.0063.0061.00
  Net PPE-----------44.0043.0043.0043.0042.0041.0041.0041.0040.0039.0035.00
  Goodwill0%22.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.0022.00
Liabilities4.4%3,9563,7903,9133,7423,7513,6163,8873,6353,7993,6573,7113,5433,5613,3543,4523,2292,9822,8832,8212,7212,708
Shareholder's Equity-0.5%378380360361363354346356357371360353342334326318309302292285277
  Retained Earnings4.7%69.0066.0063.0071.0069.0065.0058.0070.0062.0054.0048.0060.0051.0042.0033.0043.0037.0033.0027.0039.0034.00
  Additional Paid-In Capital0.1%413413412401401400399379379378377355354354353337336335335316315
Shares Outstanding-1.0%17.0017.0017.0017.0017.0017.0017.0017.0017.0017.0017.0017.0017.00--------
Float----333---509---558---447---503-
Cashflow (Last 12 Months)
(In Thousands)
Cashflow (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Cashflow From Operations163.4%10,349-16,31911,20012,47913,22011,50317,52613,91516,76912,49415,61919,97420,11914,75111,7072,73013,12611,22011,63310,36010,731
  Share Based Compensation-5.7%83.0088.0027012512211311411411010410310310410510610610399.0098.0099.0095.00
Cashflow From Investing-1964.2%-37,693-1,826-52,339-22,742-5,743-49,569-106,972-110,354-126,167-92,104-57,34528,608-153,76110,485-33,533-132,200-32,069-91,756-76,283-15,741-8,451
Cashflow From Financing224.8%167,273-134,058162,277-19,608131,335-270,703245,621-173,885139,280-61,060161,864-22,561204,858-94,911219,222244,21187,25158,45994,2536,847-25,290
  Buy Backs116.0%5,9612,760--8481511085202,09329.002,443190-7.0064.00-1,5071013276491,392
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AROW Income Statement

2024-03-31
Consolidated Statements of Income - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
INTEREST AND DIVIDEND INCOME  
Interest and Fees on Loans$ 40,376$ 31,886
Interest on Deposits at Banks2,447479
Interest and Dividends on Investment Securities:  
Fully Taxable3,1862,948
Exempt from Federal Taxes668797
Total Interest and Dividend Income46,67736,110
INTEREST EXPENSE  
Interest-Bearing Checking Accounts1,641370
Savings Deposits10,2305,587
Time Deposits over $250,0001,973574
Other Time Deposits5,083474
Borrowings1,076793
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts171169
Interest on Financing Leases4849
Total Interest Expense20,2228,016
NET INTEREST INCOME26,45528,094
Provision for Credit Losses6171,554
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES25,83826,540
NON-INTEREST INCOME  
Insurance Commissions1,6821,520
Net Gain (Loss) on Securities17(104)
Net Gain on Sales of Loans44
Other Operating Income1,155387
Total Non-Interest Income7,8586,677
NON-INTEREST EXPENSE  
Salaries and Employee Benefits12,89311,947
Occupancy Expenses, Net1,7711,628
Technology and Equipment Expense4,8204,417
FDIC Assessments715479
Other Operating Expense3,8133,825
Total Non-Interest Expense24,01222,296
INCOME BEFORE PROVISION FOR INCOME TAXES9,68410,921
Provision for Income Taxes2,0242,359
NET INCOME$ 7,660$ 8,562
Average Shares Outstanding:  
Basic (in shares)[1]16,86517,048
Diluted (in shares)[1]16,86717,060
Per Common Share:  
Basic Earnings (in dollars per share)$ 0.45$ 0.50
Diluted Earnings (in dollars per share)$ 0.45$ 0.50
Income From Fiduciary Activities  
NON-INTEREST INCOME  
Revenue from contract with customer$ 2,457$ 2,275
Fees for Other Services to Customers  
NON-INTEREST INCOME  
Revenue from contract with customer$ 2,543$ 2,595
[1]2023Share and Per Share Amounts have been restated for the September 26, 2023 3% stock dividend.

AROW Balance Sheet

2024-03-31
Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
ASSETS   
Cash and Due From Banks$ 27,356$ 36,755$ 25,107
Interest-Bearing Deposits at Banks255,109105,781178,365
Investment Securities:   
Available-for-Sale at Fair Value485,833497,769565,693
Held-to-Maturity (Fair Value of $124,861 at March 31, 2024; $128,837 at December 31, 2023; and $164,439 at March 31, 2023)128,051131,395167,347
Equity Securities1,9421,9252,070
Other Investments4,2085,04910,027
Loans3,258,7583,212,9083,005,352
Allowance for Credit Losses(31,561)(31,265)(30,784)
Net Loans3,227,1973,181,6432,974,568
Premises and Equipment, Net59,49459,64258,233
Goodwill21,87321,87321,873
Other Intangible Assets, Net1,0181,1101,400
Other Assets121,542126,926109,947
Total Assets4,333,6234,169,8684,114,630
LIABILITIES   
Noninterest-Bearing Deposits696,519758,425788,690
Interest-Bearing Checking Accounts908,453799,785958,490
Savings Deposits1,497,4661,466,2801,497,326
Time Deposits over $250,000173,976179,301122,827
Other Time Deposits502,607483,775179,016
Total Deposits3,779,0213,687,5663,546,349
Borrowings106,50026,500142,800
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts20,00020,00020,000
Finance Leases5,0535,0665,106
Other Liabilities45,06350,96437,004
Total Liabilities3,955,6373,790,0963,751,259
STOCKHOLDERS’ EQUITY   
Preferred Stock, $1 Par Value and 1,000,000 Shares Authorized at March 31, 2024, December 31, 2023 and March 31, 2023000
Common Stock, $1 Par Value; 30,000,000 Shares Authorized (22,066,559 Shares Issued at March 31, 2024 and December 31, 2023 and 21,423,992 Shares Issued at March 31, 2023)22,06722,06721,424
Additional Paid-in Capital412,823412,551400,944
Retained Earnings68,88765,79269,499
Accumulated Other Comprehensive Loss(32,714)(33,416)(43,983)
Treasury Stock, at Cost (5,356,335 Shares at March 31, 2024; 5,124,073 Shares at December 31, 2023 and 4,870,935 Shares at March 31, 2023)(93,077)(87,222)(84,513)
Total Stockholders’ Equity377,986379,772363,371
Total Liabilities and Stockholders’ Equity$ 4,333,623$ 4,169,868$ 4,114,630
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
 WEBSITEarrowfinancial.com
 INDUSTRYBanks Diversified
 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 Fri Jul 19 2024, market cap of Arrow Financial Corp is 489.59 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 Fri Jul 19 2024, AROW's PE ratio (Price to Earnings) is 16.78 and Price to Sales (PS) ratio is 2.83. 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 0.039 (multiply by 100 for percentage) rate of return.