Arrow Financial Corporation (AROW)

Arrow Financial Corporation is a bank holding company based in Glens Falls, New York, and listed on NASDAQ under the ticker AROW. Through its banking operations, the company provides a range of commercial and consumer banking products and services in the United States. Its deposit offerings include checking, savings, and time deposit accounts, while its lending activities cover commercial loans, commercial real estate financing, construction and land development loans, and a variety of consumer credit products such as personal installment loans, home equity lending, automobile loans, and lines of credit. Arrow Financial also provides retirement planning, trust and estate administration, pension and employee benefit plan administration, and insurance agency services that include group health, life, property, and casualty coverage.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-AROW
$43.96
15.9% Upside
Fair
$43.50
14.7% Upside
Fair
Fair
3.1%
October 27, 2026
13.8x
1.6x
4.2x
700.9 M
32.4%
87.4%
-2.0
37.9%
87.3%
Valuation • Fair Value

Arrow Financial Corporation (NASDAQ-AROW) Fair Value by Valuation Model

Review the available estimates for Arrow Financial Corporation (NASDAQ-AROW), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$43.96

Estimated upside of 15.9% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$30.63

Classic Ben Graham valuation formula reference.

DDM Fair Value

$70.31

Dividend discount model valuation reference.

Comps Fair Value

$35.18

Comparable-company valuation reference.

Analyst Price Target

$43.50

Analysts imply upside of 14.7%.

How to read these valuation models

Use the 6 available valuation references for Arrow Financial Corporation (NASDAQ-AROW) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Arrow Financial Corporation (NASDAQ-AROW)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

170.2 M

Current operating scale indicator.

Revenue Forecast

206.4 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Arrow Financial Corporation (NASDAQ-AROW) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Arrow Financial Corporation (NASDAQ-AROW)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range quality score.

Altman Z-Score

-2.0

Lower score that deserves closer risk review.

FCF / Net Income

87.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Arrow Financial Corporation (NASDAQ-AROW). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Arrow Financial Corporation (NASDAQ-AROW)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 27, 2026

Days to Earnings

39

Dividend Yield

3.1%

Current income yield reference.

Payout Ratio

37.9%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Arrow Financial Corporation (NASDAQ-AROW), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Arrow Financial Corporation (NASDAQ-AROW) Stock Forecast & Technical Outlook

Review Arrow Financial Corporation (NASDAQ-AROW) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for Arrow Financial Corporation (NASDAQ-AROW) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Arrow Financial Corporation (NASDAQ-AROW) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for Arrow Financial Corporation (NASDAQ-AROW) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Sell

The weekly technical read for Arrow Financial Corporation (NASDAQ-AROW) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Arrow Financial Corporation (NASDAQ-AROW) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Arrow Financial Corporation (NASDAQ-AROW)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Arrow Financial Corporation (NASDAQ-AROW) has a Hold consensus, with 0 buy, 2 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 2
Sell 0
FAQ Fast Investor Answers

Arrow Financial Corporation (NASDAQ-AROW) Stock FAQ

Data-supported answers about Arrow Financial Corporation (NASDAQ-AROW), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$43.96
Estimated upside 15.9%
Valuation Rating
Undervalued
Estimated upside of 15.9%
Analyst Target
$43.50
Implied upside 14.7%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Arrow Financial Corporation (NASDAQ-AROW) is $43.96. This implies an estimated upside of 15.9% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 15.9% versus the current market price.

The available analyst price target for Arrow Financial Corporation (NASDAQ-AROW) is $43.50. The analyst target implies estimated upside of 14.7%.

The current financial health read for Arrow Financial Corporation (NASDAQ-AROW) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Arrow Financial Corporation (NASDAQ-AROW) is October 27, 2026.

Based on the current data, dividend yield is 3.1%.

The current P/E ratio listed for Arrow Financial Corporation (NASDAQ-AROW) is 13.8x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Arrow Financial Corporation is 700.9 M.

The ticker symbol for Arrow Financial Corporation is NASDAQ-AROW, and the stock is listed on NASDAQ.

Arrow Financial Corporation (NASDAQ-AROW) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Arrow Financial Corporation is 32.4%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Arrow Financial Corporation is 87.4%. Free float helps investors understand how much of the share base is available for public trading.