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AROW stock logo

AROW

Arrow Financial Corporation

$34.13
0.13
 (0.38%)
Exchange:  NASDAQ
Market Cap:  563.541M
Shares Outstanding:  9.096M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  David S. DeMarco
Full Time Employees:  580
Address: 
250 Glen Street
Glens Falls
NY
12801
US
Website:  https://www.arrowfinancial.com
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; and 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. The company 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. It owns 26 branch banking offices; and leases 12 branch banking offices, as well as two residential loan origination offices. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue191,681223,067242,579
Gross Profit130,568134,626158,322
EBITDA44,23842,71955,388
Operating Income37,52037,35855,388
Net Income30,07529,70943,953

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets4,169,8684,306,3484,445,862
Total Liabilities3,790,0963,905,4474,014,010
Total Stockholders Equity379,772400,901431,852
Total Debt71,56633,60529,194
Cash and Cash Equivalents142,536154,54629,132

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Cash Flow Statement

Year202320242025
Operating Cash Flow20,58034,46941,280
Capital Expenditure-7,081-5,597-5,089
Free Cash Flow13,49928,87236,191
Net Income30,07529,70943,953
Net Change in Cash77,87612,01059,637

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)244,800Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)244,800Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)244,800Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)77,249.581Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)77,249.581Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)77,249.581Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)71,505.624Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)71,505.624Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)71,505.624Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)73,161.213Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)73,161.213Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)73,161.213Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.330Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.330Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.330Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
223.067M  ?P/S
 (TTM)
: 
2.54
?Net Income
 (TTM)
: 
29.709M  ?P/E
 (TTM)
: 
13.94
?Enterprise Value
 (TTM)
: 
617.1M  ?EV/FCF
 (TTM)
: 
?Dividend Yield
 (TTM)
: 
  ?Payout Ratio
 (TTM)
: 
?ROE
 (TTM)
: 
  ?ROIC
 (TTM)
: 
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
?P/B
 (TTM)
: 
  ?Current Ratio
 (TTM)
: 

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Forward P/E Ratios

?

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Forward P/E 1YFull AccessFull AccessFull AccessFull Access
N/AFull AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates AROW intrinsic value between $25.37 – $28.79 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate AROW Intrinsic Value

Common questions about AROW valuation

Is AROW (AROW) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for AROW (AROW) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is AROW a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AROW trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is AROW’s P/E ratio?

You can see AROW’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for AROW?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is AROW a good long-term investment?

Whether AROW fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

AROW

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Relevant news

Arrow Financial (NASDAQ:AROW) Shares Cross Above 200-Day Moving Average   – Time to Sell?

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