Arrow Financial Corporation

AROW | NASDAQ

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$37.65

-$0.27 (-0.71%)

At close: Sep 21, 2026, 4:00 PM ET

$37.65

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $625.46M

Enterprise Value $906.51M

Beta 0.73

Average Volume 90.28K

Shares Outstanding (Diluted) 16.44M

Shares Change YoY -0.68%

Institutional Ownership 55.59%

Exchange NASDAQ

ISIN US0427441029

Price Performance

Price Change 1M -2.7%

Price Change 3M -5.8%

Price Change 6M 13.4%

Price Change YTD 20.3%

Price Change 1Y 28.9%

Price Change 3Y 122.5%

Price Change 5Y 15.5%

1M CAGR (ann.) -4.4%

1Y CAGR (ann.) 35.8%

5Y CAGR (ann.) 6.3%

All-Time CAGR 7.8%

Valuation

PE Ratio 12.07

Forward PE 8.81

PEG Ratio 0.17

Forward PEG 0.54

PS Ratio 2.68

Forward PS 2.60

PB Ratio 1.39

P/FCF Ratio 15.06

P/Adj. FCF Ratio 15.63

P/OCF Ratio 11.88

EV/Sales 3.90

EV/EBIT 17.88

EV/EBITDA 10.65

EV/FCF 21.93

Earnings Yield 8.3%

FCF Yield 6.6%

Adj. FCF Yield 6.4%

Financial Health

Net Debt $279.31M

Total Debt $315.08M

Cash & Short-Term Investments $30.88M

Total Assets $4.48B

Current Ratio 0.01

Quick Ratio 0.01

Debt / Equity Ratio 0.75

Debt / EBITDA 3.70

Debt / FCF 7.62

OCF / Debt 0.15

Interest Coverage 0.46

Altman Z-Score -0.83

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 63.6%

Operating Profit Margin 14.8%

EBITDA Margin 17.5%

Net Profit Margin 24.2%

FCF Margin 17.8%

Adj. FCF Margin 17.1%

SBC / Revenue 0.6%

SBC Impact (per share) -3.7%

Returns

Return on Assets 1.1%

Return on Equity 11.8%

Return on Invested Capital 3.3%

Return on Capital Employed 6.6%

Return on Tangible Assets 1.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 10.0%

Revenue CAGR 5Y 9.5%

Revenue CAGR 10Y 8.6%

EPS CAGR 3Y 10.9%

EPS CAGR 5Y 0.6%

EPS CAGR 10Y 6.9%

FCF CAGR 3Y -0.8%

FCF CAGR 5Y -1.2%

FCF CAGR 10Y 3.5%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 1

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $43.70

Graham Upside 16.1%

Lynch Fair Value $15.60

Lynch Upside -58.6%

Price Target $45

Price Target Upside 19.5%

Cash Flow

Operating Cash Flow $46.45M

Free Cash Flow $41.34M

Adj. Free Cash Flow $39.82M

FCF Per Share $2.72

OCF Per Share $3.17

OCF/S Ratio 24.5%

Income Statement

Revenue $232.6M

Gross Profit $84.6M

Operating Income $34.3M

EBITDA $85.09M

Net Income $51.29M

EPS (Diluted) $3.12

Revenue / Employee $402.43K

Profit / Employee $88.73K

Employees 578

Dividends

Annual Dividend $1.19

Dividend Yield 3.16%

Payout Ratio 38.1%

FCF Payout Ratio 46.3%

Adj. FCF Payout Ratio 48.1%

Dividend Growth (YoY) 5.3%

Pay Frequency Quarterly

Ex-Dividend Date Aug 10, 2026