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Arrow Financial Corp (AROW)
Price$37.17
Favorite Metrics
Price vs S&P 500 (26W)34.49%
Price vs S&P 500 (4W)6.71%
Market Capitalization$615.88M
P/E Ratio (Annual)14.01x
Indicated Dividend Yield (Annual)3.21%
All Metrics
P/CF (Annual)14.92x
Book Value / Share (Quarterly)$26.26
P/TBV (Annual)1.20x
Indicated Dividend (Annual)$1.16
Revenue Growth (3Y)5.71%
Cash Flow / Share (Quarterly)$2.20
Payout Ratio (TTM)42.99%
Price vs S&P 500 (YTD)14.87%
Net Profit Margin (TTM)24.85%
EPS (TTM)$2.67
10-Day Avg Trading Volume0.12M
EPS Excl Extra (TTM)$2.67
Revenue Growth (5Y)8.90%
EPS (Annual)$2.66
Dividend / Share (Annual)$1.14
ROI (Annual)9.62%
Net Profit Margin (5Y Avg)32.59%
Cash / Share (Quarterly)$2.33
P/E Basic Excl Extra (TTM)14.01x
Revenue Growth QoQ (YoY)23.12%
EPS Growth (5Y)1.98%
P/E Normalized (Annual)14.01x
ROA (Last FY)0.99%
Revenue Growth TTM (YoY)26.24%
EBITD / Share (TTM)$3.68
ROE (5Y Avg)10.55%
Operating Margin (TTM)31.52%
Cash Flow / Share (Annual)$2.20
P/B Ratio1.43x
P/B Ratio (Quarterly)1.20x
Net Income / Employee (Annual)$0
ROA (TTM)0.98%
EPS Growth QoQ (YoY)220.15%
EV / EBITDA (TTM)10.54x
EPS Incl Extra (Annual)$2.66
3-Month Avg Trading Volume0.09M
52-Week Price Return53.53%
EV / Free Cash Flow (Annual)17.71x
P/E Incl Extra (TTM)14.01x
Tangible BV / Share (Quarterly)$26.15
P/S Ratio (Annual)2.81x
52-Week High$38.09
Operating Margin (5Y Avg)41.50%
EPS Excl Extra (Annual)$2.66
CapEx CAGR (5Y)-0.16%
Tangible BV CAGR (5Y)5.29%
26-Week Price Return43.23%
13-Week Price Return16.42%
Total Debt / Equity (Annual)0.06x
Enterprise Value$640.813
Revenue / Share Growth (5Y)6.76%
Book Value / Share Growth (5Y)5.95%
Revenue / Employee (Annual)$294,825
Pretax Margin (Annual)42.09%
Cash / Share (Annual)$1.87
3-Month Return Std Dev25.24%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)0.68%
EBITDA Interim CAGR (5Y)-0.31%
ROE (Last FY)10.18%
EPS Basic Excl Extra (Annual)$2.66
P/FCF (TTM)17.02x
EV / Free Cash Flow (TTM)17.71x
Total Debt / Equity (Quarterly)0.06x
EPS Incl Extra (TTM)$2.67
ROI (TTM)9.98%
Dividend Growth Rate (5Y)4.17%
P/S Ratio (TTM)3.03x
Pretax Margin (5Y Avg)41.50%
Revenue / Share (Annual)$8.76
Tangible BV / Share (Annual)$26.15
Forward P/E10.18x
Free OCF CAGR (5Y)-0.54%
Price vs S&P 500 (52W)18.44%
P/E Ratio (TTM)14.01x
EPS Growth TTM (YoY)50.54%
Year-to-Date Return19.01%
5-Day Price Return2.66%
EPS Normalized (Annual)$2.66
ROA (5Y Avg)0.97%
Net Profit Margin (Annual)32.65%
Month-to-Date Return11.32%
Cash Flow / Share (TTM)$2.41
EBITD / Share (Annual)$3.68
EPS Growth (3Y)-2.28%
Operating Margin (Annual)42.09%
LT Debt / Equity (Annual)0.05x
P/CF (TTM)14.92x
ROI (5Y Avg)9.73%
P/E Excl Extra (TTM)14.01x
LT Debt / Equity (Quarterly)0.05x
EPS Basic Excl Extra (TTM)$2.67
P/TBV (Quarterly)1.20x
Payout Ratio (Annual)42.99%
P/B Ratio (Annual)1.20x
Dividend / Share (TTM)$1.14
Pretax Margin (TTM)31.52%
Book Value / Share (Annual)$26.26
Price vs S&P 500 (13W)13.55%
Net Margin Growth (5Y)4.06%
Dividend Yield (TTM)3.07%
Beta0.80x
P/FCF (Annual)17.02x
Revenue / Share (TTM)$8.12
ROE (TTM)10.58%
52-Week Low$23.34
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.14
4.14
2.17
2.17
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
AROWArrow Financial Corp | 1.20x | 10.58% | 0.98% | — | $37.17 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $316.99 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.95 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.97 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $133.05 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $205.71 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $43.82 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.60 |
PNCPNC Financial Services Group | 1.32x | 11.98% | 1.25% | — | $227.03 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $57.00 |
TFCTruist Financial Corporation | 0.89x | 8.51% | 1.01% | — | $50.84 |
About
Arrow Financial Corp is a bank holding company that operates subsidiaries providing commercial and consumer lending, residential and commercial mortgages, and digital banking services. The company generates revenue primarily through interest income, fees, and commissions earned from its lending and advisory services to small and mid-sized businesses and consumers.