← Back to Screener
Arrow Financial Corp (AROW)
Price$37.46
Value ScoreD
Growth ScoreC
Momentum ScoreA
Favorite Metrics
Price vs S&P 500 (26W)16.32%
Price vs S&P 500 (4W)0.84%
VGM Score55.41
Market Capitalization$619.18M
P/E Ratio (Annual)14.09x
Indicated Dividend Yield (Annual)3.25%
All Metrics
P/CF (Annual)15.00x
Book Value / Share (Quarterly)$26.63
P/TBV (Annual)1.20x
Indicated Dividend (Annual)$1.20
Revenue Growth (3Y)5.71%
Cash Flow / Share (Quarterly)$2.50
Payout Ratio (TTM)37.46%
Price vs S&P 500 (YTD)11.14%
Net Profit Margin (TTM)24.85%
EPS (TTM)$3.11
10-Day Avg Trading Volume0.06M
EPS Excl Extra (TTM)$3.11
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)12.11x
Revenue Growth QoQ (YoY)23.12%
EPS Growth (5Y)1.98%
P/E Normalized (Annual)14.09x
ROA (Last FY)0.99%
Revenue Growth TTM (YoY)26.24%
EBITD / Share (TTM)$3.33
ROE (5Y Avg)10.55%
Operating Margin (TTM)31.52%
Cash Flow / Share (Annual)$2.20
P/B Ratio1.41x
P/B Ratio (Quarterly)1.26x
Net Income / Employee (Annual)$76,000
ROA (TTM)1.14%
EPS Growth QoQ (YoY)117.20%
EV / EBITDA (TTM)9.04x
EPS Incl Extra (Annual)$2.66
3-Month Avg Trading Volume0.09M
52-Week Price Return47.42%
EV / Free Cash Flow (Annual)17.80x
P/E Incl Extra (TTM)12.11x
Tangible BV / Share (Quarterly)$26.53
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 Return24.25%
13-Week Price Return13.55%
Total Debt / Equity (Annual)0.06x
Enterprise Value$644.09M
Revenue / Share Growth (5Y)6.76%
Book Value / Share Growth (5Y)5.95%
Revenue / Employee (Annual)$294,824,500,000
Pretax Margin (Annual)42.09%
Cash / Share (Annual)$1.87
3-Month Return Std Dev23.58%
Net Income / Employee (TTM)$88,500
EBITDA CAGR (5Y)8.38%
EBITDA Interim CAGR (5Y)1.50%
ROE (Last FY)10.18%
EPS Basic Excl Extra (Annual)$2.66
P/FCF (TTM)14.98x
EV / Free Cash Flow (TTM)15.58x
Total Debt / Equity (Quarterly)0.06x
EPS Incl Extra (TTM)$3.11
ROI (TTM)11.37%
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/E9.76x
Free OCF CAGR (5Y)-0.54%
Price vs S&P 500 (52W)23.06%
P/E Ratio (TTM)12.11x
EPS Growth TTM (YoY)83.40%
Year-to-Date Return19.30%
5-Day Price Return2.94%
EPS Normalized (Annual)$2.66
ROA (5Y Avg)0.97%
Net Profit Margin (Annual)32.65%
Month-to-Date Return2.07%
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)13.33x
ROI (5Y Avg)9.73%
P/E Excl Extra (TTM)12.11x
LT Debt / Equity (Quarterly)0.05x
EPS Basic Excl Extra (TTM)$3.11
P/TBV (Quarterly)1.26x
Payout Ratio (Annual)42.99%
P/B Ratio (Annual)1.20x
Dividend / Share (TTM)$1.15
Pretax Margin (TTM)31.52%
Book Value / Share (Annual)$26.26
Price vs S&P 500 (13W)5.29%
Net Margin Growth (5Y)4.06%
Dividend Yield (TTM)3.09%
Beta0.76x
P/FCF (Annual)17.11x
Revenue / Share (TTM)$8.12
ROE (TTM)12.04%
52-Week Low$24.57
vGradeD
gGradeC
mGradeA
vgmGradeC
Show chart for
Earnings Surprise History
Q1 260.82est. 0.81
Analyst Recommendations
Mar 2026
Apr 2026
May 2026
Jun 2026
2.17
2.17
2.17
2.17
Industry Peers — National Banks(117)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
AROWArrow Financial Corp | D | C | A | $37.46 |
| JPMJPMorgan Chase & Co. | D | C | C | $312.37 |
| BACBank of America Corporation | C | C | C | $53.83 |
| WFCWells Fargo & Co. | D | C | D | $81.94 |
| CCitigroup Inc. | C | C | A | $132.47 |
| MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | D | B | A | $9.52 |
| UBSUBS Group AG | C | C | B | $47.01 |
| COFCapital One Financial | C | D | F | $180.67 |
| PNCPNC Financial Services Group | D | C | B | $228.37 |
| USBU.S. Bancorp | B | C | C | $55.69 |
| TFCTruist Financial Corporation | B | C | C | $49.20 |
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.