Arrow Financial Corp (AROW) Stock Price

AROWStock

$36.85+41.46%52W

Market Cap$682.60M

P/E15.53x

PEG Ratio2.84

Div yield4.39%

Beta0.74

AROW Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-8.53%

Price vs S&P 500 (4W)-0.80%

PEG Ratio2.84

VGM Score39.83

P/E Ratio (Annual)15.53x

Indicated Dividend Yield (Annual)4.39%

P/CF (Annual)16.54x

Book Value / Share (Quarterly)$26.98

P/TBV (Annual)1.20x

Indicated Dividend (Annual)$1.20

Revenue Growth (3Y)5.71%

Cash Flow / Share (Quarterly)$2.70

Payout Ratio (TTM)37.92%

Price vs S&P 500 (YTD)5.43%

Net Profit Margin (TTM)24.85%

EPS (TTM)$3.12

10-Day Avg Trading Volume0.06M

EPS Excl Extra (TTM)$3.12

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)13.31x

Revenue Growth QoQ (YoY)23.12%

EPS Growth (5Y)1.98%

P/E Normalized (Annual)15.53x

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 Ratio1.53x

P/B Ratio (Quarterly)1.52x

Net Income / Employee (Annual)$76,000

ROA (TTM)1.14%

EPS Growth QoQ (YoY)1.98%

EV / EBITDA (TTM)9.04x

EPS Incl Extra (Annual)$2.66

3-Month Avg Trading Volume0.09M

52-Week Price Return41.46%

EV / Free Cash Flow (Annual)19.55x

P/E Incl Extra (TTM)13.31x

Tangible BV / Share (Quarterly)$26.88

P/S Ratio (Annual)2.81x

52-Week High$42.70

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 Return1.38%

13-Week Price Return-11.33%

Total Debt / Equity (Annual)0.06x

Enterprise Value$707.49M

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 Dev18.78%

Net Income / Employee (TTM)$88,700

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)15.29x

EV / Free Cash Flow (TTM)15.85x

Total Debt / Equity (Quarterly)0.06x

EPS Incl Extra (TTM)$3.12

ROI (TTM)11.18%

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/E9.26x

Free OCF CAGR (5Y)-0.54%

Price vs S&P 500 (52W)25.93%

P/E Ratio (TTM)13.31x

EPS Growth TTM (YoY)70.32%

Year-to-Date Return17.36%

5-Day Price Return0.44%

EPS Normalized (Annual)$2.66

ROA (5Y Avg)0.97%

Net Profit Margin (Annual)32.65%

Month-to-Date Return0.00%

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)13.13x

ROI (5Y Avg)9.73%

P/E Excl Extra (TTM)13.31x

LT Debt / Equity (Quarterly)0.04x

EPS Basic Excl Extra (TTM)$3.12

P/TBV (Quarterly)1.52x

Payout Ratio (Annual)42.99%

P/B Ratio (Annual)1.20x

Dividend / Share (TTM)$1.18

Pretax Margin (TTM)31.52%

Book Value / Share (Annual)$26.26

Price vs S&P 500 (13W)-14.02%

Net Margin Growth (5Y)4.06%

Dividend Yield (TTM)2.85%

Beta0.74x

P/FCF (Annual)18.86x

Revenue / Share (TTM)$8.12

ROE (TTM)11.82%

52-Week Low$25.88

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AROW Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 23, 2026	$0.85	$0.71	-16.47%(-$0.14)
Q1 2026	Apr 30, 2026	$0.79	$0.82	+3.80%(+$0.03)
Q4 2025	Jan 29, 2026	$0.80	$0.85	+6.25%(+$0.05)
Q3 2025	Oct 30, 2025	$0.72	$0.81	+12.50%(+$0.09)
Q2 2025	Jul 24, 2025	$0.60	$0.70	+16.67%(+$0.10)

AROW Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

2.17

3.89

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
AROWArrow Financial Corp	D	D	C	1.5x	11.8%	1.1%	—	$36.85
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69

About Arrow Financial Corp

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.