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Arrow financial corporationAROW.US Overview

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AROW Recent Performance

1.17%

Arrow financial corporation

1.79%

Avg of Sector

-0.31%

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AROW Key Information

AROW Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

AROW Profile

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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AROW FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

AROW Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.67
PE Ratio (TTM)
12.57
Forward PE
11.40
PS Ratio (TTM)
3.46
PB Ratio
1.31
Price-to-FCF
11.36
METRIC
VALUE
vs. INDUSTRY
Gross Margin
88.63%
Net Margin
24.60%
Revenue Growth (YoY)
32.69%
Profit Growth (YoY)
17.60%
3-Year Revenue Growth
20.06%
3-Year Profit Growth
5.42%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.67
PE Ratio (TTM)
12.57
Forward PE
11.40
PS Ratio (TTM)
3.46
PB Ratio
1.31
Price-to-FCF
11.36
Gross Margin
88.63%
Net Margin
24.60%
Revenue Growth (YoY)
32.69%
Profit Growth (YoY)
17.60%
3-Year Revenue Growth
20.06%
3-Year Profit Growth
5.42%

  • When is AROW's latest earnings report released?

    The most recent financial report for Arrow financial corporation (AROW) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating AROW's short-term business performance and financial health. For the latest updates on AROW's earnings releases, visit this page regularly.

  • Where does AROW fall in the P/E River chart?

    According to historical valuation range analysis, Arrow financial corporation (AROW)'s current price-to-earnings (P/E) ratio is 9.18, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of AROW?

    According to the latest financial report, Arrow financial corporation (AROW) reported an Operating Profit of 16.76M with an Operating Margin of 26.66% this period, representing a growth of 220.97% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is AROW's revenue growth?

    In the latest financial report, Arrow financial corporation (AROW) announced revenue of 62.88M, with a Year-Over-Year growth rate of 102.44%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does AROW have?

    At the end of the period, Arrow financial corporation (AROW) held Total Cash and Cash Equivalents of 29.13M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does AROW go with three margins increasing?

    In the latest report, Arrow financial corporation (AROW) achieved the “three margins increasing” benchmark, with a gross margin of 67.69%%, operating margin of 26.66%%, and net margin of 22.29%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess AROW's profit trajectory and future growth potential.

  • Is AROW's EPS continuing to grow?

    According to the past four quarterly reports, Arrow financial corporation (AROW)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.85. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of AROW?

    Arrow financial corporation (AROW)'s Free Cash Flow (FCF) for the period is 15.13M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 77.39% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of AROW?

    The latest valuation data shows Arrow financial corporation (AROW) has a Price-To-Earnings (PE) ratio of 9.18 and a Price/Earnings-To-Growth (PEG) ratio of 1.02. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.