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Arrow Financial (AROW) Stock Price & Analysis

136 Followers

AROW Stock Chart & Stats

$39.54$0.90(2.33%)
At close: 4:00 PM EST
$36$38$40Aug 10Aug 24Sep 8Sep 21Oct 5Oct 19Nov 2
Day’s Range
$39.27 - $40.03
52-Week Range
$28.92 - $42.70
Previous Close
$38.64
Volume
N/A
Average Volume (3M)
72.77K
Market Cap
$716.20M
Enterprise Value
$845.46M
Total Cash (Recent Filing)
$30.88M
Total Debt (Recent Filing)
$335.08M
Price to Earnings (P/E)
14.9
Beta
0.74
Next Earnings
Feb 04, 2027 (Est.)
EPS Estimate
1.02
Next Dividend Ex-Date
Nov 10, 2026
Dividend Yield
3.01%

Bulls Say, Bears Say

Bulls Say

Cash Generation

TTM operating cash flow of $67.2M and free cash flow of $58.6M, up 41.7% and equal to about 87% of net income, indicate strong earnings conversion. This internally generated cash can support lending, integration spending, dividends, and selective growth while reducing reliance on external funding.

Acquisition Synergies

Adirondack added about $600M of loans and $900M of deposits, while lowering retail-deposit costs and supporting organic loan growth. Management expects to realize roughly 95% of anticipated cost savings by Q1 2027, giving the merger a concrete path to scale, funding benefits, and improved earnings power.

Fee-Based Diversification

Acquiring Skene Valley Agency expands Arrow’s insurance footprint across Washington County and adds personal and business insurance capabilities. This broadens fee-based activity beyond lending, leverages Arrow’s existing regional relationships, and supports a more diversified community-financial-services model over time.

Bears Say

Higher Leverage

Debt-to-equity rose sharply to about 0.75 in TTM from roughly 0.07–0.08 in 2024–2025, with $335.1M of debt versus $446.3M of equity. This step-up reduces balance-sheet flexibility and leaves earnings and cash flows more exposed if profitability or funding conditions weaken.

Revenue And Margin Pressure

TTM revenue declined 14.2% after steady annual expansion through 2025, while EBIT margin fell to about 16.2% from 22.8%. Although net income remained $51.3M, weaker top-line momentum and operating margins make future earnings growth less dependable and may constrain reinvestment capacity.

Capital And Integration Pressure

Following the Adirondack acquisition, tangible book value per share fell to $23.03 from $25.44 and CET1 declined to 11.63% from 13.21%; $15.6M of merger costs also reduced reported Q3 profit. The ongoing system integration therefore creates near-term pressure on capital, reported earnings, and execution.

Arrow Financial News

AROW FAQ

What was Arrow Financial’s price range in the past 12 months?
Arrow Financial lowest stock price was $28.92 and its highest was $42.70 in the past 12 months.
What is Arrow Financial’s market cap?
Arrow Financial’s market cap is $716.20M.
When is Arrow Financial’s upcoming earnings report date?
Arrow Financial’s next earnings report is estimated for Feb 04, 2027 (not yet confirmed), which is in 90 days.
How were Arrow Financial’s earnings last quarter?
Arrow Financial released its earnings results on Oct 29, 2026. The company reported $0.97 earnings per share for the quarter, beating the consensus estimate of $0.936 by $0.034.
Is Arrow Financial overvalued?
According to Wall Street analysts Arrow Financial’s price is currently Undervalued.
Does Arrow Financial pay dividends?
Arrow Financial pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 3.01%. See more information on Arrow Financial dividends here
What is Arrow Financial’s EPS estimate?
Arrow Financial’s EPS estimate is 1.02.
How many shares outstanding does Arrow Financial have?
Arrow Financial has 18,535,103 shares outstanding.
What happened to Arrow Financial’s price movement after its last earnings report?
Arrow Financial reported an EPS of $0.97 in its last earnings report, beating expectations of $0.936. Following the earnings report the stock price went up 1.67%.
Which hedge fund is a major shareholder of Arrow Financial?
Hedge funds hold Arrow Financial shares: the largest hedge-fund position in Arrow Financial is 71,884,059 shares, and hedge funds increased their holdings by 152.2K shares last quarter.
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology