Arrow Financial (BQE) Stock Price & Analysis
BQE Stock Chart & Stats
- Day’s Range
- EUR 32.60 - EUR 32.60
- 52-Week Range
- EUR 23.00 - EUR 35.80
- Previous Close
- EUR 32.20
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 636.24M
- Enterprise Value
- EUR 845.46M
- Total Cash (Recent Filing)
- EUR 30.88M
- Total Debt (Recent Filing)
- EUR 335.08M
- Price to Earnings (P/E)
- 14.5
- Beta
- 0.35
- Next Earnings
- Feb 04, 2027 (Est.)
- EPS Estimate
- 0.9
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.94%
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
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Arrow Financial Stock Smart Score
Company Description
Arrow Financial
Arrow Financial Corporation functions as a bank holding company, delivering a comprehensive suite of commercial and consumer banking services, alongside various financial products. Its core deposit offerings include conventional options like demand accounts, interest-bearing checking accounts, savings accounts, and diverse time deposits. The company's lending portfolio features commercial credit facilities such as term loans, time-based notes, and revolving lines of credit. It also extends financing for commercial real estate, encompassing property acquisitions, refinancing, expansions, and improvements, in addition to loans for commercial construction and land development. On the consumer side, Arrow Financial provides installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans. Residential real estate financing is another key component, offering mortgages, fixed home equity loans, and home equity lines of credit to support home improvements, debt consolidation, educational funding, and other personal requirements. Furthermore, the company operates an indirect lending program and actively sells its originated residential real estate loans into the secondary market. Beyond traditional banking, Arrow Financial offers comprehensive wealth management and trust services. This includes retirement planning, trust administration, and estate management for individuals, as well as pension, profit-sharing, and employee benefit plan administration for corporate clients. The corporation also operates an insurance agency, providing group health, life, and property and casualty policies. Additionally, it offers investment advisory services for its proprietary mutual funds and holds an interest in a real estate investment trust. The company's operational footprint spans the northeastern region of New York State, specifically serving Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, along with neighboring communities. Its physical infrastructure comprises 26 owned branch banking locations, 12 leased branch offices, and two dedicated residential loan origination centers. Established in 1851, Arrow Financial Corporation maintains its corporate headquarters in Glens Falls, New York.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- David S. DeMarco
- Employees
- 578
- Website
- www.arrowfinancial.com
- Address
- 250 Glen Street, Glens Falls, NY, 12801, US
Arrow Financial (BQE) Earnings & Revenues
BQE Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 2 | 4 |
| Technical Analysis | 4 | 2 | 4 |
| Moving Averages | 12 | 0 | 0 |
