Is Arrow Financial Corporation (AROW) Overvalued?
We dive into why Arrow Financial Corporation (AROW) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
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COMPANY SUMMARY
Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. 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 enhancement 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, as well as maintains an indirect lending program. In addition, it provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Further, the company offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products. The company was founded in 1851 and is headquartered in Glens Falls, New York.
Commentary & Analysis
What You Need to Know About Arrow Financial Corporation's Q3 Earnings
Arrow Financial Corporation's fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (AROW) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Arrow Financial Corporation's Q2 Earnings
Arrow Financial Corporation's fiscal Q2 earnings report was released on Thursday, April 30. Let's dive in to see if (AROW) missed or beat analyst's expectations.Rosalio Madrigal
What You Need to Know About Arrow Financial Corporation's Q4 Earnings
Arrow Financial Corporation's fiscal Q4 earnings report was released on Thursday, October 30. Let's dive in to see if (AROW) missed or beat analyst's expectations.Tudor Pop
Why Arrow Financial Corporation’s (AROW) Stock Is Up 5.22%
As of Friday, August 22, Arrow Financial Corporation’s AROW share price has surged by 5.22%, which has investors questioning if this is right time to sell.Jenna Brashear
Financial Summary
| Share Statistics | AROW | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $712.8 | $745.4 | 40% |
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| Shares Out (Mil) | 16.5 | 15.3 | 27% |
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| Institutional Ownership | 94.5% | 83.2% | 65% |
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| Float (Mil) | 16.2 | 21.8 | 26% |
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| Beta | 0.74 | 0.42 | 44% |
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| Avg Daily Volume (000s) | 122 | 45 | 37% |
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| Price Change (52-week) |
36.7% | 94.6% | 72% |
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| Growth | AROW | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.3% | 7.7% | 37% |
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| Net Income (5yr) | 1.5% | 11.1% | 42% |
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| EPS (5yr) | 1.9% | 10.1% | 34 |
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| Dividends (5yr) | 4.1% | 3.6% | 82% |
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| Cash Flow (5yr) | (27.8%) | (17.1%) | 22% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $0.933 | $3.517 | $4.293 | |
| Month Ago EPS | $0.973 | $3.733 | $4.333 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 2 | 1 | 0 | |
| Three Months Ago EPS | $0.960 | $3.700 | $4.300 | |
| Year/Year Chg | 41.4% | 32.7% | na | |
| Financials | AROW | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $170 | $196 | 31% |
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| Net Income (TTM) (Mil) | $51 | $55 | 55% |
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| EPS (TTM) | $3.118 | $2.600 | 79% |
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| Operating Cash Flow (TTM) (Mil) | $52 | $35 | 47% |
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| Net Cash Flow (TTM) (Mil) | ($82) | $2 | 16% |
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| Long-Term Debt (Q1) (Mil) | $35 | $100 | 36% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | AROW | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.43 | 1.25 | 36% |
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| P/E | 12.4 | 12.4 | 27% |
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| Dividend Yield | 3.1% | 2.2% | 86% |
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| PEG (5yr hist) | 6.5 | 1.1 | 91% |
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| Ratios | AROW | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 30.1% | 29.1% | 89% |
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| ROA | 1.2% | 1.1% | 49% |
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| ROE | 12.0% | 11.3% | 63% |
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| Liabilities to Assets | 90.0% | 89.7% | 86% |
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| F-Score | 5 | 4 | 50% |
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Arrow Financial Corporation did not pass any screens on 8/21/2026.
