Stock Scorecard
Stock Summary for Arrow Financial Corp (AROW) - $38.93 as of 8/11/2026 3:07:18 PM EST
Total Score
14 out of 30
Safety Score
41 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for AROW
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for AROW
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for AROW
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for AROW
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for AROW (41 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for AROW
Financial Details for AROW
Company Overview |
|
|---|---|
| Ticker | AROW |
| Company Name | Arrow Financial Corp |
| Country | N/A |
| Description | Arrow Financial Corporation, a banking holding company, offers consumer and commercial banking and financial products and services. The company is headquartered in Glens Falls, New York. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2026 |
| Next Earnings Date | 10/29/2026 |
Stock Price History |
|
| Last Day Price | 38.93 |
| Price 4 Years Ago | 28.35 |
| Last Day Price Updated | 8/11/2026 3:07:18 PM EST |
| Last Day Volume | 111,414 |
| Average Daily Volume | 95,115 |
| 52-Week High | 42.70 |
| 52-Week Low | 25.21 |
| Last Price to 52 Week Low | 54.42% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 14.08 |
| Sector PE | 18.27 |
| 5-Year Average PE | 14.95 |
| Free Cash Flow Ratio | 20.82 |
| Industry Free Cash Flow Ratio | 12.92 |
| Sector Free Cash Flow Ratio | 36.87 |
| Current Ratio Most Recent Quarter | 0.01 |
| Total Cash Per Share | 1.87 |
| Book Value Per Share Most Recent Quarter | 26.98 |
| Price to Book Ratio | 1.46 |
| Industry Price to Book Ratio | 1.37 |
| Sector Price to Book Ratio | 2.23 |
| Price to Sales Ratio Twelve Trailing Months | 3.83 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.76 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.94 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 16,545,200 |
| Market Capitalization | 644,104,636 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 8/11/2026 |
| Previous Dividend Amount | 0.3000 |
| Current Dividend Amount | 0.3000 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.19 |
| Trailing Annual Dividend Yield | 3.06% |
| Forward Annual Dividend Rate | 1.20 |
| Forward Annual Dividend Yield | 3.08% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 3.72% |
| 5-Year Average Dividend Yield | 3.91% |
| 1-Year Dividend Growth Rate Percentage | 5.26% |
| 3-Year Dividend Growth Rate Percentage | 2.60% |
| 5-Year Dividend Growth Rate Percentage | 4.00% |
| All-Time Dividend Growth Rate Percentage | 7.43% |
| Dividend Payout Ratio | 38.39% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 1.50% |
| Annual Earnings Growth | 47.95% |
| Reported EPS 12 Trailing Months | 3.10 |
| Reported EPS Past Year | 1.53 |
| Reported EPS Prior Year | 2.74 |
| Net Income Twelve Trailing Months | 51,285,000 |
| Net Income Past Year | 43,953,000 |
| Net Income Prior Year | 29,709,000 |
| Quarterly Revenue Growth YOY | 4.60% |
| 5-Year Revenue Growth | 10.91% |
| Operating Margin Twelve Trailing Months | 34.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 30,881,000 |
| Total Cash Past Year | 29,132,000 |
| Total Cash Prior Year | 154,546,000 |
| Net Cash Position Most Recent Quarter | 6,616,000 |
| Net Cash Position Past Year | 4,867,000 |
| Long Term Debt Past Year | 24,265,000 |
| Long Term Debt Prior Year | 28,600,000 |
| Total Debt Most Recent Quarter | 24,265,000 |
| Equity to Debt Ratio Past Year | 0.95 |
| Equity to Debt Ratio Most Recent Quarter | 0.95 |
| Total Stockholder Equity Past Year | 431,852,000 |
| Total Stockholder Equity Prior Year | 400,901,000 |
| Total Stockholder Equity Most Recent Quarter | 446,306,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 58,588,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.54 |
| Free Cash Flow Past Year | 36,191,000 |
| Free Cash Flow Prior Year | 28,872,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.15 |
| MACD Signal | 0.31 |
| 20-Day Bollinger Lower Band | 32.96 |
| 20-Day Bollinger Middle Band | 37.91 |
| 20-Day Bollinger Upper Band | 42.86 |
| Beta | 0.74 |
| RSI | 53.18 |
| 50-Day SMA | 33.20 |
| 150-Day SMA | 27.37 |
| 200-Day SMA | 26.05 |
System |
|
| Modified | 8/11/2026 5:37:44 PM EST |