Stock Scorecard
Stock Summary for Arrow Financial Corp (AROW) - $40.82 as of 7/8/2026 8:46:44 AM EST
Total Score
20 out of 30
Safety Score
56 out of 100
Currently on the following lists
None
Tim's Recommendation
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 (56 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) | 0 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| 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) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for AROW
Financial Details for AROW
Company Overview |
|
|---|---|
| Ticker | AROW |
| Company Name | Arrow Financial Corp |
| Country | USA |
| 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 | 3/31/2026 |
| Next Earnings Date | 7/23/2026 |
Stock Price History |
|
| Last Day Price | 40.82 |
| Price 4 Years Ago | 28.35 |
| Last Day Price Updated | 7/8/2026 8:46:44 AM EST |
| Last Day Volume | 102,784 |
| Average Daily Volume | 100,764 |
| 52-Week High | 42.44 |
| 52-Week Low | 24.90 |
| Last Price to 52 Week Low | 63.94% |
Valuation Measures |
|
| Trailing PE | 13.36 |
| Industry PE | 15.42 |
| Sector PE | 18.01 |
| 5-Year Average PE | 19.59 |
| Free Cash Flow Ratio | 23.19 |
| Industry Free Cash Flow Ratio | 12.25 |
| Sector Free Cash Flow Ratio | 37.30 |
| Current Ratio Most Recent Quarter | 25.33 |
| Total Cash Per Share | 1.76 |
| Book Value Per Share Most Recent Quarter | 26.63 |
| Price to Book Ratio | 1.55 |
| Industry Price to Book Ratio | 1.33 |
| Sector Price to Book Ratio | 2.01 |
| Price to Sales Ratio Twelve Trailing Months | 4.05 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.70 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.52 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 16,529,000 |
| Market Capitalization | 674,713,780 |
| Institutional Ownership | 50.76% |
Dividends |
|
| Ex-Dividend Date | 5/12/2026 |
| Previous Dividend Amount | 0.3000 |
| Current Dividend Amount | 0.3000 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.18 |
| Trailing Annual Dividend Yield | 2.86% |
| Forward Annual Dividend Rate | 1.20 |
| Forward Annual Dividend Yield | 2.91% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 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 | 38.19% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 116.70% |
| Annual Earnings Growth | 47.95% |
| Reported EPS 12 Trailing Months | 3.09 |
| Reported EPS Past Year | 0.82 |
| Reported EPS Prior Year | 2.74 |
| Net Income Twelve Trailing Months | 51,128,000 |
| Net Income Past Year | 43,953,000 |
| Net Income Prior Year | 29,709,000 |
| Quarterly Revenue Growth YOY | 29.40% |
| 5-Year Revenue Growth | 10.91% |
| Operating Margin Twelve Trailing Months | 40.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 29,102,000 |
| Total Cash Past Year | 29,132,000 |
| Total Cash Prior Year | 154,546,000 |
| Net Cash Position Most Recent Quarter | 4,837,000 |
| 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 | 440,143,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 41,336,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.50 |
| 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 | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.74 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 25.75 |
System |
|
| Modified | 7/7/2026 5:38:17 PM EST |