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Company Analysis

Arrow Financial Corporation AROW

A comprehensive view of key metrics, scores, and financial health for Arrow Financial Corporation

Overview of Arrow Financial Corporation

AROW NMS
Financial Services Banks - Regional Small Cap
Arrow Financial Corporation (AROW), is a Small Cap company, in the Banks - Regional industry, last closed at $32.48, about 18.9% overvalued vs fair value, +25.1% 1Y return, ranked 518/1004 in sector.
$32.48
-0.64%
As of March 13, 2026
Previous close • Vol 90d: 29.3%
52-Week Range
Market Cap
$534.14M
Enterprise Value
$534.21M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.arrowfinancial.com
HQ Glens Falls, NY
Employees 600
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$15
$26
$49
Current: $32.48 -19% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$195.0M
19.9%%
Interest Expense
$77.0M
Net Interest Income
$111.7M
6.6%%
Total Revenue
$242.6M
73.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.4%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$25.1M
84.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Arrow Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
49
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
39
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing AROW's balance between Growth (41.5%), Profitability (31.5%), and Safety (27.0%). Growth 41% Safety 27% Profitability 31%

Click axes to expand details. Marker shows current allocation.

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Growth

54th percentile vs peers
55
Key Signals
Rev Growth YoY 73.5% 66p Revenue CAGR 3Y 17.6% 47p Asset Growth YoY 3.2% 47p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

41th percentile vs peers
42
Key Signals
Strengths
Risks
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Safety

35th percentile vs peers
36
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Arrow Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$26.35
- - -
-18.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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