Arrow Financial Corporation (AROW)Financial Services | Banks - Regional | Glens Falls, United States | NasdaqGS
37.17 USD
+0.37
(0.994%)
⇧
(Oct. 16, 2026, 9:35 a.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 7:21 a.m. EDT
Arrow Financial presents a compelling value case for patient capital, anchored by a robust acquisition strategy and a resilient balance sheet. The recent purchase of Adirondack Bancorp adds significant scale, positioning the bank to compete more effectively in a consolidating regional landscape. Fundamentally, the company trades at an attractive multiple with a forward P/E under 9x and a healthy payout ratio of roughly 38%, ensuring the 3.2% dividend is sustainable and likely to grow. While the stock has faced headwinds recently, dropping below its 200-day average, the underlying business quality remains intact with solid profitability margins. However, the short-term outlook is muted. The statistical forecasting model offers no directional edge, and the recent price action shows the stock struggling to regain traction against its moving averages. This lack of immediate momentum suggests that the market is still digesting the acquisition and waiting for clearer signs of accretion before rotating in fresh capital. Consequently, while the long-term thesis is solid, the near-term catalyst is currently absent. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.036038 |
| AutoARIMA | 0.037579 |
| AutoETS | 0.038065 |
| AutoTheta | 0.069304 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 53% |
| H-stat | 6.18 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.681 |
| Excess Kurtosis | -0.50 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-08-10 |
| Last Dividend Date | 2026-08-10 |
| Revenue per Share | 10.375 |
| Market Cap | 688,434,240 |
| Trailing P/E | 11.99 |
| Forward P/E | 8.63 |
| Beta | 0.74 |
| Profit Margins | 30.14% |
| Website | https://www.arrowfinancial.com |
As of Oct. 10, 2026, 7:21 a.m. EDT: Options activity is sparse and lacks directional conviction. Call volume is heavily skewed toward out-of-the-money strikes (50 strike) suggesting speculative upside hopes, while put volume remains negligible. Implied volatility is elevated relative to historical norms, indicating uncertainty rather than a clear strategic positioning by large players.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.77% | 3.41% | 3.95% | 3.95% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-08-11 | 0.300000 | 0.770218 |
| 2026-05-12 | 0.300000 | 0.836587 |
| 2026-02-11 | 0.300000 | 0.857878 |
| 2025-11-12 | 0.290000 | 0.947712 |
| 2025-08-11 | 0.290000 | 1.054162 |
| 2025-05-13 | 0.280000 | 1.053027 |
| 2025-02-10 | 0.280000 | 1.055011 |
| 2024-10-15 | 0.280000 | 0.959233 |
| 2024-08-12 | 0.270000 | 0.982175 |
| 2024-05-10 | 0.270000 | 1.137321 |
| 2024-02-09 | 0.270000 | 1.111111 |
| 2023-11-30 | 0.270000 | 1.095335 |
| 2023-08-31 | 0.270000 | 1.533220 |
| 2023-06-01 | 0.270000 | 1.483516 |
| 2023-03-02 | 0.270000 | 0.914015 |
| 2022-11-30 | 0.270000 | 0.767700 |
| 2022-08-31 | 0.262136 | 0.840860 |
| 2022-05-31 | 0.262136 | 0.814972 |
| 2022-02-28 | 0.262136 | 0.786026 |
| 2021-12-01 | 0.252427 | 0.758902 |
| 2021-09-02 | 0.252427 | 0.702323 |
| 2021-06-01 | 0.252427 | 0.702702 |
| 2021-03-01 | 0.252427 | 0.811232 |
| 2020-12-01 | 0.252427 | 0.866666 |
| 2020-09-01 | 0.252427 | 0.919377 |
| 2020-06-02 | 0.252427 | 0.914205 |
| 2020-03-02 | 0.252427 | 0.783604 |
| 2019-12-02 | 0.252427 | 0.734670 |
| 2019-09-03 | 0.245075 | 0.817096 |
| 2019-06-03 | 0.245075 | 0.801727 |
| 2019-02-28 | 0.245075 | 0.734049 |
| 2018-11-29 | 0.245075 | 0.740108 |
| 2018-08-30 | 0.237937 | 0.670968 |
| 2018-05-31 | 0.228785 | 0.668448 |
| 2018-02-28 | 0.228785 | 0.775192 |
| 2017-11-30 | 0.228785 | 0.679347 |
| 2017-08-30 | 0.222122 | 0.782473 |
| 2017-05-31 | 0.222122 | 0.789890 |
| 2017-02-27 | 0.222122 | 0.702248 |
| 2016-11-30 | 0.222122 | 0.660503 |
| 2016-08-31 | 0.222122 | 0.771130 |
| 2016-06-01 | 0.222122 | 0.864156 |
| 2016-03-01 | 0.222122 | 0.947689 |
| 2015-12-01 | 0.222122 | 0.876886 |
| 2015-09-01 | 0.217766 | 0.935977 |
| 2015-06-01 | 0.217766 | 0.965995 |
| 2015-02-27 | 0.217766 | 0.936328 |
| 2014-12-01 | 0.217766 | 0.981930 |
| 2014-08-28 | 0.213497 | 0.940559 |
| 2014-05-29 | 0.213497 | 0.960064 |
| 2014-02-27 | 0.213497 | 0.959695 |
| 2013-12-02 | 0.213497 | 0.926614 |
| 2013-08-29 | 0.209310 | 0.967865 |
| 2013-05-30 | 0.209310 | 1.001601 |
| 2013-02-27 | 0.209310 | 1.027959 |
| 2012-11-29 | 0.209310 | 1.016672 |
| 2012-08-30 | 0.205206 | 1.022912 |
| 2012-05-30 | 0.205206 | 1.061120 |
| 2012-02-29 | 0.205206 | 1.039068 |
| 2011-11-30 | 0.205206 | 1.056635 |
| 2011-08-31 | 0.199229 | 1.054406 |
| 2011-06-01 | 0.199229 | 1.062924 |
| 2011-03-01 | 0.199229 | 1.030501 |
| 2010-12-01 | 0.199229 | 0.897987 |
| 2010-08-31 | 0.193426 | 1.096488 |
| 2010-06-01 | 0.193426 | 1.015845 |
| 2010-03-01 | 0.193426 | 0.973518 |
| 2009-12-01 | 0.193426 | 0.976179 |
| 2009-09-01 | 0.187793 | 0.959326 |
| 2009-06-01 | 0.187793 | 0.953472 |
| 2009-02-27 | 0.187793 | 1.061122 |
| 2008-12-01 | 0.187793 | 1.049099 |
| 2008-09-02 | 0.187793 | 0.990100 |
| 2008-05-29 | 0.180281 | 1.061477 |
| 2008-02-28 | 0.180281 | 1.107011 |
| 2007-11-30 | 0.180281 | 1.116798 |
| 2007-08-30 | 0.175030 | 1.069995 |
| 2007-06-01 | 0.175030 | 1.068090 |
| 2007-02-27 | 0.175030 | 1.062887 |
| 2006-12-01 | 0.175030 | 1.016087 |
| 2006-08-31 | 0.169932 | 0.889547 |
| 2006-06-01 | 0.169932 | 0.929151 |
| 2006-02-28 | 0.169932 | 0.895188 |
| 2005-12-05 | 0.169932 | 0.850159 |
| 2005-09-02 | 0.164983 | 0.840338 |
| 2005-06-03 | 0.158108 | 0.826147 |
| 2005-02-24 | 0.158108 | 0.823191 |
| 2004-11-26 | 0.158108 | 0.722133 |
| 2004-08-27 | 0.153503 | 0.776763 |
| 2004-05-26 | 0.153503 | 0.753603 |
| 2004-02-25 | 0.146829 | 0.727031 |
| 2003-11-25 | 0.146829 | 0.791081 |
| 2003-08-27 | 0.138820 | 0.813260 |
| 2003-05-28 | 0.138820 | 0.793891 |
| 2003-02-26 | 0.133481 | 0.862663 |
| 2002-11-26 | 0.133481 | 0.816726 |
| 2002-08-28 | 0.127125 | 0.787154 |
| 2002-05-29 | 0.127125 | 0.844025 |
| 2002-02-27 | 0.116955 | 0.787402 |
| 2001-11-28 | 0.116955 | 0.799445 |
| 2001-08-29 | 0.111386 | 0.850909 |
| 2001-05-30 | 0.111386 | 0.923698 |
| 2001-02-27 | 0.101700 | 0.962752 |
| 2000-11-29 | 0.101700 | 1.272729 |
| 2000-08-30 | 0.096857 | 1.259842 |
| 2000-05-30 | 0.096857 | 1.379310 |
| 2000-02-28 | 0.092014 | 1.041094 |
| 1999-11-26 | 0.092014 | 0.949998 |
| 1999-08-30 | 0.089108 | 0.884611 |
| 1999-05-27 | 0.085234 | 0.828233 |
| 1999-02-25 | 0.085234 | 0.782220 |
| 1998-11-25 | 0.085234 | 0.838093 |
| 1998-08-27 | 0.081360 | 0.785048 |
| 1998-07-30 | 0.080585 | 0.693333 |
| 1998-05-28 | 0.073964 | 0.666671 |
| 1998-02-25 | 0.073964 | 0.694219 |
| 1997-11-26 | 0.073964 | 0.646158 |
| 1997-08-28 | 0.067087 | 0.753383 |
| 1997-05-29 | 0.067087 | 0.788176 |
| 1997-02-26 | 0.067087 | 0.833332 |
| 1996-11-27 | 0.067087 | 0.842104 |
| 1996-08-29 | 0.051840 | 0.781608 |
| 1996-05-29 | 0.051840 | 0.781608 |
| 1996-02-28 | 0.051840 | 0.839505 |
| 1995-11-29 | 0.048791 | 0.888895 |
| 1995-08-30 | 0.045741 | 0.875908 |
| 1995-05-25 | 0.042692 | 0.918978 |
| 1995-02-23 | 0.039642 | 0.838701 |
| 1994-11-25 | 0.036593 | 0.853334 |
| 1994-10-05 | 0.013722 | 0.285707 |
| 1994-08-26 | 0.033544 | 0.637689 |
| 1994-05-25 | 0.024395 | 0.542366 |
| 1994-02-23 | 0.021346 | 0.583336 |
| 1993-11-24 | 0.018296 | 0.470576 |
| 1993-09-07 | 0.015247 | 0.425530 |
| 1992-11-09 | 0.028969 | 1.151498 |
| 1991-08-09 | 0.029579 | 1.583656 |
| 1991-05-01 | 0.030494 | 0.909086 |
| 1991-02-01 | 0.054889 | 1.756083 |
| 1990-11-01 | 0.054889 | 1.799985 |
| 1990-07-26 | 0.054889 | 1.439988 |
| 1990-04-17 | 0.051840 | 1.096773 |
| 1990-01-18 | 0.051840 | 1.007406 |
| 1989-10-18 | 0.048791 | 0.901415 |
| 1989-07-18 | 0.048791 | 0.901415 |
| 1989-04-18 | 0.048791 | 0.984623 |
| 1989-01-18 | 0.048791 | 0.941183 |
| 1988-10-18 | 0.048791 | 0.941183 |
| 1988-07-18 | 0.042692 | 0.861542 |
| 1988-04-18 | 0.042692 | 0.800004 |
| 1988-01-14 | 0.042692 | 0.848489 |
| 1987-10-19 | 0.042692 | 0.767127 |
| 1987-07-17 | 0.041167 | 0.734692 |
| 1987-04-16 | 0.041167 | 0.765956 |
| 1987-01-16 | 0.041167 | 0.760561 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.40780413 |
| Address1 | 250 Glen Street |
| All Time High | 42.7 |
| All Time Low | 1.036801 |
| Ask | 47.09 |
| Ask Size | 2 |
| Audit Risk | 8 |
| Average Analyst Rating | 2.5 - Buy |
| Average Daily Volume10 Day | 62,570 |
| Average Daily Volume3 Month | 86,778 |
| Average Volume | 86,778 |
| Average Volume10Days | 62,570 |
| Beta | 0.735 |
| Bid | 26.53 |
| Bid Size | 2 |
| Board Risk | 7 |
| Book Value | 26.975 |
| City | Glens Falls |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 6 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 37.165 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 37.165 |
| Day Low | 36.9 |
| Display Name | Arrow Financial |
| Dividend Date | 1,787,616,000 |
| Dividend Yield | 3.26 |
| Earnings Growth | 0.015 |
| Earnings Quarterly Growth | 0.015 |
| Earnings Timestamp | 1,784,809,800 |
| Earnings Timestamp End | 1,793,277,000 |
| Earnings Timestamp Start | 1,793,277,000 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 4.839 |
| Enterprise Value | 823,430,016 |
| Eps Current Year | 3.5125 |
| Eps Forward | 4.3075 |
| Eps Trailing Twelve Months | 3.1 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,786,406,400 |
| Exchange | NMS |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 38.0884 |
| Fifty Day Average Change | -0.9234009 |
| Fifty Day Average Change Percent | -0.024243623 |
| Fifty Two Week Change Percent | 40.780415 |
| Fifty Two Week High | 42.7 |
| Fifty Two Week High Change | -5.535 |
| Fifty Two Week High Change Percent | -0.12962529 |
| Fifty Two Week Low | 26.05 |
| Fifty Two Week Low Change | 11.115002 |
| Fifty Two Week Low Change Percent | 0.42667955 |
| Fifty Two Week Range | 26.05 - 42.7 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 338,131,800,000 |
| Five Year Avg Dividend Yield | 3.68 |
| Float Shares | 16,180,843 |
| Forward Eps | 4.3075 |
| Forward P E | 8.6279745 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 575 |
| Fullday Change | 0.36500168 |
| Fullday Change Percent | 0.99360746 |
| Fullday Price | 37.165 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.0 |
| Gross Profits | 170,167,008 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.029579999 |
| Held Percent Institutions | 0.54251 |
| Implied Shares Outstanding | 18,523,723 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,786,406,400 |
| Last Dividend Value | 0.3 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,663,286,400 |
| Last Split Factor | 103:100 |
| Long Business 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. |
| Long Name | Arrow Financial Corporation |
| Market | us_market |
| Market Cap | 688,434,240 |
| Market State | REGULAR |
| Max Age | 86,400 |
| Message Board Id | finmb_251652 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 51,143,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 684,081,090 |
| Number Of Analyst Opinions | 4 |
| Open | 36.9 |
| Operating Cashflow | 51,970,000 |
| Operating Margins | 0.34664002 |
| Overall Risk | 7 |
| Payout Ratio | 0.3806 |
| Peg Ratio | 2.84 |
| Phone | 518 745 1000 |
| Previous Close | 36.8 |
| Price Eps Current Year | 10.580783 |
| Price Hint | 2 |
| Price To Book | 1.3777572 |
| Price To Sales Trailing12 Months | 4.0456386 |
| Profit Margins | 0.30138 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.5 |
| Region | US |
| Regular Market Change | 0.36500168 |
| Regular Market Change Percent | 0.99360746 |
| Regular Market Day High | 37.165 |
| Regular Market Day Low | 36.9 |
| Regular Market Day Range | 36.9 - 37.165 |
| Regular Market Open | 36.9 |
| Regular Market Previous Close | 36.8 |
| Regular Market Price | 37.165 |
| Regular Market Time | 1,792,157,736 |
| Regular Market Volume | 5,642 |
| Return On Assets | 0.01153 |
| Return On Equity | 0.11999 |
| Revenue Growth | 0.046 |
| Revenue Per Share | 10.375 |
| Sand P52 Week Change | 0.16207206 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 9 |
| Shares Outstanding | 18,523,723 |
| Shares Percent Shares Out | 0.0358 |
| Shares Short | 663,797 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 544,771 |
| Short Name | Arrow Financial Corporation |
| Short Percent Of Float | 0.0366 |
| Short Ratio | 7.63 |
| Source Interval | 15 |
| State | NY |
| Symbol | AROW |
| Target High Price | 46.0 |
| Target Low Price | 42.0 |
| Target Mean Price | 43.5 |
| Target Median Price | 43.0 |
| Total Cash | 196,812,992 |
| Total Cash Per Share | 10.625 |
| Total Debt | 338,569,984 |
| Total Revenue | 170,167,008 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.18 |
| Trailing Annual Dividend Yield | 0.032065216 |
| Trailing Eps | 3.1 |
| Trailing P E | 11.98871 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 36.6156 |
| Two Hundred Day Average Change | 0.5494003 |
| Two Hundred Day Average Change Percent | 0.015004543 |
| Type Disp | Equity |
| Volume | 5,642 |
| Website | https://www.arrowfinancial.com |
| Zip | 12,801 |