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Arrow Financial Corporation (AROW)

Financial Services | Banks - Regional | Glens Falls, United States | NasdaqGS
40.92 USD +0.32 (0.788%) ⇧ (July 13, 2026, 4 p.m. EDT)
Short-term:★★★☆☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take ↕ | July 11, 2026, 5:53 a.m. EDT

The recent acquisition of Adirondack Bancorp marks a pivotal strategic shift for this regional bank, driving strong top-line growth of nearly 30% and expanding earnings per share by over 100%. Fundamentally, the company is trading at an attractive valuation with a forward P/E under 10 and a robust return on equity exceeding 12%, supported by a fortress balance sheet where debt is minimal relative to cash reserves. While the stock has recently corrected slightly from its highs, the underlying business quality remains solid, justifying a 'slightly positive lean' for long-term holders. However, the short-term outlook is clouded by defensive options positioning and a weak statistical forecast, which suggests the market is currently pricing in near-term volatility or sector-wide headwinds rather than immediate upside. The dividend yield is healthy and sustainable given the low payout ratio, providing a nice floor for investors waiting for the post-merger integration to fully mature.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.041917
MSTL_1260.042365
AutoETS0.043041
AutoARIMA0.043041
AutoTheta0.043045
MSTL_900.046962
MSTL_90_1260.069520

Forecast horizon: 60 days | Selected: MSTL

Forecast Reliability
Score 39%
H-stat 54.63
Ljung-Box p 0.000
Jarque-Bera p 0.034
Excess Kurtosis -0.75
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-11
Last Dividend Date 2026-05-11
Revenue per Share 10.246
Market Cap 676,367,424
Trailing P/E 13.16
Forward P/E 9.44
Beta 0.74
Profit Margins 30.37%
Website https://www.arrowfinancial.com

As of July 11, 2026, 5:53 a.m. EDT: Speculators are positioning defensively with significant out-of-the-money put volume at the $30 strike for September expiration, suggesting a fear of a downside gap or weakness in the near term. Conversely, call activity is sparse and concentrated at-the-money, indicating a lack of aggressive bullish conviction despite the recent price recovery.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.84% 3.70% 4.21% 3.94%
Dividend History
Date Dividend Yield %
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
Additional Data
dividendRate 1.2
dividendYield 2.95
exDividendDate 2026-05-12
trailingAnnualDividendRate 1.16
trailingAnnualDividendYield 0.028571429
lastDividendValue 0.3
lastDividendDate 2026-05-12
dividendDate 2026-05-26

Info Dump

Attribute Value
52 Week Change 0.46994936
Address1 250 Glen Street
All Time High 42.44
All Time Low 1.036801
Ask 51.96
Ask Size 2
Audit Risk 8
Average Analyst Rating 2.7 - Hold
Average Daily Volume10 Day 120,700
Average Daily Volume3 Month 89,309
Average Volume 89,309
Average Volume10Days 120,700
Beta 0.741
Bid 29.38
Bid Size 2
Board Risk 7
Book Value 26.632
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 40.92
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 41.09
Day Low 40.54
Display Name Arrow Financial
Dividend Date 1,779,753,600
Dividend Rate 1.2
Dividend Yield 2.95
Earnings Growth 1.167
Earnings Quarterly Growth 1.137
Earnings Timestamp 1,777,552,200
Earnings Timestamp End 1,784,809,800
Earnings Timestamp Start 1,784,809,800
Ebitda Margins 0.0
Enterprise To Revenue 2.524
Enterprise Value 424,874,464
Eps Current Year 3.73333
Eps Forward 4.33333
Eps Trailing Twelve Months 3.11
Esg Populated 0
Ex Dividend Date 1,778,544,000
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 38.0408
Fifty Day Average Change 2.8792
Fifty Day Average Change Percent 0.07568716
Fifty Two Week Change Percent 46.994938
Fifty Two Week High 42.44
Fifty Two Week High Change -1.5200005
Fifty Two Week High Change Percent -0.03581528
Fifty Two Week Low 25.84
Fifty Two Week Low Change 15.079998
Fifty Two Week Low Change Percent 0.5835912
Fifty Two Week Range 25.84 - 42.44
Financial Currency USD
First Trade Date Milliseconds 338,131,800,000
Five Year Avg Dividend Yield 3.81
Float Shares 14,174,460
Forward Eps 4.33333
Forward P E 9.443084
Full Exchange Name NasdaqGS
Full Time Employees 575
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 168,355,008
Has Pre Post Market Data 1
Held Percent Insiders 0.028369999
Held Percent Institutions 0.50756
Implied Shares Outstanding 16,529,019
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,778,544,000
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 676,367,424
Market State PRE
Max Age 86,400
Message Board Id finmb_251652
Most Recent Quarter 1,774,915,200
Net Income To Common 50,917,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 672,235,202
Number Of Analyst Opinions 3
Open 40.54
Operating Cashflow 46,453,000
Operating Margins 0.40556
Overall Risk 7
Payout Ratio 0.3754
Peg Ratio 2.84
Phone 518 745 1000
Previous Close 40.6
Price Eps Current Year 10.960724
Price Hint 2
Price To Book 1.5364974
Price To Sales Trailing12 Months 4.017507
Profit Margins 0.30369
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 2.66667
Region US
Regular Market Change 0.32
Regular Market Change Percent 0.788177
Regular Market Day High 41.09
Regular Market Day Low 40.54
Regular Market Day Range 40.54 - 41.09
Regular Market Open 40.54
Regular Market Previous Close 40.6
Regular Market Price 40.92
Regular Market Time 1,783,972,801
Regular Market Volume 62,592
Return On Assets 0.0114
Return On Equity 0.121079996
Revenue Growth 0.294
Revenue Per Share 10.246
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 16,529,019
Shares Percent Shares Out 0.0256
Shares Short 423,362
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 275,010
Short Name Arrow Financial Corporation
Short Percent Of Float 0.026199998
Short Ratio 3.83
Source Interval 15
State NY
Symbol AROW
Target High Price 43.0
Target Low Price 38.0
Target Mean Price 41.0
Target Median Price 42.0
Total Cash 288,947,008
Total Cash Per Share 17.481
Total Debt 37,454,000
Total Revenue 168,355,008
Tradeable 0
Trailing Annual Dividend Rate 1.16
Trailing Annual Dividend Yield 0.028571429
Trailing Eps 3.11
Trailing P E 13.157557
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 33.45065
Two Hundred Day Average Change 7.469349
Two Hundred Day Average Change Percent 0.22329459
Type Disp Equity
Volume 62,592
Website https://www.arrowfinancial.com
Zip 12,801