AROW
NEUTRAL
$32.48
Live
Arrow Financial Corporation · NASDAQ
Target $35.5
(+9.3%)
$22.72
52W Range
$36.44
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Mar 14, 2026
Market cap
$534.14M
P/E
12.26
ROE
10.6%
Profit margin
27.8%
Debt/Equity
N/A
Dividend yield
3.69%
AI Analysis
AI-powered fundamental assessment
Confidence
78%
AROW's Piotroski F-Score of 3/9 indicates weak financial health, signaling potential distress in operational efficiency and capital structure. The absence of an Altman Z-Score raises concern about bankruptcy risk, especially given the lack of available debt and liquidity metrics. Despite strong profitability (27.76% margin) and explosive earnings growth (216.5% YoY), the stock trades at a premium to its Graham Number ($39.57) and intrinsic value ($78.17), suggesting overvaluation relative to conservative valuation models. The technical trend is bearish, and insider activity is neutral, with no recent trades. Analyst consensus is a hold, reflecting cautious sentiment.
Key Strengths
Exceptional profit margin of 27.76% and high operating margin of 40.70%
Impressive earnings growth of 216.5% YoY and 213.5% Q/Q
Strong historical earnings beat rate (3 out of last 4 quarters) with average surprise of 11.81%
Attractive dividend yield of 3.69% with a sustainable payout ratio of 43.02%
Significant revenue growth of 37.00% YoY, outpacing sector average
Key Risks
Piotroski F-Score of 3/9 indicates weak financial health and operational instability
No Altman Z-Score available, raising unquantified bankruptcy risk
Stock trades below intrinsic value ($78.17) but above Graham Number ($39.57), suggesting overvaluation relative to conservative benchmarks
Technical trend is bearish (0/100), with recent 1-month decline of 7.1%
Lack of transparency in financial health metrics (Debt/Equity, Current Ratio, Cash, Debt) limits risk assessment
AI Fair Value Estimate
Based on comprehensive analysis
$55.0
+69.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
59
Moderate
52
82
65
30
68
AI Verdict
neutral
Key drivers: High earnings and revenue growth, Weak Piotroski F-Score, Absence of Altman Z-Score, Bearish technical trend, Dividend yield above average
Confidence
75%
Value
52/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 12.26 is below sector average of 30.37
- Forward P/E of 7.50 suggests strong future earnings expectations
- Graham Number of $39.57 provides a conservative floor
Watchpoints
- Current price of $32.48 is below intrinsic value ($78.17), but this may reflect over-optimism in growth assumptions
- Stock trades at 1.24x Price/Book, indicating modest asset coverage
- No PEG ratio available, limiting growth-adjusted valuation
Future
82/100
Ref Growth rates
Positives
- 216.5% YoY earnings growth and 37% revenue growth indicate strong momentum
- Q/Q earnings growth of 213.5% shows accelerating performance
- Recent quarters have consistently beaten estimates (3/4 in last 4)
Watchpoints
- Forward P/E of 7.50 may be unsustainable if growth decelerates
- No guidance or forward metrics beyond 2026-04-30
- High growth may be cyclical or one-time in nature
Past
65/100
Ref Historical trends
Positives
- Consistent earnings beat history over 25 quarters
- Average earnings surprise of 11.81% in last 4 quarters
- Positive 5-year return (14.4%) and 3-year return (38.0%)
Watchpoints
- Significant earnings misses in 2023 and 2024 (e.g., -19.7% in 2025-01-30)
- Volatility in quarterly results with multiple negative surprises
- Recent 1-month decline of 7.1% suggests profit-taking or sentiment shift
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- High profit margin and operating margin indicate strong operational efficiency
- Positive ROE of 10.56% and ROA of 1.00% suggest some return on capital
Watchpoints
- Piotroski F-Score of 3/9 is in the 'weak' range, indicating poor financial health
- No Altman Z-Score available, which is a critical red flag for distress risk
- Missing key financial health metrics (Debt/Equity, Current Ratio, Cash, Debt)
Dividend
68/100
Ref Yield, Payout
Positives
- Dividend yield of 3.69% is attractive for a financial stock
- Payout ratio of 43.02% is sustainable and below 60% threshold
- Consistent dividend payments with no recent cuts
Watchpoints
- No 5-year average yield available, limiting long-term trend analysis
- Dividend rate of $1.20 may be vulnerable if earnings growth slows
- No ex-dividend date provided, reducing transparency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$32.48
Analyst Target
$35.5
Upside/Downside
+9.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AROW and closest competitors.
Updated 2026-03-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AROW
Arrow Financial Corporation
Primary
|
+14.4% | +38.0% | +30.5% | +14.0% | -7.1% | -2.9% |
|
HQL
Abrdn Life Sciences Investors
Peer
|
+46.2% | +81.4% | +59.5% | +7.8% | +9.4% | -2.3% |
|
BLW
BlackRock Limited Duration Income Trust
Peer
|
+34.9% | +35.5% | +6.4% | +2.4% | +0.9% | +0.6% |
|
SFST
Southern First Bancshares, Inc.
Peer
|
+13.7% | +96.9% | +68.4% | +33.2% | +6.2% | -3.7% |
|
BGB
Blackstone Strategic Credit 2027 Term Fund
Peer
|
+38.8% | +43.3% | +5.0% | -0.5% | +2.1% | -0.1% |
ARO
Arrow Financial Corporation
Primary
5Y
+14.4%
3Y
+38.0%
1Y
+30.5%
6M
+14.0%
1M
-7.1%
1W
-2.9%
HQL
Abrdn Life Sciences Investors
Peer
5Y
+46.2%
3Y
+81.4%
1Y
+59.5%
6M
+7.8%
1M
+9.4%
1W
-2.3%
BLW
BlackRock Limited Duration Income Trust
Peer
5Y
+34.9%
3Y
+35.5%
1Y
+6.4%
6M
+2.4%
1M
+0.9%
1W
+0.6%
SFS
Southern First Bancshares, Inc.
Peer
5Y
+13.7%
3Y
+96.9%
1Y
+68.4%
6M
+33.2%
1M
+6.2%
1W
-3.7%
BGB
Blackstone Strategic Credit 2027 Term Fund
Peer
5Y
+38.8%
3Y
+43.3%
1Y
+5.0%
6M
-0.5%
1M
+2.1%
1W
-0.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.26
Forward P/E
7.5
PEG Ratio
N/A
P/B Ratio
1.24
P/S Ratio
3.37
EV/Revenue
2.22
EV/EBITDA
N/A
Market Cap
$534.14M
Profitability
Profit margins and return metrics
Profit Margin
27.76%
Operating Margin
40.7%
Gross Margin
N/A
ROE
10.56%
ROA
1.0%
Growth
Revenue and earnings growth rates
Revenue Growth
+37.0%
Earnings Growth
+216.5%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+213.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$13.45
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-30
$N/A
2026-01-29
$0.85
+6.2% surprise
2025-10-30
$0.81
+12.5% surprise
2025-07-24
$0.7
+16.7% surprise
Financial Services Sector Comparison
Comparing AROW against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
12.26
This Stock
vs
36.01
Sector Avg
-66.0%
(Discount)
Return on Equity (ROE)
10.56%
This Stock
vs
-0.73%
Sector Avg
-1540.6%
(Below Avg)
Profit Margin
27.76%
This Stock
vs
91.62%
Sector Avg
-69.7%
(Weaker)
Revenue Growth
37.0%
This Stock
vs
35.27%
Sector Avg
+4.9%
(Growing)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AROW
Arrow Financial Corporation
|
NEUTRAL | $534.14M | 12.26 | 10.6% | 27.8% | $32.48 | |
|
HQL
Abrdn Life Sciences Investors
|
BULLISH | $533.97M | 6.29 | 17.6% | 4415.7% | $17.56 | Compare |
|
BLW
BlackRock Limited Duration...
|
BEARISH | $533.36M | 9.91 | 9.9% | 81.9% | $13.77 | Compare |
|
SFST
Southern First Bancshares, Inc.
|
NEUTRAL | $535.92M | 13.31 | 9.8% | 28.7% | $56.68 | Compare |
|
BGB
Blackstone Strategic...
|
BEARISH | $531.51M | 11.55 | -% | -% | $11.9 | Compare |
AROW
Arrow Financial...
NEUTRAL
Mkt Cap
$534M
P/E
12.3
ROE
10.6%
Price
$32.48
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-28 | WISE ANDREW J | Officer | Stock Award | 4,058 | $131,601 |
| 2026-01-28 | CHAMPION GREGORY J | Director | Stock Award | 818 | $26,528 |
| 2026-01-28 | JACOBS MICHAEL JOSEPH | Chief Technology Officer | Stock Award | 2,406 | $78,027 |
| 2026-01-28 | YRSHA MARC | Officer | Stock Award | 4,058 | $131,601 |
| 2026-01-28 | PANCOE BROOKE M | Officer | Stock Award | 2,406 | $78,027 |
| 2026-01-28 | DAWSEY JAMES M | Director | Stock Award | 818 | $26,528 |
| 2026-01-28 | DUFFY KRISTINE D | Director | Stock Award | 818 | $26,528 |
| 2026-01-28 | MORRIS PHILIP C | Director | Stock Award | 818 | $26,528 |
| 2026-01-28 | WHITE DANIEL JAMES | Director | Stock Award | 818 | $26,528 |
| 2026-01-28 | JAHNEL DARRIN | Director | Stock Award | 69 | $2,238 |
| 2026-01-28 | KRUCZLNICKI DAVID G | Director | Stock Award | 818 | $26,528 |
| 2026-01-28 | READ COLIN L | Director | Stock Award | 818 | $26,528 |
| 2026-01-28 | DEMARCO DAVID S | Chief Executive Officer | Stock Award | 34,982 | $1,134,466 |
| 2026-01-28 | O CONOR RAYMOND F | Director | Stock Award | 818 | $26,528 |
| 2026-01-28 | IVANOV PENKO KRASSIMIR | Chief Financial Officer | Stock Award | 4,558 | $147,816 |
WISE ANDREW J
Officer
2026-01-28
4,058 shares
·
$131,601
CHAMPION GREGORY J
Director
2026-01-28
818 shares
·
$26,528
JACOBS MICHAEL JOSEPH
Chief Technology Officer
2026-01-28
2,406 shares
·
$78,027
YRSHA MARC
Officer
2026-01-28
4,058 shares
·
$131,601
PANCOE BROOKE M
Officer
2026-01-28
2,406 shares
·
$78,027
DAWSEY JAMES M
Director
2026-01-28
818 shares
·
$26,528
DUFFY KRISTINE D
Director
2026-01-28
818 shares
·
$26,528
MORRIS PHILIP C
Director
2026-01-28
818 shares
·
$26,528
WHITE DANIEL JAMES
Director
2026-01-28
818 shares
·
$26,528
JAHNEL DARRIN
Director
2026-01-28
69 shares
·
$2,238
KRUCZLNICKI DAVID G
Director
2026-01-28
818 shares
·
$26,528
READ COLIN L
Director
2026-01-28
818 shares
·
$26,528
DEMARCO DAVID S
Chief Executive Officer
2026-01-28
34,982 shares
·
$1,134,466
O CONOR RAYMOND F
Director
2026-01-28
818 shares
·
$26,528
IVANOV PENKO KRASSIMIR
Chief Financial Officer
2026-01-28
4,558 shares
·
$147,816
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning AROW from our newsroom.
Newest → oldest
No matching news yet.