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Upturn AI SWOT - About
AROW 
Arrow Financial Corporation (AROW)
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Upturn Advisory Summary
11/05/2025: AROW (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $33.5
1 Year Target Price $33.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 49.34% | Avg. Invested days 57 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 509.40M USD | Price to earnings Ratio 15.04 | 1Y Target Price 33.5 |
Price to earnings Ratio 15.04 | 1Y Target Price 33.5 | ||
Volume (30-day avg) 2 | Beta 0.81 | 52 Weeks Range 22.24 - 33.55 | Updated Date 11/6/2025 |
52 Weeks Range 22.24 - 33.55 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 3.74% | Basic EPS (TTM) 2.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-30 | When Before Market | Estimate 0.72 | Actual 0.81 |
Profitability
Profit Margin 23.44% | Operating Margin (TTM) 41% |
Management Effectiveness
Return on Assets (TTM) 0.77% | Return on Equity (TTM) 8.49% |
Valuation
Trailing PE 15.04 | Forward PE - | Enterprise Value 141160176 | Price to Sales(TTM) 3.47 |
Enterprise Value 141160176 | Price to Sales(TTM) 3.47 | ||
Enterprise Value to Revenue 3.25 | Enterprise Value to EBITDA - | Shares Outstanding 16437695 | Shares Floating 14043380 |
Shares Outstanding 16437695 | Shares Floating 14043380 | ||
Percent Insiders 2.68 | Percent Institutions 52.61 |
Upturn AI SWOT
Arrow Financial Corporation
Company Overview
History and Background
Arrow Financial Corporation was founded in 1983 as a holding company for Glens Falls National Bank and Trust Company. It has since grown through acquisitions and organic expansion to become a community-focused financial institution in northeastern New York.
Core Business Areas
- Community Banking: Provides traditional banking services including checking and savings accounts, loans, and other financial products to individuals and small to medium-sized businesses.
- Wealth Management: Offers wealth management and financial advisory services to individuals, families, and businesses.
- Insurance Services: Provides insurance products and services through its insurance agency subsidiaries.
Leadership and Structure
Thomas J. Murphy is the President and CEO. The company operates with a traditional hierarchical structure with executive leadership overseeing various departments and subsidiaries.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, including expansion and working capital. Market share data is difficult to obtain precisely at the regional level, but Arrow competes with larger national and regional banks. Competitors include KeyCorp (KEY), M&T Bank (MTB), and local credit unions.
- Residential Mortgages: Mortgage loans for residential properties. Arrow competes with a variety of lenders, including national banks, regional banks, and mortgage brokers. Market share is regional and varies. Competitors include JPMorgan Chase (JPM) and Wells Fargo (WFC) within the residential mortgage space. Data from the MBA estimates that independent mortgage banks constitute 67% of the mortgage space.
- Wealth Management Services: Investment advisory, financial planning, and trust services. Competitors include large brokerage firms and independent RIAs. Market share is regional and varies. Competitors include Charles Schwab (SCHW) and Fidelity.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Arrow Financial Corporation is a community bank focused on providing personalized service and local expertise, differentiating itself from larger national banks.
Total Addressable Market (TAM)
The TAM for community banking in the regions Arrow serves is estimated to be several billion dollars. Arrow's positioning focuses on capturing market share through customer relationships and localized services.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Customer-centric approach
- Solid capital base
Weaknesses
- Limited geographic footprint
- Smaller scale compared to national banks
- Reliance on traditional banking services
- Limited innovation in fintech
Opportunities
- Expanding into new markets within its region
- Developing new digital banking services
- Acquiring smaller community banks
- Growing wealth management business
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- KEY
- MTB
- CMA
Competitive Landscape
Arrow Financial competes with national and regional banks, focusing on community banking through relationship based strategies.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends need to be updated with current information.
Future Projections: Future growth projections need to be updated with current information.
Recent Initiatives: Recent strategic initiatives need to be updated with current information.
Summary
Arrow Financial Corporation is a community-focused bank with a strong local presence, but faces challenges from larger competitors and the evolving financial landscape. Its strength lies in its customer relationships and local expertise, while its weaknesses include limited geographic reach and smaller scale. To succeed, Arrow must focus on digital innovation and strategic expansion.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
- Market Research Reports (where available)
Disclaimers:
This analysis is based on publicly available information and limited market data. The information is not financial advice and should not be considered a recommendation to buy or sell Arrow Financial Corporation stock. Market share percentages are approximated. Financial data is not current. Please consult a financial professional for personalized advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Arrow Financial Corporation
Exchange NASDAQ | Headquaters Glens Falls, NY, United States | ||
IPO Launch date 1984-09-07 | CEO, President & Director Mr. David S. DeMarco | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 600 | Website https://www.arrowfinancial.com |
Full time employees 600 | Website https://www.arrowfinancial.com | ||
Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the Unites 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; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.
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