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Upturn AI SWOT - About
AROW 
Arrow Financial Corporation (AROW)
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Upturn Advisory Summary
12/03/2025: 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 51.71% | Avg. Invested days 61 | 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 12/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 495.72M USD | Price to earnings Ratio 14.61 | 1Y Target Price 33.5 |
Price to earnings Ratio 14.61 | 1Y Target Price 33.5 | ||
Volume (30-day avg) 2 | Beta 0.81 | 52 Weeks Range 22.03 - 31.50 | Updated Date 12/2/2025 |
52 Weeks Range 22.03 - 31.50 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 3.75% | Basic EPS (TTM) 2.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 14.61 | Forward PE - | Enterprise Value 131166832 | Price to Sales(TTM) 3.38 |
Enterprise Value 131166832 | Price to Sales(TTM) 3.38 | ||
Enterprise Value to Revenue 3.36 | Enterprise Value to EBITDA - | Shares Outstanding 16442453 | Shares Floating 14044815 |
Shares Outstanding 16442453 | Shares Floating 14044815 | ||
Percent Insiders 2.7 | Percent Institutions 52.47 |
Upturn AI SWOT
Arrow Financial Corporation
Company Overview
History and Background
Arrow Financial Corporation was founded in 1851. It began as a single bank and has expanded through organic growth and acquisitions to become a multi-bank holding company serving northeastern New York.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, deposits, and cash management.
- Retail Banking: Offers various retail banking products and services, such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and financial advisory services to individuals and businesses.
- Insurance: Offers insurance solutions. The offerings includes property, casualty, life and health insurance to both businesses and individuals
Leadership and Structure
Arrow Financial Corporation is led by its CEO and executive management team. The organizational structure includes various departments and divisions responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses; market share data is not publicly available. Competitors include larger national and regional banks.
- Residential Mortgages: Offer mortgage products for home purchases and refinancing; market share data is not publicly available. Competitors include large mortgage lenders and other regional banks.
- Deposit Accounts: Offer checking, savings, and money market accounts; market share data is not publicly available. Competitors include larger national and regional banks, and credit unions.
- Wealth Management: Financial planning and investment advice for individuals and businesses. Market share data for Arrow Financial Corporation is not readily available. Competitors include national wealth management firms and independent advisors.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate fluctuations, regulatory changes, and increasing competition from fintech companies.
Positioning
Arrow Financial Corporation is a community-focused bank serving northeastern New York. Its competitive advantages include strong local relationships and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in northeastern New York is estimated to be in the billions of dollars. Arrow Financial Corporation is positioned to capture a portion of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Customer loyalty
- Diversified product offerings
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Technology infrastructure requires upgrades
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Acquisition of smaller community banks
Threats
- Competition from larger national banks
- Economic downturn in northeastern New York
- Increasing regulatory burden
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
- USB
Competitive Landscape
Arrow Financial Corporation competes with larger national banks and other community banks. Its advantages include local market knowledge and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Arrow Financial Corporation has grown through organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on factors such as interest rates, economic conditions, and competitive landscape. Analyst estimates require collection from financial data provider.
Recent Initiatives: Recent strategic initiatives may include branch expansions, technology upgrades, and new product launches. Update with verified information.
Summary
Arrow Financial Corporation is a community-focused bank with a strong presence in northeastern New York. Its strengths include customer loyalty and experienced management. Challenges include limited geographic reach and competition from larger banks. Future growth depends on factors such as economic conditions and strategic initiatives.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on available information and may not be precise.
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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