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Upturn AI SWOT - About
AROW 
Arrow Financial Corporation (AROW)
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Upturn Advisory Summary
08/28/2025: AROW (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $28.5
1 Year Target Price $28.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 60.56% | Avg. Invested days 65 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 490.45M USD | Price to earnings Ratio 16.27 | 1Y Target Price 28.5 |
Price to earnings Ratio 16.27 | 1Y Target Price 28.5 | ||
Volume (30-day avg) 2 | Beta 0.81 | 52 Weeks Range 22.24 - 33.55 | Updated Date 08/28/2025 |
52 Weeks Range 22.24 - 33.55 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.77% | Basic EPS (TTM) 1.83 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.76% | Operating Margin (TTM) 36.78% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 7.72% |
Valuation
Trailing PE 16.27 | Forward PE - | Enterprise Value 265212592 | Price to Sales(TTM) 3.49 |
Enterprise Value 265212592 | Price to Sales(TTM) 3.49 | ||
Enterprise Value to Revenue 3.5 | Enterprise Value to EBITDA - | Shares Outstanding 16469000 | Shares Floating 14065536 |
Shares Outstanding 16469000 | Shares Floating 14065536 | ||
Percent Insiders 2.55 | Percent Institutions 52.65 |
Upturn AI SWOT
Arrow Financial Corporation
Company Overview
History and Background
Arrow Financial Corporation was founded in 1851 as The First National Bank of Glens Falls. Over time, it evolved through mergers and acquisitions, becoming a multi-bank holding company focused on community banking and financial services in Northeastern New York.
Core Business Areas
- Community Banking: Provides traditional banking services including checking and savings accounts, loans, and mortgages to individuals and businesses.
- Wealth Management: Offers investment management, trust, and financial planning services through its subsidiary, Northville Industries Corp d/b/a Upstate National Insurance Agency.
- Insurance Services: Offers insurance products and services to individuals and businesses through its subsidiary.
Leadership and Structure
Thomas J. Murphy is the President and CEO. The company operates with a traditional hierarchical structure, with various departments reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available at a granular level. Competitors include larger regional and national banks.
- Residential Mortgages: Mortgages for the purchase or refinance of residential properties. Market share data is not publicly available at a granular level. Competitors include national mortgage lenders and other regional banks.
- Wealth Management Services: Investment management, financial planning, and trust services for individuals and families. Market share data is not publicly available at a granular level. Competitors include national brokerage firms and RIAs.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and evolving customer expectations for digital services. Consolidation continues within the industry.
Positioning
Arrow Financial Corporation is positioned as a community-focused bank providing personalized service in its local markets. Its competitive advantage lies in its local knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for community banking and wealth management in Northeastern New York is estimated to be in the billions. Arrow Financial Corporation holds a small but significant portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Good asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking model
- Higher operating costs due to small scale
Opportunities
- Expansion into adjacent markets
- Increased digital banking adoption
- Growing wealth management demand
- Acquisition of smaller banks
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- NBT Bancorp (NBTB)
- Community Bank System (CBU)
- KeyCorp (KEY)
Competitive Landscape
Arrow Financial Corporation competes with larger regional and national banks, as well as credit unions and other financial institutions. Its competitive advantage lies in its local focus and personalized service.
Major Acquisitions
Glens Falls National Bank
- Year: 2013
- Acquisition Price (USD millions): 3.1
- Strategic Rationale: Expanded market presence in the Glens Falls area.
Growth Trajectory and Initiatives
Historical Growth: Arrow Financial Corporation has experienced steady growth in assets, loans, and deposits over the past decade, primarily through organic growth and strategic acquisitions.
Future Projections: Analysts project continued moderate growth in revenue and earnings, driven by loan growth and wealth management expansion. EPS is expected to grow at an annual rate of 5-7%.
Recent Initiatives: The company has invested in digital banking platforms to enhance customer experience and expand its reach. It has also focused on growing its wealth management business.
Summary
Arrow Financial Corporation is a community-focused bank with a strong local presence and a history of consistent performance. It benefits from established customer relationships and a solid balance sheet. However, it faces challenges from larger competitors and the evolving banking landscape. Future success depends on its ability to adapt to digital transformation and expand into new markets while maintaining its commitment to local communities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Analyst Reports
- Market Data Providers
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor. Market share estimates may not be exact.
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 550 | Website https://www.arrowfinancial.com |
Full time employees 550 | 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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