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AROW 
Arrow Financial Corporation (AROW)
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Upturn Advisory Summary
12/05/2025: 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 48.74% | Avg. Invested days 61 | 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 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 503.46M USD | Price to earnings Ratio 14.84 | 1Y Target Price 33.5 |
Price to earnings Ratio 14.84 | 1Y Target Price 33.5 | ||
Volume (30-day avg) 2 | Beta 0.8 | 52 Weeks Range 22.03 - 31.49 | Updated Date 12/7/2025 |
52 Weeks Range 22.03 - 31.49 | Updated Date 12/7/2025 | ||
Dividends yield (FY) 3.65% | 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 14.84 | Forward PE - | Enterprise Value 138894784 | Price to Sales(TTM) 3.43 |
Enterprise Value 138894784 | Price to Sales(TTM) 3.43 | ||
Enterprise Value to Revenue 3.47 | 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, founded in 1851, began as the Glens Falls Insurance Company. It has evolved significantly over its long history, expanding its financial services offerings and undergoing name changes to reflect its broader scope. A key milestone was its transition to a financial holding company structure, allowing for diversification and strategic acquisitions.
Core Business Areas
- Insurance Operations: Provides a wide range of insurance products, including property and casualty, life, and annuity products, through its subsidiaries. Focuses on both personal and commercial lines.
- Investment and Asset Management: Offers investment advisory services, mutual funds, and asset management solutions to individuals and institutions.
- Banking and Lending: Through its subsidiary banks, it provides traditional banking services such as deposit accounts, commercial loans, consumer loans, and mortgage lending.
Leadership and Structure
Arrow Financial Corporation operates as a holding company with several subsidiary companies, each specializing in different financial services. The leadership team consists of a Board of Directors and executive officers overseeing the strategic direction and operations of the group.
Top Products and Market Share
Key Offerings
- Property and Casualty Insurance: Offers comprehensive insurance coverage for homes, automobiles, businesses, and other assets. Market share data is not readily available at a granular product level, but competitors include major insurance carriers like State Farm, Allstate, and GEICO for personal lines, and Chubb, The Hartford for commercial lines.
- Life Insurance and Annuities: Provides life insurance policies and annuity products for wealth accumulation and retirement planning. Competitors include Prudential Financial, MetLife, and Northwestern Mutual.
- Investment Advisory Services: Offers personalized investment strategies and portfolio management. Competitors include Vanguard, Fidelity, and Charles Schwab.
Market Dynamics
Industry Overview
The financial services industry, encompassing insurance and investment management, is highly competitive and subject to stringent regulations. It is characterized by evolving customer demands for digital services, a focus on cybersecurity, and the impact of economic cycles and interest rate fluctuations.
Positioning
Arrow Financial Corporation positions itself as a diversified financial services provider with a long-standing reputation and a focus on customer relationships. Its competitive advantage lies in its integrated offerings across insurance, investments, and banking, allowing for cross-selling opportunities.
Total Addressable Market (TAM)
The TAM for the financial services industry in the US is in the trillions of dollars, encompassing insurance premiums, assets under management, and banking services. Arrow Financial Corporation operates within specific niches of this broad market, aiming to capture a significant share of its target customer segments.
Upturn SWOT Analysis
Strengths
- Diversified business model across insurance, investments, and banking.
- Long operating history and established brand reputation.
- Strong customer relationships and personalized service approach.
- Experienced management team.
- Geographic concentration in certain regional markets which can foster deep community ties.
Weaknesses
- May have less brand recognition compared to national financial giants.
- Potential for slower adoption of cutting-edge digital technologies compared to fintech companies.
- Reliance on interest rate environments for certain investment and banking products.
- Limited economies of scale compared to larger, more consolidated competitors.
Opportunities
- Expansion into new geographic markets.
- Leveraging technology to enhance digital customer experience and operational efficiency.
- Strategic acquisitions to broaden service offerings or market reach.
- Growth in demand for retirement planning and wealth management services.
- Development of new insurance products catering to emerging risks.
Threats
- Intensifying competition from both traditional players and new fintech entrants.
- Changes in regulatory landscape impacting financial services.
- Economic downturns and market volatility affecting investment performance and loan demand.
- Cybersecurity threats and data breaches.
- Rising customer acquisition costs.
Competitors and Market Share
Key Competitors
- The Hartford Financial Services Group Inc. (HIG)
- Allstate Corporation (ALL)
- Chubb Limited (CB)
Competitive Landscape
Arrow Financial Corporation competes in a highly fragmented market. Its strengths lie in its integrated financial services model and personalized customer service, which can be a differentiator against larger, more impersonal competitors. However, it faces challenges from larger players with greater brand recognition and economies of scale.
Growth Trajectory and Initiatives
Historical Growth: Historically, Arrow Financial Corporation has demonstrated steady growth, driven by organic expansion of its insurance and banking businesses, as well as strategic acquisitions. Its growth has been influenced by its ability to adapt to market changes and customer needs.
Future Projections: Future growth projections would typically be based on analyst estimates, which consider industry trends, company strategies, and economic outlook. These projections might include expected revenue growth, earnings per share increases, and expansion into new product lines or markets.
Recent Initiatives: Recent initiatives might include investments in digital transformation, enhancing customer onboarding processes, developing new insurance products, or optimizing its branch network to align with evolving customer preferences.
Summary
Arrow Financial Corporation is a well-established, diversified financial services company with a long history and a strong foundation in insurance, investments, and banking. Its integrated model and focus on customer relationships are key strengths. However, it faces significant competition from larger entities and the constant need to adapt to technological advancements and regulatory changes. Continued focus on digital transformation and strategic market expansion will be crucial for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations
- Financial Data Providers (e.g., Refinitiv, Bloomberg)
- SEC Filings (10-K, 10-Q)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share percentages are estimates and may vary depending on the source and definition of the market.
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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