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AROW logo AROW
Upturn stock ratingUpturn stock rating
AROW logo

Arrow Financial Corporation (AROW)

Upturn stock ratingUpturn stock rating
$29.1
Last Close (24-hour delay)
Profit since last BUY10.6%
upturn advisory
Consider higher Upturn Star rating
BUY since 86 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

09/15/2025: AROW (2-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$28.5 Target price
52w Low $22.24
Current$29.1
52w High $33.55

Analysis of Past Performance

Type Stock
Historic Profit 56.89%
Avg. Invested days 68
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 09/15/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 477.60M USD
Price to earnings Ratio 15.85
1Y Target Price 28.5
Price to earnings Ratio 15.85
1Y Target Price 28.5
Volume (30-day avg) 2
Beta 0.82
52 Weeks Range 22.24 - 33.55
Updated Date 09/15/2025
52 Weeks Range 22.24 - 33.55
Updated Date 09/15/2025
Dividends yield (FY) 3.78%
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 15.85
Forward PE -
Enterprise Value 252366752
Price to Sales(TTM) 3.4
Enterprise Value 252366752
Price to Sales(TTM) 3.4
Enterprise Value to Revenue 3.41
Enterprise Value to EBITDA -
Shares Outstanding 16469000
Shares Floating 14053514
Shares Outstanding 16469000
Shares Floating 14053514
Percent Insiders 2.65
Percent Institutions 52.65

ai summary icon Upturn AI SWOT

Arrow Financial Corporation

stock logo

Company Overview

overview logo History and Background

Arrow Financial Corporation was founded in 1983 as a bank holding company. It has grown through acquisitions and organic expansion, focusing on community banking in northeastern New York.

business area logo Core Business Areas

  • Banking Services: Provides traditional banking products and services, including deposit accounts, loans (commercial, residential, and consumer), and trust and investment services.
  • Insurance Services: Offers insurance products and services through its subsidiary, Upstate Agency, LLC.

leadership logo Leadership and Structure

Thomas J. Murphy is the President and CEO. The company has a board of directors overseeing its operations. The organizational structure includes various departments for banking, lending, finance, and operations.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans to businesses for various purposes such as working capital, equipment financing, and real estate. Difficult to pinpoint precise market share, but regional banks like Arrow compete with national players for smaller businesses. Competitors include KeyCorp (KEY), M&T Bank (MTB), and Citizens Financial Group (CFG).
  • Residential Mortgages: Loans to individuals for purchasing or refinancing homes. Competitors include national mortgage lenders and other regional banks such as New York Community Bancorp (NYCB) and BankUnited (BKU).
  • Deposit Accounts: Checking and savings accounts. Hard to define marketshare as it depends on region, however the main competitor is KeyBank (KEY) and Berkshire Bank (BHLB).

Market Dynamics

industry overview logo Industry Overview

The banking industry is highly regulated and competitive, influenced by interest rates, economic conditions, and technological advancements. Community banks face increasing competition from larger institutions and fintech companies.

Positioning

Arrow Financial Corporation is a community bank focused on serving the needs of individuals and businesses in its local markets. Its competitive advantage lies in its local market knowledge and personalized service.

Total Addressable Market (TAM)

The TAM for community banking in northeastern New York is estimated to be in the billions of dollars. Arrow Financial is well-positioned to capture a share of this market through its local presence and customer relationships.

Upturn SWOT Analysis

Strengths

  • Strong local presence
  • Established customer relationships
  • Experienced management team
  • Diversified revenue streams (banking and insurance)

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to larger banks
  • Dependence on local economy
  • Higher operating costs due to regulatory overhead relative to larger banks

Opportunities

  • Expansion into new markets
  • Increased adoption of digital banking services
  • Acquisition of smaller banks or insurance agencies
  • Growth in the local economy

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Economic downturn
  • Changes in banking regulations

Competitors and Market Share

competitor logo Key Competitors

  • KEY
  • MTB
  • NYCB

Competitive Landscape

Arrow Financial's advantages include its local presence and personalized service. Its disadvantages include its smaller scale and limited geographic reach compared to larger competitors.

Major Acquisitions

Glens Falls National Bank and Trust Company

  • Year: 2016
  • Acquisition Price (USD millions): 38.4
  • Strategic Rationale: Expanded Arrow Financial's presence in the Glens Falls market.

Growth Trajectory and Initiatives

Historical Growth: Arrow Financial has experienced moderate growth over the past years, driven by organic expansion and acquisitions.

Future Projections: Analyst estimates for future growth vary depending on economic conditions and company strategy. Requires real-time data sources.

Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.

Summary

Arrow Financial is a community bank with a strong local presence, providing banking and insurance services. It faces competition from larger banks and fintech companies. The company's future growth depends on its ability to adapt to changing market conditions and leverage its local market knowledge. While their are larger players in the market, they can leverage their community trust. They should watch out for the bigger bank's interest rates and the impact it has on their clients

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Analyst Reports

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 550

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.