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Upturn AI SWOT - About
Arrow Financial Corporation (AROW)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $27.75
1 Year Target Price $27.75
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 40.9% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 440.56M USD | Price to earnings Ratio 15.73 | 1Y Target Price 27.75 |
Price to earnings Ratio 15.73 | 1Y Target Price 27.75 | ||
Volume (30-day avg) 2 | Beta 0.77 | 52 Weeks Range 22.48 - 33.91 | Updated Date 06/30/2025 |
52 Weeks Range 22.48 - 33.91 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.19% | Basic EPS (TTM) 1.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.99% | Operating Margin (TTM) 25.75% |
Management Effectiveness
Return on Assets (TTM) 0.65% | Return on Equity (TTM) 7.25% |
Valuation
Trailing PE 15.73 | Forward PE - | Enterprise Value 186309168 | Price to Sales(TTM) 3.26 |
Enterprise Value 186309168 | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 3.28 | Enterprise Value to EBITDA - | Shares Outstanding 16478800 | Shares Floating 14284261 |
Shares Outstanding 16478800 | Shares Floating 14284261 | ||
Percent Insiders 2.48 | Percent Institutions 52.4 |
Analyst Ratings
Rating 2 | Target Price 27.75 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Arrow Financial Corporation
Company Overview
History and Background
Arrow Financial Corporation, founded in 1983, is a multi-bank holding company headquartered in Glens Falls, New York. It operates primarily in northeastern New York. Through its subsidiaries, it provides a wide range of banking and financial services.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers investment management, trust, and financial planning services.
Leadership and Structure
Thomas J. Murphy is the President and CEO. The company is governed by a board of directors. The organizational structure includes various departments responsible for different aspects of banking operations, such as lending, compliance, and technology.
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. Competitors include other regional and national banks.
- Mortgages: Residential mortgages for home purchases and refinancing. Market share data is not publicly available. Competitors include other banks, credit unions, and mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. It's influenced by interest rates, economic conditions, and technological advancements. Consolidation is an ongoing trend.
Positioning
Arrow Financial Corporation is a community-focused bank operating in a specific geographic region. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The total addressable market includes all banking services in their operating region. Arrow Financial captures a small but significant portion, focusing on localized banking services
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Diversified revenue streams
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on interest rate environment
- Vulnerable to regional economic downturns
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Strategic acquisitions
Threats
- Increased competition from larger banks
- Rising interest rates
- Regulatory changes
- 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. Its advantage lies in its local focus and customer relationships. They lack a diverse national revenue base.
Major Acquisitions
Upstate National Bank
- Year: 2017
- Acquisition Price (USD millions): 43.1
- Strategic Rationale: Expanded market presence in the Capital Region of New York.
Growth Trajectory and Initiatives
Historical Growth: Arrow Financial Corporation has experienced moderate growth in recent years, driven by organic expansion and strategic initiatives.
Future Projections: Analysts project continued moderate growth, driven by favorable economic conditions in its operating region and increased demand for banking services.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
Arrow Financial Corporation is a stable, community-focused bank with consistent financial performance. Its strength lies in its local presence and customer relationships. However, its limited geographic reach and smaller scale present challenges, requiring ongoing investment in growth and digital capabilities to compete with larger institutions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data may be estimates and is subject to change. Financial data is based on publicly available information and may not be complete or accurate.
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 580 | Website https://www.arrowfinancial.com |
Full time employees 580 | 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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