Arrow Financial Corporation
General ticker "AROW" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $484.9M (TTM average)
Arrow Financial Corporation follows the US Stock Market performance with the rate: 57.8%.
Estimated limits based on current volatility of 1.2%: low 36.13$, high 37.01$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-05-12, amount 0.30$ (Y3.35%)
- Total employees count: 554 (+3.2%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Inflation, Liquidity and credit risks, Cybersecurity threats, Health emergencies
- Price in estimated range
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [27.14$, 36.51$]
- 2026-12-31 to 2027-12-31 estimated range: [27.21$, 37.05$]
Financial Metrics affecting the AROW estimates:
- Positive: with PPE of 11.8 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 22.83 > 18.39
- Positive: 6.59 < Operating cash flow per share per price, % of 7.84
- Negative: Shareholder equity ratio, % of 9.71 <= 19.24
- Negative: -0.75 < Inventory ratio change, % of 0
- Positive: Industry operating profit margin (median), % of 22.72 > 9.60
- Positive: -3.75 < Return on assets ratio (scaled to [-100,100]) of 0.98
- Positive: Industry earnings per price (median), % of 7.25 > 4.45
Short-term AROW quotes
Long-term AROW plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $133.95MM | $223.07MM | $242.58MM |
| Operating Expenses | $96.43MM | $185.71MM | $187.19MM |
| Operating Income | $37.52MM | $37.36MM | $55.39MM |
| Interest Expense | $57.73MM | $83.26MM | $76.98MM |
| Income(Loss) | $37.52MM | $37.36MM | $55.39MM |
| Taxes | $7.45MM | $7.65MM | $11.44MM |
| Net Income(Loss)* | $30.07MM | $29.71MM | $43.95MM |
| Stockholders Equity | $379.77MM | $400.90MM | $431.85MM |
| Assets | $4,169.87MM | $4,306.35MM | $4,445.86MM |
| Operating Cash Flow | $20.58MM | $34.47MM | $41.28MM |
| Capital expenditure | $7.08MM | $5.60MM | $5.09MM |
| Investing Cash Flow | $-82.65MM | $-88.95MM | $-61.45MM |
| Financing Cash Flow | $139.95MM | $66.49MM | $79.81MM |
| Earnings Per Share** | $1.77 | $1.77 | $2.66 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.