Arrow Financial Corp.

  • Market Cap: Micro Cap
  • Industry: Major Banks
  • ISIN: US0427441029
USD
30.92
0.82 (2.72%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

56.16 k

Shareholding (Mar 2025)

FII

2.46%

Held by 39 FIIs

DII

76.51%

Held by 22 DIIs

Promoter

0.00%

How big is Arrow Financial Corp.?

22-Jun-2025

As of Jun 18, Arrow Financial Corp. has a market capitalization of 533.82 million and reported total assets of 4,306.35 million, with shareholder's funds at 400.90 million.

As of Jun 18, Arrow Financial Corp. has a market capitalization of 533.82 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 198.68 million and a net profit of 28.35 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 400.90 million and total assets at 4,306.35 million.

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What does Arrow Financial Corp. do?

22-Jun-2025

Arrow Financial Corporation is a bank holding company focused on community banking, with a recent net sales of $50 million and a net profit of $6 million. It has a market cap of $533.82 million and offers a dividend yield of 3.44%.

Overview:<BR>Arrow Financial Corporation is a bank holding company operating in the Major Banks industry, focusing on community banking.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 50 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 6 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 533.82 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 20.00 <BR>Dividend Yield: 3.44% <BR>Debt Equity: 0.00 <BR>Return on Equity: 7.01% <BR>Price to Book: 1.32<BR><BR>Contact Details:<BR>Address: 250 Glen St, GLENS FALLS NY: 12801-3505 <BR>Tel: 1 518 4154299 <BR>Website: https://www.arrowfinancial.com/

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Who are in the management team of Arrow Financial Corp.?

22-Jun-2025

As of March 2022, the management team of Arrow Financial Corp. includes Independent Chairman Mr. Thomas Hoy, President and CEO Mr. Thomas Murphy, and several Independent Directors: Mr. Mark Behan, Ms. Tenee Casaccio, Mr. Michael Clarke, Mr. Gary Dake, and Mr. David Kruczlnicki.

As of March 2022, the management team of Arrow Financial Corp. includes the following individuals:<BR><BR>- Mr. Thomas Hoy, who serves as the Independent Chairman of the Board.<BR>- Mr. Thomas Murphy, who is the President, Chief Executive Officer, and a Director.<BR>- Mr. Mark Behan, who is an Independent Director.<BR>- Ms. Tenee Casaccio, who is also an Independent Director.<BR>- Mr. Michael Clarke, another Independent Director.<BR>- Mr. Gary Dake, who serves as an Independent Director.<BR>- Mr. David Kruczlnicki, who is also an Independent Director.<BR><BR>This team comprises both executive leadership and independent directors, contributing to the governance of the company.

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Should I buy, sell or hold Arrow Financial Corp.?

22-Jun-2025

Is Arrow Financial Corp. overvalued or undervalued?

20-Sep-2025

As of May 1, 2025, Arrow Financial Corp. is considered overvalued with a P/E ratio of 20, higher than its peers, and has underperformed the S&P 500, raising concerns about its current valuation.

As of 1 May 2025, Arrow Financial Corp. has moved from a fair to an expensive valuation grade. The company appears to be overvalued based on its P/E ratio of 20, which is higher than the fair valuations of its peers such as The First Bancshares, Inc. with a P/E of 13.19 and First Financial Corp. at 14.27. Additionally, Arrow's Price to Book Value stands at 1.38, and its EV to EBITDA is 7.58, both indicating a premium compared to its industry counterparts.<BR><BR>In terms of performance, Arrow Financial Corp. has shown mixed results against the S&P 500, with a year-to-date return of 3.80% compared to the index's 12.22%, and a one-year return of 0.71% versus 17.14% for the S&P 500. This underperformance reinforces the notion that the stock may not justify its current valuation amidst a backdrop of stronger returns from the broader market.

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Is Arrow Financial Corp. technically bullish or bearish?

20-Sep-2025

As of August 29, 2025, Arrow Financial Corp. shows a bullish technical trend with strong MACD and Bollinger Bands indicators, despite mixed performance compared to the S&P 500 over various time frames.

As of 29 August 2025, the technical trend for Arrow Financial Corp. has changed from mildly bullish to bullish. The weekly and monthly MACD indicators are bullish, and Bollinger Bands also reflect a bullish stance in both time frames. Daily moving averages are bullish as well. However, the KST is bullish weekly but mildly bearish monthly, and Dow Theory indicates a mildly bearish weekly trend with no trend monthly. <BR><BR>In terms of performance, Arrow Financial Corp. has outperformed the S&P 500 over the past week and month, but has lagged behind in the year-to-date and one-year returns, and significantly underperformed over three and five years. Overall, the current technical stance is bullish, driven by strong MACD and Bollinger Bands indicators.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

Positive results in Jun 25

  • NII(Q) Highest at USD 32.53 MM
  • DIVIDEND PER SHARE(HY) Highest at USD 0
  • GROSS NPA (%)(Q) Lowest at 0.18%
2

With ROA of 0.55%, it has a expensive valuation with a 1.38 Price to Book Value

3

High Institutional Holdings at 54.71%

4

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Major Banks

stock-summary
Market cap

USD 624 Million (Micro Cap)

stock-summary
P/E

20.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

3.00%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

7.48%

stock-summary
Price to Book

1.53

Revenue and Profits:
Net Sales:
52 Million
(Quarterly Results - Jun 2025)
Net Profit:
11 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
5.39%
0%
5.39%
6 Months
21.11%
0%
21.11%
1 Year
-4.74%
0%
-4.74%
2 Years
16.94%
0%
16.94%
3 Years
-12.23%
0%
-12.23%
4 Years
-11.68%
0%
-11.68%
5 Years
3.0%
0%
3.0%

Arrow Financial Corp. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
12.44%
EBIT Growth (5y)
-2.63%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
61.44%
Pledged Shares
0
Institutional Holding
54.71%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
1.38
EV to EBIT
8.86
EV to EBITDA
7.58
EV to Capital Employed
2.30
EV to Sales
1.37
PEG Ratio
NA
Dividend Yield
3.29%
ROCE (Latest)
25.99%
ROE (Latest)
7.01%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 35 Schemes (21.02%)

Foreign Institutions

Held by 39 Foreign Institutions (2.46%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About Arrow Financial Corp. stock-summary
stock-summary
Arrow Financial Corp.
Major Banks
Arrow Financial Corporation (Arrow) is a bank holding company. The Company's banking subsidiaries are Glens Falls National Bank and Trust Company (Glens Falls National) and Saratoga National Bank and Trust Company (Saratoga National). It operates in community banking industry segment. The Company's business consists primarily of the ownership, supervision and control of its two banks. It provides advisory and administrative services and coordinates the general policies and operation of the banks. The Company offers a range of commercial and consumer banking, and financial products. Its deposit base consists of deposits derived from the communities it serves. Through its banks' trust operations, the Company provides retirement planning, trust and estate administration services for individuals, and pension, profit-sharing and employee benefit plan administration for corporations.
Company Coordinates stock-summary
Company Details
250 Glen St , GLENS FALLS NY : 12801-3505
Registrar Details