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Arrow Financial Corporation(AROW)Earnings, Financials & Key Ratios
AROW•NASDAQ•Banking & Credit
14.6× P/E·Price updated Jun 19, 2026
AboutArrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. 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 improvements 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. In addition, it maintains an indirect lending program; and sells residential real estate loan originations into the secondary market. Further, the company provides retirement planning, trust, and estate administration services for individuals; and pension, profit-sharing, and employee benefit plan administration services for corporations. Additionally, it 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. The company operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, as well as surrounding areas. It owns 26 branch banking offices; and leases 12 branch banking offices, as well as two residential loan origination offices. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.Show more
- Net Interest Income$133M+19.2%
- Total Revenue$243M+8.7%
- Net Income$44M+47.9%
- Return on Equity10.56%+38.7%
- Net Interest Margin3%+15.4%
- Efficiency Ratio42.43%-2.7%
- ROA1%+43.3%
- Equity / Assets9.71%+4.3%
- Book Value per Share26.15+9.2%
AROW Key Insights
Arrow Financial Corporation (AROW) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 42.4% efficiency ratio
- ✓Healthy dividend yield of 2.9%
- ✓Trading near 52-week high
- ✓Trading at only 1.5x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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AROW Price & Volume
Arrow Financial Corporation (AROW) stock price & volume — 10-year historical chart
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AROW Growth Metrics
Arrow Financial Corporation (AROW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.39%
5 Years10.91%
3 Years14.75%
TTM-
Profit CAGR
10 Years5.95%
5 Years1.49%
3 Years-3.43%
TTM47.95%
EPS CAGR
10 Years5.51%
5 Years1.92%
3 Years-2.51%
TTM50.28%
Return on Capital
10 Years10.84%
5 Years9.32%
3 Years6.29%
Last Year2.64%
AROW Recent Earnings
Arrow Financial Corporation (AROW) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (50%)●Beat Revenue 5/12 qtrs (56%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.85+7.6%
$0.79
Rev
$45M+2.2%
$44M
Q2 2026
Mar 6, 2026Metric
Actual
Est
EPS
$0.85
—
Rev
$63M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.85+6.3%
$0.80
Rev
$43M+0.3%
$43M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.77+6.9%
$0.72
Rev
$43M+2.8%
$42M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.85vs $0.79+7.6% | $45Mvs $44M+2.2% |
| Q2 2026 | Mar 6, 2026 | $0.85 | $63M |
| Q1 2026 | Jan 29, 2026 | $0.85vs $0.80+6.3% | $43Mvs $43M+0.3% |
| Q4 2025 | Oct 30, 2025 | $0.77vs $0.72+6.9% | $43Mvs $42M+2.8% |
Based on last 12 quarters of dataView full earnings history →
AROW Peer Comparison
Arrow Financial Corporation (AROW) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 FUNC | 276.83M | 42.58 | 11.29 | 6.6% | 20.51% | 12.61% | 0.56 | |
 NECB | 356.09M | 25.74 | 7.92 | -1.55% | 28.41% | 13.07% | 0.21 | |
 TRST | 925.2M | 52.24 | 16.07 | 5.77% | 21.97% | 8.86% | 0.28 | |
 CHMG | 341.44M | 70.97 | 22.67 | -6.46% | 10.79% | 6.27% | 0.02 | |
 FISI | 735.42M | 37.36 | 10.35 | 43.07% | 19.86% | 12.26% | 0.53 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 STBA | 1.72B | 46.84 | 13.42 | 0.63% | 23.61% | 9.25% | 0.21 |
Compare AROW vs Peers
Arrow Financial Corporation (AROW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AROW Income Statement
Arrow Financial Corporation (AROW) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 77.65M | 84.02M | 88.05M | 99.2M | 110.36M | 118.34M | 104.83M | 111.73M | 133.16M |
NII Growth % | 8.51% | 8.2% | 4.8% | 12.67% | 11.24% | 7.24% | -11.42% | 6.58% | 19.18% |
Net Interest Margin % | 2.81% | 2.81% | 2.77% | 2.69% | 2.74% | 2.98% | 2.51% | 2.59% | 3% |
Interest Income | 84.66M | 96.5M | 109.76M | 111.9M | 115.55M | 129.65M | 162.56M | 194.99M | 210.15M |
Interest Expense | 7.01M | 12.48M | 21.71M | 12.69M | 5.2M | 11.31M | 57.73M | 83.26M | 76.98M |
Loan Loss Provision | 2.74M | 2.61M | 2.08M | 9.32M | 272K | 4.8M | 3.38M | 5.18M | 7.27M |
Non-Interest Income | 27.64M | 28.95M | 28.55M | 32.66M | 32.37M | 30.9M | 29.12M | 28.07M | 32.43M |
Non-Interest Income % | 24.62% | 23.08% | 20.65% | 22.59% | 21.88% | 19.25% | 15.19% | 12.59% | 13.37% |
Total Revenue | 112.3M▲ 0% | 125.45M▲ 11.7% | 138.31M▲ 10.3% | 144.55M▲ 4.5% | 147.92M▲ 2.3% | 160.55M▲ 8.5% | 191.68M▲ 19.4% | 223.07M▲ 16.4% | 242.58M▲ 8.7% |
Revenue Growth % | 7.21% | 11.71% | 10.25% | 4.51% | 2.33% | 8.54% | 19.39% | 16.37% | 8.75% |
Non-Interest Expense | 62.7M | 65.06M | 67.45M | 70.68M | 78.05M | 81.53M | 93.05M | 97.27M | 102.93M |
Efficiency Ratio | 55.84% | 51.86% | 48.77% | 48.89% | 52.76% | 50.78% | 48.54% | 43.6% | 42.43% |
Operating Income | 39.85M▲ 0% | 45.3M▲ 13.7% | 47.08M▲ 3.9% | 51.86M▲ 10.2% | 64.4M▲ 24.2% | 62.91M▼ 2.3% | 37.52M▼ 40.4% | 37.36M▼ 0.4% | 55.39M▲ 48.3% |
Operating Margin % | 35.49% | 36.11% | 34.03% | 35.88% | 43.54% | 39.19% | 19.57% | 16.75% | 22.83% |
Operating Income Growth % | 5.58% | 13.67% | 3.91% | 10.17% | 24.18% | -2.32% | -40.36% | -0.43% | 48.26% |
Pretax Income | 39.85M▲ 0% | 45.3M▲ 13.7% | 47.08M▲ 3.9% | 51.86M▲ 10.2% | 64.4M▲ 24.2% | 62.91M▼ 2.3% | 37.52M▼ 40.4% | 37.36M▼ 0.4% | 55.39M▲ 48.3% |
Pretax Margin % | 35.49% | 36.11% | 34.03% | 35.88% | 43.54% | 39.19% | 19.57% | 16.75% | 22.83% |
Income Tax | 10.53M | 9.03M | 9.6M | 11.04M | 14.55M | 14.11M | 7.45M | 7.65M | 11.44M |
Effective Tax Rate % | 26.42% | 19.92% | 20.39% | 21.28% | 22.59% | 22.43% | 19.84% | 20.47% | 20.65% |
Net Income | 29.33M▲ 0% | 36.28M▲ 23.7% | 37.48M▲ 3.3% | 40.83M▲ 8.9% | 49.86M▲ 22.1% | 48.8M▼ 2.1% | 30.07M▼ 38.4% | 29.71M▼ 1.2% | 43.95M▲ 47.9% |
Net Margin % | 26.11% | 28.92% | 27.09% | 28.24% | 33.71% | 30.4% | 15.69% | 13.32% | 18.12% |
Net Income Growth % | 10.52% | 23.71% | 3.3% | 8.94% | 22.12% | -2.12% | -38.37% | -1.22% | 47.95% |
Net Income (Continuing) | 29.33M | 36.28M | 37.48M | 40.83M | 49.86M | 48.8M | 30.07M | 29.71M | 43.95M |
EPS (Diluted) | 1.81▲ 0% | 2.22▲ 22.7% | 2.22▲ 0.0% | 2.41▲ 8.6% | 2.92▲ 21.2% | 2.86▼ 2.1% | 1.77▼ 38.1% | 1.77▲ 0.0% | 2.65▲ 49.7% |
EPS Growth % | 9.7% | 22.65% | 0% | 8.56% | 21.16% | -2.05% | -38.11% | 0% | 49.72% |
EPS (Basic) | 1.82 | 2.24 | 2.23 | 2.42 | 2.93 | 2.87 | 1.77 | 1.78 | 2.66 |
Diluted Shares Outstanding | 16.21M | 16.31M | 16.86M | 16.91M | 17.05M | 17.06M | 17.04M | 16.75M | 16.51M |
AROW Balance Sheet
Arrow Financial Corporation (AROW) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 373.04M | 401.77M | 427.56M | 746.28M | 1.02B | 638.15M | 640.3M | 617.66M | 29.13M |
Cash & Due from Banks | 72.84M | 84.24M | 70.22M | 380.99M | 457.7M | 64.66M | 142.54M | 154.55M | 29.13M |
Short Term Investments | 300.2M | 317.54M | 357.33M | 365.29M | 559.32M | 573.5M | 497.77M | 463.11M | 0 |
Total Investments | 2.58B | 2.79B | 2.98B | 3.16B | 3.4B | 3.71B | 3.82B | 3.93B | 4.18B |
Investments Growth % | 5.68% | 8.38% | 6.64% | 5.93% | 7.83% | 9.01% | 2.9% | 2.98% | 6.23% |
Long-Term Investments | 2.28B | 2.48B | 2.62B | 2.79B | 2.84B | 3.14B | 3.32B | 3.47B | 4.18B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 24.16M | 23.73M | 23.53M | 23.82M | 23.79M | 23.37M | 22.98M | 25.85M | 25.53M |
Goodwill | 21.87M | 21.87M | 21.87M | 21.87M | 21.87M | 21.87M | 21.87M | 23.79M | 23.79M |
Intangible Assets | 2.29M | 1.85M | 1.66M | 1.95M | 1.92M | 1.5M | 1.11M | 2.06M | 1.74M |
PP&E (Net) | 27.62M | 30.45M | 40.63M | 42.61M | 46.22M | 56.49M | 59.64M | 59.72M | 59.43M |
Other Assets | 57.61M | 55.61M | 70.18M | 84.73M | 96.58M | 114.63M | 126.93M | 134.51M | -4.18B |
Total Current Assets | 373.04M | 401.77M | 427.56M | 746.28M | 1.02B | 638.15M | 640.3M | 617.66M | 29.13M |
Total Non-Current Assets | 2.39B | 2.59B | 2.76B | 2.94B | 3.01B | 3.33B | 3.53B | 3.69B | 84.96M |
Total Assets | 2.76B▲ 0% | 2.99B▲ 8.3% | 3.18B▲ 6.6% | 3.69B▲ 15.8% | 4.03B▲ 9.2% | 3.97B▼ 1.5% | 4.17B▲ 5.0% | 4.31B▲ 3.3% | 4.45B▲ 3.2% |
Asset Growth % | 5.96% | 8.25% | 6.56% | 15.84% | 9.2% | -1.45% | 5.05% | 3.27% | 3.24% |
Return on Assets (ROA) | 1.09% | 1.26% | 1.21% | 1.19% | 1.29% | 1.22% | 0.74% | 0.7% | 1% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 349.97M | 587.66M | 366.35M | 87.7M | 70.17M | 106.92M | 71.57M | 33.6M | 29.19M |
Net Debt | 277.13M | 503.42M | 296.13M | -293.29M | -387.53M | 42.26M | -70.97M | -120.94M | 62K |
Long-Term Debt | 180M | 299M | 180M | 65M | 65M | 74.8M | 46.5M | 28.6M | 24.27M |
Short-Term Debt | 169.97M | 288.66M | 181.1M | 17.49M | 0 | 27M | 20M | 0 | 0 |
Other Liabilities | -84.22M | -214.49M | -99.86M | 31.82M | 36.1M | 10.69M | 30.96M | 43.91M | 3.26B |
Total Current Liabilities | 2.42B | 2.63B | 2.8B | 3.25B | 3.55B | 3.53B | 3.71B | 3.83B | 722.37M |
Total Non-Current Liabilities | 95.78M | 84.51M | 85.39M | 102.03M | 106.27M | 90.61M | 82.53M | 77.52M | 3.29B |
Total Liabilities | 2.51B | 2.72B | 2.88B | 3.35B | 3.66B | 3.62B | 3.79B | 3.91B | 4.01B |
Total Equity | 249.6M▲ 0% | 269.58M▲ 8.0% | 301.73M▲ 11.9% | 334.39M▲ 10.8% | 371.19M▲ 11.0% | 353.54M▼ 4.8% | 379.77M▲ 7.4% | 400.9M▲ 5.6% | 431.85M▲ 7.7% |
Equity Growth % | 7.19% | 8.01% | 11.92% | 10.83% | 11% | -4.75% | 7.42% | 5.56% | 7.72% |
Equity / Assets (Capital Ratio) | 9.04% | 9.02% | 9.48% | 9.07% | 9.22% | 8.91% | 9.11% | 9.31% | 9.71% |
Return on Equity (ROE) | 12.16% | 13.98% | 13.12% | 12.84% | 14.13% | 13.47% | 8.2% | 7.61% | 10.56% |
Book Value per Share | 15.39 | 16.53 | 17.89 | 19.77 | 21.77 | 20.72 | 22.29 | 23.94 | 26.15 |
Tangible BV per Share | 13.90 | 15.08 | 16.50 | 18.36 | 20.37 | 19.35 | 20.94 | 22.40 | 24.60 |
Common Stock | 18.48M | 19.04M | 19.61M | 20.19M | 20.8M | 21.42M | 22.07M | 22.07M | 22.07M |
Additional Paid-in Capital | 290.22M | 314.53M | 335.36M | 353.66M | 378M | 400.27M | 412.55M | 413.48M | 414.51M |
Retained Earnings | 28.82M | 29.26M | 33.22M | 41.9M | 54.08M | 65.4M | 65.79M | 77.22M | 102.27M |
Accumulated OCI | -8.51M | -13.81M | -6.36M | -816K | 347K | -49.66M | -33.42M | -18.45M | -4.04M |
Treasury Stock | -79.2M | -79.33M | -80.09M | -80.55M | -82.03M | -83.9M | -87.22M | -93.4M | -102.95M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
AROW Cash Flow Statement
Arrow Financial Corporation (AROW) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 37.83M | 41.98M | 43.94M | 42.31M | 68.21M | 59.71M | 20.58M | 34.47M | 41.28M |
Operating CF Growth % | 9.03% | 10.97% | 4.69% | -3.71% | 61.19% | -12.45% | -65.54% | 67.49% | 19.76% |
Net Income | 29.33M | 36.28M | 37.48M | 40.83M | 49.86M | 48.8M | 30.07M | 29.71M | 43.95M |
Depreciation & Amortization | 5.4M | 4.75M | 5.5M | 6.87M | 7.83M | 7.55M | 6.72M | 5.36M | 5.42M |
Deferred Taxes | -1.53M | -92K | 344K | -2.24M | 945K | -1.25M | 1.8M | -789K | 193K |
Other Non-Cash Items | 2.87M | 2.16M | 2.29M | -1.93M | 9.82M | 4.33M | 1.12M | 6.8M | -7.19M |
Working Capital Changes | 825K | -1.86M | -2.5M | -1.75M | -1.03M | -570K | -19.95M | -7.42M | -1.78M |
Cash from Investing | -148.57M | -227.77M | -192.23M | -187.32M | -274.6M | -393.06M | -82.65M | -88.95M | -61.45M |
Purchase of Investments | -158.11M | -92.25M | -135.35M | -181.19M | -332.75M | -196.24M | -81.83M | -157.22M | -136.6M |
Sale/Maturity of Investments | 210.28M | 120.78M | 137.66M | 204.11M | 148.89M | 136.19M | 232.13M | 225M | 124.12M |
Net Investment Activity | 52.17M | 28.53M | 2.31M | 22.92M | -183.86M | -60.06M | 150.3M | 67.78M | -12.48M |
Acquisitions | 96K | 98K | 0 | 0 | 0 | 0 | 0 | 32.35M | 0 |
Other Investing | -198.23M | -251.3M | -186.76M | -205.11M | -83.61M | -318.76M | -225.87M | -183.49M | -48.97M |
Cash from Financing | 126.22M | 197.19M | 134.27M | 455.77M | 283.1M | -59.69M | 139.95M | 66.49M | 79.81M |
Dividends Paid | -13.6M | -14.39M | -15.21M | -15.74M | -16.3M | -17.44M | -17.98M | -18.29M | -18.9M |
Share Repurchases | -3.25M | -2.1M | -2.47M | -1.58M | -2.66M | -2.87M | -3.61M | -6.79M | -10.24M |
Stock Issued | 1.68M | 1.76M | 1.78M | 1.81M | 1.84M | 1.9M | 472K | 0 | 581K |
Net Stock Activity | -1.56M | -337K | -692K | 230K | -826K | -968K | -3.14M | -6.79M | -9.66M |
Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
Other Financing | 130.25M | 103.23M | 272.75M | 619.93M | 317.76M | -51.02M | 189.42M | 109.53M | 112.77M |
Net Change in Cash | 15.48M▲ 0% | 11.4M▼ 26.4% | -14.02M▼ 223.0% | 310.77M▲ 2316.9% | 76.7M▼ 75.3% | -393.04M▼ 612.4% | 77.88M▲ 119.8% | 12.01M▼ 84.6% | 59.64M▲ 396.6% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 57.35M | 72.84M | 84.24M | 70.22M | 380.99M | 457.7M | 64.66M | 142.54M | 154.55M |
Cash at End | 72.84M | 84.24M | 70.22M | 380.99M | 457.7M | 64.66M | 142.54M | 154.55M | 214.18M |
Interest Paid | 6.96M | 12.21M | 20.84M | 13.8M | 5.37M | 5.75M | 51.83M | 84.49M | 77.21M |
Income Taxes Paid | 11.45M | 10.04M | 9.93M | 10.97M | 14.76M | 13.02M | 6.64M | 8.85M | 18.65M |
Free Cash Flow | 35.23M▲ 0% | 36.87M▲ 4.7% | 36.16M▼ 1.9% | 37.18M▲ 2.8% | 61.07M▲ 64.2% | 45.46M▼ 25.6% | 13.5M▼ 70.3% | 28.87M▲ 113.9% | 36.19M▲ 25.3% |
FCF Growth % | 5.93% | 4.68% | -1.94% | 2.83% | 64.24% | -25.55% | -70.31% | 113.88% | 25.35% |
AROW Banking Ratios
Arrow Financial Corporation (AROW) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 11.88% | 12.16% | 13.98% | 13.12% | 12.84% | 14.13% | 13.47% | 8.2% | 7.61% | 10.56% |
Return on Assets (ROA) | 1.05% | 1.09% | 1.26% | 1.21% | 1.19% | 1.29% | 1.22% | 0.74% | 0.7% | 1% |
Net Interest Margin | 2.75% | 2.81% | 2.81% | 2.77% | 2.69% | 2.74% | 2.98% | 2.51% | 2.59% | 3% |
Efficiency Ratio | 56.91% | 55.84% | 51.86% | 48.77% | 48.89% | 52.76% | 50.78% | 48.54% | 43.6% | 42.43% |
Equity / Assets | 8.94% | 9.04% | 9.02% | 9.48% | 9.07% | 9.22% | 8.91% | 9.11% | 9.31% | 9.71% |
Book Value / Share | 14.47 | 15.39 | 16.53 | 17.89 | 19.77 | 21.77 | 20.72 | 22.29 | 23.94 | 26.15 |
NII Growth | 8.55% | 8.51% | 8.2% | 4.8% | 12.67% | 11.24% | 7.24% | -11.42% | 6.58% | 19.18% |
Dividend Payout | 49.34% | 46.37% | 39.66% | 40.58% | 38.55% | 32.69% | 35.75% | 59.79% | 61.55% | 42.99% |
Related:AROW Dividend History·AROW Revenue History·AROW Price History·AROW P/E History·AROW Financial Ratios·AROW Institutional Holders
AROW SEC Filings & Documents
Arrow Financial Corporation (AROW) SEC filings — annual & quarterly reports (10-K, 10-Q)
AROW Frequently Asked Questions
Arrow Financial Corporation (AROW) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Arrow Financial Corporation (AROW) grew revenue by 8.7% over the past year. This is steady growth.
Yes, Arrow Financial Corporation (AROW) is profitable, generating $44.0M in net income for fiscal year 2025 (18.1% net margin).
Dividend & Returns
Yes, Arrow Financial Corporation (AROW) pays a dividend with a yield of 2.95%. This makes it attractive for income-focused investors.
Arrow Financial Corporation (AROW) has a return on equity (ROE) of 10.6%. This is reasonable for most industries.
Industry Metrics
Arrow Financial Corporation (AROW) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.
Arrow Financial Corporation (AROW) has an efficiency ratio of 42.4%. This is excellent, indicating strong cost control.