Arrow Financial Corp

Arrow Financial Corp (AROW) Stock Analysis

$36.800

+0.629 (+1.71%)At close

Loading chart…
High
36.970
Open
36.510
VWAP
36.72
Volume
65.51K
Mkt Cap
424.47M
Low
36.400
Amount
2.41M
EV/EBITDA, TTM
11.00

Arrow Financial Corporation is a bank holding company. The Company through its subsidiary, Arrow Bank National Association (Arrow Bank) provides a full range of services to individuals and small to mid-size businesses in New York State from Albany to the Canadian border. In addition, through an indirect lending program, it sources consumer loans from a network of automobile dealers that operate throughout New York and Vermont. It has a wealth management department which provides investment management and trust services. It’s subsidiary of Arrow Bank is Upstate Agency LLC, offering insurance services including property, and casualty insurance, group health insurance and individual life insurance products. North Country Investment Advisers, Inc., a registered investment adviser that provides investment advice to its proprietary mutual fund, and Arrow Properties, Inc., a real estate investment trust, or REIT, are subsidiaries of Arrow Bank.

AI analysis of Arrow Financial Corp (AROW)

Hold

Arrow Financial Corp is currently a hold due to its recent price decline and mixed technical indicators. The current price is $36.38, with an RSI of 32.76 indicating it is oversold, but the stock has a forward P/E of 13.00, suggesting it is fairly valued compared to its earnings potential. The main risk is the significant increase in debt to equity ratio, which jumped to 75.08%, indicating potential financial strain.

Analyst Ratings (1)

Hold
0 Buy
1 Hold
0 Sell
Current: 36.80
Low
—
Average
—
High
—

Raymond James

2026-09-01

Price Target

$44

Outperform

Piper Sandler

2026-07-28

Price Target

$46

Overweight

Keefe Bruyette

2026-06-25

Price Target

$42

Market Perform

Piper Sandler

2026-06-12

Price Target

$43

Overweight

Piper Sandler

2025-02-04

Price Target

$30

Hold

Valuation Metrics

The current forward P/E ratio for Arrow Financial Corp (AROW) is 13.00, compared to its 5-year average forward P/E of 11.48.

Forward P/E

Fair
5Y Average P/E
11.48
Current P/E
13.00
Overvalued
13.35
Undervalued
9.60

Forward EV/EBITDA

Strongly Overvalued
5Y Average EV/EBITDA
1.53
Current EV/EBITDA
11.00
Overvalued
5.21
Undervalued
-2.15

Forward P/S

Fair
5Y Average P/S
2.81
Current P/S
2.79
Overvalued
3.72
Undervalued
1.90

Alphio AI Price Scenarios for AROW

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%AROW

$27.20

Scenario price

B

Base

Base · 50%AROW

$24.63

Scenario price

B

Bear

Bear · 25%AROW

$20.81

Scenario price

Whales holding AROW

A

Arthur J. Gallagher & Co.

+ HoldingAROW

-10.62%

3M Return

Events Timeline

2026-06-01 (ET)

17:40:00

Arrow Financial and Adirondack Bancorp Merger Approved

2026-04-30 (ET)

08:10:00

Arrow Q1 Net Interest Margin Rises to 3.47%

2026-02-26 (ET)

08:40:00

Arrow Financial and Adirondack Bancorp Merge, Transaction Valued at Approximately $89.1M

2026-01-29 (ET)

08:10:00

Arrow Reports Record Net Income of $14 Million in Q4

08:10:00

Arrow Declares Quarterly Cash Dividend of $0.30

News

AROW FAQ — answered by Alphio AI

Arrow Financial Corporation is a bank holding company. The Company through its subsidiary, Arrow Bank National Association (Arrow Bank) provides a full range of services to individuals and small to mid-size businesses in New York State from Albany to the Canadian border. In addition, through an indirect lending program, it sources consumer loans from a network of automobile dealers that operate throughout New York and Vermont. It has a wealth management department which provides investment management and trust services. It’s subsidiary of Arrow Bank is Upstate Agency LLC, offering insurance services including property, and casualty insurance, group health insurance and individual life insurance products. North Country Investment Advisers, Inc., a registered investment adviser that provides investment advice to its proprietary mutual fund, and Arrow Properties, Inc., a real estate investment trust, or REIT, are subsidiaries of Arrow Bank. It operates in the Financials sector (NATIONAL COMMERCIAL BANKS industry).

Arrow Financial Corp is currently a hold due to its recent price decline and mixed technical indicators. The current price is $36.38, with an RSI of 32.76 indicating it is oversold, but the stock has a forward P/E of 13.00, suggesting it is fairly valued compared to its earnings potential. The main risk is the significant increase in debt to equity ratio, which jumped to 75.08%, indicating potential financial strain.

1 analysts cover AROW: 0 rate it Buy, 1 Hold and 0 Sell.

Community

More ↗

No posts yet

Sign up or log in to join the discussion

This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

Start trading