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General information

Country: UNITED STATES

Sector: Banks — Regional

Arrow 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...
Website: arrowfinancial.com



Growth: Good revenue growth rate 63.3%, there is acceleration compared to average historical growth rates 8.0%. The revenue growth dynamics is unstable

Profitability: LTM net profit margin is positive, +19.2%. On average the margin is decreasing unsteadily. In the last quarter the company did not beat the estimated EPS, -8.8%. The company was ahead of estimated EPS in 75% of quarters (showing a gain of +$0.03 per share on average)

Cash Flow Generation: Dividend yield for the last twelve months 3.1%.

Undervaluation: Fundamental value created in LTM (estimate)


Entry Point: Share price is 80.1% higher than minimum and 8.0% lower than maximum for the last 3 years

AI Insight: the companies with similar growth trajectories, Net Income margin, industries and geography on average are valued 3.7x by P / Sales multiple , the company can be 19.5% overvalued

Key Financials (Download financials)

Ticker: AROW
Share price, USD:  (+1.7%)39.11
year average price 35.35  


year start price 30.98 2025-11-11

min close price 29.19 2025-11-18

max close price 42.50 2026-07-16

current price 39.11 2026-11-10
Common stocks: 18 421 000

Dividend Yield:  3.1%
P / E LTM: 23.6x
P / E annualized: 29.5x
P / Sales: 4.5x
Margin (Net Income LTM / Revenue): 19.2%
Fundamental value created in LTM:
Market Cap ($m): 709
Price to Book: 1.6x

Revenue and Net Income

Quarterly values ($m)

Change (y/y)

Share price and dividends (Download history)

Share price

Payment USD per share

Multiple and potential

EV / Sales

Potential dynamics

News


2025-10-10seekingalpha.com

Arrow Financial: A Small-Cap Dividend Play

2025-08-07seekingalpha.com

16 Upcoming Dividend Increases Including 2 Kings

2025-05-01zacks.com

Arrow Financial (AROW) Q1 Earnings and Revenues Miss Estimates

2025-04-07zacks.com

Are You Looking for a High-Growth Dividend Stock?

2025-04-07zacks.com

Arrow Financial (AROW) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now

2025-03-09seekingalpha.com

Arrow Financial: Upgrading To Buy After The Market's Overreaction To Q4's Earnings Miss

2025-02-17zacks.com

Why Arrow Financial (AROW) is a Great Dividend Stock Right Now

2024-11-26prnewswire.com

Arrow's Banks Join Allpoint ATM Network, Expanding Access to More Than 50,000 ATMs Worldwide

2024-10-02gurufocus.com

Insider Sale: Director Raymond O'Conor Sells Shares of Arrow Financial Corp (AROW)

2024-02-02Zacks Investment Research

Why Arrow Financial (AROW) is a Top Dividend Stock for Your Portfolio
More information for subscribed users:
detailed calculation of
Fundamental value created in LTM

Financial reporting

Income Statement

Property 2025 q4 2025 q3 2025 q2 2024 q4 2024 q3 2024 q2 2024 q1 2023 q4 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3 2021 q4 2020 q4
date 2025-12-31 2025-09-30 2025-06-30 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2021-12-31 2020-12-31
symbol AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW
reportedCurrency USD USD USD USD USD USD USD USD USD USD USD USD USD USD USD
cik 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538
filingDate 2026-01-29 2025-03-14 2024-03-11 2023-07-18 2022-03-11 2021-03-10
acceptedDate 2026-01-29 07:48:16 2025-11-06 12:33:46 2025-08-08 10:50:51 2025-03-14 16:46:42 2024-11-07 11:02:35 2024-08-08 14:22:39 2024-05-10 08:32:17 2024-03-11 09:14:38 2023-11-09 16:18:49 2023-08-08 08:17:41 2023-07-27 16:15:35 2023-07-17 19:58:42 2022-11-07 12:35:35 2022-03-11 16:52:14 2021-03-10 13:51:58
fiscalYear 2025 2024 2023 2022 2021 2020
period FY Q3 Q2 FY Q3 Q2 Q1 FY Q3 Q2 Q1 FY Q3 FY FY
revenue 243M 62M 59M 223M 37M 56M 55M 192M 33M 33M 35M 161M 39M 148M 145M
costOfRevenue 84M 20M 20M 88M -21M 0 0 61M 0 0 -1M 16M 0 5M 22M
grossProfit 158M 42M 40M 135M 58M 56M 55M 131M 33M 33M 36M 144M 39M 142M 123M
researchAndDevelopmentExpenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
generalAndAdministrativeExpenses 85M 15M 15M 55M 14M 14M 14M 50M 13M 13M 12M 48M 13M 46M 45M
sellingAndMarketingExpenses 0 0 0 1M 0 15M 0 1M 0 0 0 1M 0 1M 1M
sellingGeneralAndAdministrativeExpenses 85M 15M 15M 57M 14M 14M 14M 51M 13M 13M 12M 49M 13M 47M 46M
otherExpenses 18M 10M 11M 41M 22M -4M -5M 42M -36M -40M -48M 32M 0 31M 25M
operatingExpenses 103M 25M 26M 97M 37M 4M 5M 93M -24M -40M -36M 82M 0 78M 71M
costAndExpenses 187M 46M 45M 186M 37M 45M 45M 154M -24M -40M -1M 98M 0 84M 93M
netInterestIncome 133M 112M 105M 118M 110M 99M
interestIncome 210M 54M 52M 195M 49M 48M 8M 163M 42M 40M 36M 130M 34M 116M 112M
interestExpense 77M 19M 19M 83M 21M 21M 1M 58M 17M 14M 8M 11M 3M 5M 13M
depreciationAndAmortization 0 2M 1M 5M 11M 1M 1M 7M 2M 2M 2M 8M 2M 8M 7M
ebitda 55M 18M 15M 43M 12M 0 1M 44M 10M 382 000 387 000 70M 21M 72M 59M
ebit 55M 37M 38M 63M 64M 52M
nonOperatingIncomeExcludingInterest 0 0 0 0 0 0
operatingIncome 55M 17M 14M 37M 648 000 52M 50M 38M 10M 382 000 387 000 63M 19M 64M 52M
totalOtherIncomeExpensesNet 0 0 0 0 11M 10M 10M 0 8M 7M 11M 0 -3M 0 0
incomeBeforeTax 55M 17M 14M 37M 12M 11M 10M 38M 10M 8M 11M 63M 16M 64M 52M
incomeTaxExpense 11M 4M 3M 8M 3M 2M 2M 7M 2M 2M 2M 14M 3M 15M 11M
netIncomeFromContinuingOperations 44M 30M 30M 49M 50M 41M
netIncomeFromDiscontinuedOperations 0 0 0 0 0 0
otherAdjustmentsToNetIncome 0 0 0 0 0 0
netIncome 44M 13M 11M 30M 9M 9M 8M 30M 8M 6M 9M 49M 12M 50M 41M
netIncomeDeductions 0 0 0 0 0 0
bottomLineNetIncome 44M 30M 30M 49M 50M 41M
eps 2.66 0.78 0.65 1.78 0.54 0.52 0.45 1.77 0.45 0.36 0.52 2.87 0.74 2.93 2.42
epsDiluted 2.65 1.77 1.77 2.86 2.92 2.41
weightedAverageShsOut 17M 16M 17M 17M 17M 17M 17M 17M 17M 17M 17M 17M 17M 17M 17M
weightedAverageShsOutDil 17M 16M 17M 17M 17M 17M 17M 17M 17M 17M 17M 17M 17M 17M 17M
fillingDate 2025-11-06 2025-08-08 2024-11-07 2024-08-08 2024-05-10 2023-11-09 2023-08-08 2023-07-27 2022-11-07
calendarYear 2025 2025 2024 2024 2024 2023 2023 2023 2022
grossProfitRatio 0.675 0.668 1.574 1 1 1 1 1.039 1
ebitdaratio 0.291 0.259 0.315 0.018 0.021 0.287 0.012 0.011 0.539
operatingIncomeRatio 0.266 0.235 0.018 0.932 0.917 0.287 0.012 0.011 0.487
incomeBeforeTaxRatio 0.266 0.235 0.315 0.196 0.178 0.287 0.234 0.314 0.402
netIncomeRatio 0.206 0.183 0.245 0.154 0.14 0.232 0.185 0.246 0.314
epsdiluted 0.78 0.65 0.54 0.51 0.45 0.45 0.36 0.52 0.74
link Link Link Link Link Link Link Link Link Link
finalLink Link Link Link Link Link Link Link Link Link

Balance Sheet Statement

Property 2025 q4 2025 q3 2025 q2 2024 q4 2024 q3 2024 q2 2024 q1 2023 q4 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3 2021 q4 2020 q4
date 2025-12-31 2025-09-30 2025-06-30 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2021-12-31 2020-12-31
symbol AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW
reportedCurrency USD USD USD USD USD USD USD USD USD USD USD USD USD USD USD
cik 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538
filingDate 2026-01-29 2025-03-14 2024-03-11 2023-07-18 2022-03-11 2021-03-10
acceptedDate 2026-01-29 07:48:16 2025-11-06 12:33:46 2025-08-08 10:50:51 2025-03-14 16:46:42 2024-11-07 11:02:35 2024-08-08 14:22:39 2024-05-10 08:32:17 2024-03-11 09:14:38 2023-11-09 16:18:49 2023-08-08 08:17:41 2023-07-27 16:15:35 2023-07-17 19:58:42 2022-11-07 12:35:35 2022-03-11 16:52:14 2021-03-10 13:51:58
fiscalYear 2025 2024 2023 2022 2021 2020
period FY Q3 Q2 FY Q3 Q2 Q1 FY Q3 Q2 Q1 FY Q3 FY FY
cashAndCashEquivalents 29M 397M 268M 155M 340M 200M 282M 143M 295M 174M 203M 65M 373M 458M 381M
shortTermInvestments 0 524M 448M 463M -286M 451M 486M 498M 519M 544M 566M 573M 575M 559M 365M
cashAndShortTermInvestments 29M 921M 716M 618M 54M -30M 282M 640M 814M 34M 25M 638M 948M 1 017M 746M
netReceivables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
accountsReceivables 0 0 0 0 0 0
otherReceivables 0 0 0 0 0 0
inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
prepaids 0 0 0 0 0 0
otherCurrentAssets 0 0 0 0 340M 0 295M 0 306M 0 0 0 0 0 0
totalCurrentAssets 29M 921M 716M 618M 394M 212M 295M 640M 814M 34M 25M 638M 948M 1 017M 746M
propertyPlantEquipmentNet 59M 60M 61M 60M 60M 64M 64M 60M 60M 60M 58M 56M 54M 46M 43M
goodwill 24M 24M 24M 24M 24M 22M 22M 22M 22M 22M 22M 22M 22M 22M 22M
intangibleAssets 2M 2M 2M 2M 2M 927 000 1M 1M 1M 1M 1M 2M 2M 2M 2M
goodwillAndIntangibleAssets 26M 26M 26M 26M 26M 23M 23M 23M 23M 23M 23M 23M 23M 24M 24M
longTermInvestments 0 3 438M 3 467M 3 469M 290M 186M 272M 3 320M 662M 689M 735M 3 137M 759M 2 844M 2 791M
taxAssets 0 0 0 0 0 3 668M 3 589M 0 0 0 0 0 0 0 0
otherNonCurrentAssets 0 142M 146M 135M -290M 92M 90M 127M -745M -689M -735M 115M -837M 97M 85M
totalNonCurrentAssets 85M 3 666M 3 699M 3 689M 86M 4 033M 4 038M 3 530M 745M 83M 82M 3 331M 837M 3 011M 2 942M
otherAssets 4 332M 0 0 0 3 931M 0 1 0 2 714M 3 987M 4 008M 0 2 447M 0 0
totalAssets 4 446M 4 587M 4 415M 4 306M 4 411M 4 244M 4 334M 4 170M 4 273M 4 104M 4 115M 3 970M 4 233M 4 028M 3 689M
totalPayables 0 0 0 0 0 0
accountPayables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
otherPayables 0 0 0 0 0 0
accruedExpenses 0 0 0 0 0 0
shortTermDebt 0 0 0 0 0 0 974 000 20M 980 000 164M 35M 27M -1000 0 17M
capitalLeaseObligationsCurrent 0 0 0 0 0 0
taxPayables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
deferredRevenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
otherCurrentLiabilities 722M 4 100M 3 929M 3 828M 740M 0 705M 3 688M 806M -164M -35M 3 498M 0 3 550M 3 235M
totalCurrentLiabilities 722M 4 100M 3 929M 3 828M 740M 715M 705M 3 708M 807M 164M 35M 3 525M -1000 3 550M 3 252M
longTermDebt 24M 29M 34M 29M 34M 127M 127M 47M 199M 197M 133M 75M 50M 65M 65M
capitalLeaseObligationsNonCurrent 5M 5M 5M 5M 5M 5M
deferredRevenueNonCurrent 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
deferredTaxLiabilitiesNonCurrent 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
otherNonCurrentLiabilities 3 262M 40M 43M 44M 3 244M 3 735M 3 124M 31M -199M -197M -133M 11M 2 765M 36M 32M
totalNonCurrentLiabilities 3 292M 69M 77M 78M 3 278M 3 146M 3 250M 83M 199M 197M 133M 91M 2 815M 106M 102M
otherLiabilities 0 0 0 0 0 0 0 0 -807M 3 381M 3 583M 0 1 072M 0 0
capitalLeaseObligations 5M 5M 5M 5M 5M 0 9M 5M 5M 5M 5M 5M 5M 5M 5M
totalLiabilities 4 014M 4 169M 4 006M 3 905M 4 018M 3 861M 3 956M 3 790M 199M 3 742M 3 751M 3 616M 3 887M 3 657M 3 354M
treasuryStock -103M -93M -87M -84M -82M -81M
preferredStock 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
commonStock 22M 22M 22M 22M 22M 22M 22M 22M 22M 21M 21M 21M 21M 21M 20M
retainedEarnings 102M 93M 85M 77M 77M 73M 69M 66M 63M 71M 69M 65M 58M 54M 42M
additionalPaidInCapital 415M 413M 413M 400M 378M 354M
accumulatedOtherComprehensiveIncomeLoss -4M -9M -11M -18M -26M -32M -33M -33M -53M -48M -44M -50M -49M 347 000 -816 000
otherTotalStockholdersEquity 0 0 0 0 0 0
totalStockholdersEquity 432M 418M 409M 401M 393M 383M 378M 380M 360M 361M 363M 354M 346M 371M 334M
totalEquity 432M 418M 409M 401M 393M 383M 378M 380M 360M 361M 363M 354M 346M 371M 334M
minorityInterest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
totalLiabilitiesAndTotalEquity 4 446M 4 587M 4 415M 4 306M 4 411M 4 244M 4 334M 4 170M 4 273M 4 104M 4 115M 3 970M 4 233M 4 028M 3 689M
totalInvestments 0 3 962M 3 914M 3 932M 290M 186M 272M 3 818M 1 181M 1 233M 1 301M 3 710M 1 334M 3 404M 3 156M
totalDebt 29M 29M 34M 34M 34M 137M 137M 72M 199M 197M 168M 107M 50M 70M 88M
netDebt 62 000 -368M -235M -121M -306M -63M -146M -71M -95M 23M -36M 42M -323M -388M -293M
fillingDate 2025-11-06 2025-08-08 2024-11-07 2024-08-08 2024-05-10 2023-11-09 2023-08-08 2023-07-27 2022-11-07
calendarYear 2025 2025 2024 2024 2024 2023 2023 2023 2022
othertotalStockholdersEquity 311M 312M 320M 320M 320M 328M 317M 316M 315M
totalLiabilitiesAndStockholdersEquity 4 587M 4 415M 4 411M 4 244M 4 334M 4 273M 4 104M 4 115M 4 233M
link Link Link Link Link Link Link Link Link Link
finalLink Link Link Link Link Link Link Link Link Link

Cash Flow Statement

Property 2025 q3 2025 q2 2024 q4 2024 q3 2024 q2 2024 q1 2023 q4 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3 2022 q2 2021 q4 2020 q4
date 2025-09-30 2025-06-30 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2021-12-31 2020-12-31
symbol AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW AROW
reportedCurrency USD USD USD USD USD USD USD USD USD USD USD USD USD USD USD
cik 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538 717 538
fillingDate 2025-11-06 2025-08-08 2024-11-07 2024-08-08 2024-05-10 2023-11-09 2023-08-08 2023-07-27 2022-11-07 2022-08-05
acceptedDate 2025-11-06 12:33:46 2025-08-08 10:50:51 2025-03-14 16:46:42 2024-11-07 11:02:35 2024-08-08 14:22:39 2024-05-10 08:32:17 2024-03-11 09:14:38 2023-11-09 16:18:49 2023-08-08 08:17:41 2023-07-27 16:15:35 2023-07-17 19:58:42 2022-11-07 12:35:35 2022-08-05 10:28:09 2022-03-11 16:52:14 2021-03-10 13:51:58
calendarYear 2025 2025 2024 2024 2024 2023 2023 2023 2022 2022
period Q3 Q2 FY Q3 Q2 Q1 FY Q3 Q2 Q1 FY Q3 Q2 FY FY
netIncome 13M 11M 30M 9M 9M 8M 30M 8M 6M 9M 49M 12M 12M 50M 41M
depreciationAndAmortization 2M 1M 5M 1M 1M 1M 7M 2M 2M 2M 8M 2M 2M 8M 7M
deferredIncomeTax 302 000 731 000 -789 000 -3000 7000 -259 000 2M 71 000 -962 000 891 000 -1M -342 000 134 000 945 000 -2M
stockBasedCompensation 228 000 416 000 809 000 -193 000 209 000 211 000 823 000 270 000 125 000 236 000 859 000 206 000 208 000 790 000 545 000
changeInWorkingCapital -2M -1M -7M -495 000 -419 000 914 000 -20M 1M 4M -9000 -570 000 2M -971 000 -1M -2M
accountsReceivables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
accountsPayables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
otherWorkingCapital -2M -1M -7M -495 000 -419 000 914 000 -20M 1M 0 0 -570 000 0 0 -1M -2M
otherNonCashItems 2M -2M 7M -28M 3M 3M 1M 352 000 1M 2M 4M 2M 680 000 10M -2M
netCashProvidedByOperatingActivities 15M 10M 34M -18M 10M 10M 21M 11M 12M 13M 60M 18M 14M 68M 42M
investmentsInPropertyPlantAndEquipment -739 000 -2M -6M 3M -2M -1M -7M -1M -2M -3M -14M -5M -3M -7M -5M
acquisitionsNet 0 0 32M 2M 2M 637 000 0 -69M -66M -23M 0 0 0 0 0
purchasesOfInvestments -55M -43M -157M -8M -447 000 -750 000 -82M -5M -1M -1M -196M -44M -36M -333M -181M
salesMaturitiesOfInvestments 25M 73M 225M -7M 65M 14M 232M 24M 41M 25M 136M 24M 36M 149M 204M
otherInvestingActivites -20M -21M 43M -66 000 841 000 -870 000 5M -4M -81M -108M
netCashUsedForInvestingActivites -50M 7M 33M 5M -38M -52M -23M -6M -107M -110M
debtRepayment -4M -10000 -3M -20M -80M -4M -113M -20M -13 000 -12 000
commonStockIssued 0 0 -166 000 0 116 000 0 0 472 000 471 000 475 000
commonStockRepurchased -1M -5M -7M -54 000 -510 000 -6M -4M 0 0 -848 000 -3M -108 000 -520 000 -3M -2M
dividendsPaid -5M -5M -5M -5M -5M -4M -4M -4M -4M -4M
otherFinancingActivites 174M -40M 105M -72M 6M 171M 98M 156M 250M -170M
netCashUsedProvidedByFinancingActivities 164M -50M 98M -98M 167M 162M -20M 131M 246M -174M
effectOfForexChangesOnCash 0 0 0 0 0 0 0 -124M 30M 6M 0 0 0 0 0
netChangeInCash 129M -33M 12M 140M -82M 140M 78M 121M -30M 139M -393M 156M -270M 77M 311M
cashAtEndOfPeriod 397M 268M 155M 340M 200M 282M 143M 295M 174M 203M 65M 373M 217M 458M 381M
cashAtBeginningOfPeriod 268M 301M 143M 200M 282M 143M 65M 174M 203M 65M 458M 217M 488M 381M 70M
operatingCashFlow 15M 10M 34M -18M 10M 10M 21M 11M 12M 13M 60M 18M 14M 68M 42M
capitalExpenditure -739 000 -2M -6M 3M -2M -1M -7M -1M -2M -3M -14M -5M -3M -7M -5M
freeCashFlow 14M 8M 29M -16M 8M 9M 13M 10M 10M 11M 45M 13M 11M 61M 37M
link Link Link Link Link Link Link Link Link Link Link
finalLink Link Link Link Link Link Link Link Link Link Link
filingDate 2025-03-14 2024-03-11 2023-07-18 2022-03-11 2021-03-10
fiscalYear 2024 2023 2022 2021 2020
otherInvestingActivities -183M -226M -319M -84M -205M
netCashProvidedByInvestingActivities -89M -83M -393M -275M -187M
netDebtIssuance -18M -28M 10M -18M -149M
longTermNetDebtIssuance -18M -28M 10M -18M 15M
shortTermNetDebtIssuance 0 0 0 0 -164M
netStockIssuance -7M -3M -968 000 -826 000 230 000
netCommonStockIssuance -7M -3M -968 000 -826 000 230 000
commonStockIssuance 0 472 000 2M 2M 2M
netPreferredStockIssuance 0 0 0 0 0
netDividendsPaid -18M -18M -17M -16M -16M
commonDividendsPaid -18M -18M -17M -16M -16M
preferredDividendsPaid 0 0 0 0 0
otherFinancingActivities 110M 189M -51M 318M 620M
netCashProvidedByFinancingActivities 66M 140M -60M 283M 456M
incomeTaxesPaid 9M 7M 13M 15M 11M
interestPaid 84M 52M 6M 5M 14M

Earning call transcript

Press-releases

Show financial reports only

2026-10-29 ET
Arrow Reports 3rd Quarter Net Income of $5.7 Million, or $0.31 per Share, and Declares 4th Quarter Dividend of $0.30 per Share
2026-09-10 ET
Arrow Announces Acquisition of Insurance Agency in Washington County, N.Y.
2026-07-23 12:00 ET
Arrow Reports 2nd Quarter Net Income of $11.0 Million, or $0.66 per Share, and Declares 3rd Quarter Dividend of $0.30 per Share
2026-07-01 ET
Arrow Financial Corporation Completes Strategic Acquisition of Adirondack Bancorp, Inc.
2026-06-01 21:28 ET
Arrow Financial Corporation and Adirondack Bancorp, Inc. Receive OCC Approval for Merger
2026-04-30 ET
Arrow Reports 1st Quarter Net Income of $13.5 Million, or $0.82 per Share, and Declares 2nd Quarter Dividend of $0.30 per Share
2026-02-26 ET
Arrow Financial Corporation Announces Strategic Acquisition of Adirondack Bancorp, Inc.
2026-01-29 13:00 ET
Arrow Reports 4th Quarter Net Income of $14.0 Million or $0.85 per Share and $44.0 Million or $2.65 per Share for 2025; Declares 1st Quarter Dividend of $0.30 per Share
2025-12-04 ET
Arrow Financial Corporation Appoints Darrin Jahnel to Board of Directors
2025-11-05 ET
Arrow Announces Preliminary Approval of Settlement
2025-10-30 12:00 ET
Arrow Reports 3rd Quarter Net Income of $12.8 Million, or $0.77 per Share, and Declares 4th Quarter Dividend of $0.29 per Share
2025-07-24 ET
Arrow Reports 2nd Quarter Net Income of $10.8 Million, or $0.65 per Share, and Declares 3rd Quarter Dividend of $0.29 per Share
2025-05-01 ET
Arrow Reports 1st Quarter Net Income of $6.3 Million, or $0.38 per Share, and Declares 2nd Quarter Dividend of $0.28 per Share
2025-01-30 ET
Arrow Reports 4th Quarter Net Income of $4.5 Million or $0.27 per Share and $29.7 Million or $1.77 per Share for 2024. Declares first quarter dividend of $0.28 per share.
2025-01-02 ET
Arrow Financial Unifies Banking Subsidiaries and Rebrands as Arrow Bank
2024-12-19 ET
Arrow Financial Corporation Appoints Four New Board Members
2024-11-26 ET
Arrow's Banks Join Allpoint ATM Network, Expanding Access to More Than 50,000 ATMs Worldwide
2024-10-31 12:00 ET
Arrow Reports 3rd Quarter Net Income of $9.0 Million, or $0.53 per Share
2024-10-10 12:30 ET
Arrow Named to Piper Sandler Sm-All Stars: Class of 2024
2024-10-03 12:00 ET
Arrow Declares October 2024 Cash Dividend
2024-08-06 12:00 ET
Arrow Completes Acquisition of Whitehall, N.Y. Branch
2024-07-25 12:00 ET
Arrow Reports 2nd Quarter Net Income of $8.6 Million, or $0.52 per Share, Declares Dividend of $0.27 per Share
2024-07-23 12:30 ET
Arrow to Unify Bank Subsidiaries into One Entity Renamed Arrow Bank
2024-06-06 17:00 ET
Tenée R. Casaccio Named Chair of the Arrow Board of Directors
2024-04-30 12:00 ET
Arrow Reports 1st Quarter Net Income of $7.7 Million, or $0.45 per Share, Declares Dividend of $0.27 per Share
2024-04-30 12:00 ET
Arrow Reports 1st Quarter Net Income of $7.7 Million, or $0.45 per Share, Declares Dividend of $0.27 per Share
2024-02-01 12:45 ET
Arrow Reports 4th Quarter Net Income of $7.7 Million or $0.46 per Share and $30.1 Million or $1.77 per Share for 2023. Declares Cash Dividend of $0.27 per Share, its 43rd Consecutive Quarterly Dividend
2024-02-01 ET
Arrow Reports 4th Quarter Net Income of $7.7 Million or $0.46 per Share and $30.1 Million or $1.77 per Share for 2023. Declares Cash Dividend of $0.27 per Share, its 43rd Consecutive Quarterly Dividend
2023-10-26 21:12 ET
Arrow Declares December 2023 Cash Dividend; Announces Resumption of Dividend Reinvestment Plan and Expansion of Its Stock Repurchase Program
2023-10-24 11:45 ET
Arrow Reports Q3 2023 Net Income of $7.7 Million and Earnings per Share of $0.46, Loans of $3.1 Billion on 9% Annualized Loan Growth
2023-10-24 ET
Arrow Reports Q3 2023 Net Income of $7.7 Million and Earnings per Share of $0.46, Loans of $3.1 Billion on 9% Annualized Loan Growth
2023-08-31 13:59 ET
Arrow Financial Corporation Declares Stock Dividend
2023-08-08 11:45 ET
Arrow Reports $6.0 million in Q2 2023 Net Income, Loans Reach Record High of $3.1 Billion
2023-08-08 ET
Arrow Reports $6.0 million in Q2 2023 Net Income, Loans Reach Record High of $3.1 Billion
2023-07-31 11:50 ET
Board Appoints David S. DeMarco as Director; Approves 2023 Annual Meeting Date
2023-07-28 11:45 ET
Arrow Declares September 2023 Cash Dividend
2023-07-24 11:45 ET
Arrow Reports $8.6 million in Q1 2023 Net Income and Grew Deposits by $48.0 Million
2023-07-24 ET
Arrow Reports $8.6 million in Q1 2023 Net Income and Grew Deposits by $48.0 Million
2023-07-18 12:39 ET
Arrow Files 2022 Form 10-K
2023-05-15 12:31 ET
Thomas J. Murphy Terminates Employment as Arrow Financial Corporation President and CEO and as a Director of Arrow Financial Corporation; David S. DeMarco Appointed President and CEO
2023-05-15 12:30 ET
Arrow Financial Corporation Announces Receipt of NASDAQ Noncompliance Notice
2023-05-03 22:04 ET
Arrow Declares June 2023 Cash Dividend
2023-04-05 22:11 ET
Arrow Financial Corporation Announces Receipt of NASDAQ Noncompliance Notice
2023-02-06 14:50 ET
Arrow Financial Corporation Names Ivanov CFO
2023-02-02 14:31 ET
Arrow Declares March 2023 Cash Dividend
2023-01-30 12:55 ET
Arrow Reports $48.8 million in Net Income, Record Loan Growth of $315 million in 2022
2023-01-30 ET
Arrow Reports $48.8 million in Net Income, Record Loan Growth of $315 million in 2022
2022-10-27 14:15 ET
Arrow Approves 2023 Stock Repurchase Program
2022-10-27 14:10 ET
Arrow Declares December 2022 Cash Dividend
2022-10-27 11:45 ET
Arrow Reports $12.2 million in Q3 Net Income, Loan Growth of $80 Million in the Quarter
2022-10-27 ET
Arrow Reports $12.2 million in Q3 Net Income, Loan Growth of $80 Million in the Quarter
2022-09-01 13:05 ET
Arrow Financial Corporation Declares Stock Dividend
2022-07-28 14:15 ET
Arrow Declares September 2022 Cash Dividend
2022-07-27 11:56 ET
Arrow Reports $12.0 million in Q2 Net Income, Loan Growth of $108 Million
2022-07-27 ET
Arrow Reports $12.0 million in Q2 Net Income, Loan Growth of $108 Million
2022-04-28 13:30 ET
Arrow Declares June 2022 Cash Dividend
2022-04-26 11:50 ET
Arrow Reports $12.6 million in Q1 Net Income, Loan Growth of $69.3 Million
2022-04-26 ET
Arrow Reports $12.6 million in Q1 Net Income, Loan Growth of $69.3 Million
2022-02-01 15:30 ET
Arrow Promotes Leaders to Senior Executive Vice President
2022-01-27 15:30 ET
Arrow Declares Increased March 2022 Cash Dividend
2022-01-27 12:45 ET
Arrow Reports Annual Net Income of $49.9 million and Total Assets Over $4 Billion
2022-01-27 ET
Arrow Reports Annual Net Income of $49.9 million and Total Assets Over $4 Billion
2021-10-28 16:45 ET
Arrow Approves 2022 Stock Repurchase Program
2021-10-28 13:38 ET
Arrow Declares December Cash Dividend
2021-10-26 11:55 ET
Arrow Reports $13.0 million in Q3 Net Income, Surpasses $4 Billion in Total Assets
2021-10-26 ET
Arrow Reports $13.0 million in Q3 Net Income, Surpasses $4 Billion in Total Assets
2021-10-13 20:14 ET
Arrow Named to Piper Sandler Sm-All Star List for Financial Performance
2021-08-26 13:02 ET
Arrow Financial Corporation Declares Stock Dividend
2021-07-29 12:48 ET
Arrow Declares September Cash Dividend
2021-07-27 11:55 ET
Arrow Reports $13.3 million in Q2 Net Income as COVID-19 Recovery Continues
2021-07-27 ET
Arrow Reports $13.3 million in Q2 Net Income as COVID-19 Recovery Continues
2021-05-24 18:38 ET
Arrow Financial Corporation to Renovate and Improve Glens Falls, NY, Headquarters
2021-04-29 13:18 ET
Arrow Declares June Cash Dividend
2021-04-27 11:05 ET
Arrow Reports $13.3 million in Net Income and Diluted EPS of $0.85 in Q1
2021-04-27 ET
Arrow Reports $13.3 million in Net Income and Diluted EPS of $0.85 in Q1
2021-01-28 16:38 ET
Arrow Declares March Cash Dividend and Approves Stock Repurchase Program
2021-01-28 13:09 ET
Arrow Reports Annual Net Income of $40.8 million and Continued COVID-19 Response
2021-01-28 ET
Arrow Reports Annual Net Income of $40.8 million and Continued COVID-19 Response
2020-10-29 13:04 ET
Arrow Declares December Cash Dividend
2020-10-21 11:59 ET
Arrow Reports $11.0 million in Q3 Net Income as COVID-19 Response Continues
2020-10-21 ET
Arrow Reports $11.0 million in Q3 Net Income as COVID-19 Response Continues
2020-08-27 15:16 ET
Arrow Financial Corporation Declares Stock Dividend
2020-07-30 12:40 ET
Arrow Declares September Cash Dividend
2020-07-21 12:32 ET
Arrow Reports $9.2 million in Q2 Net Income as COVID-19 Response Continues
2020-07-21 ET
Arrow Reports $9.2 million in Q2 Net Income as COVID-19 Response Continues
2020-04-30 12:00 ET
Arrow Declares June Cash Dividend
2020-04-24 11:32 ET
Arrow Reports $8.1 million in Q1 Net Income and Year-Over-Year Loan Growth of 8.0%
2020-04-24 ET
Arrow Reports $8.1 million in Q1 Net Income and Year-Over-Year Loan Growth of 8.0%
2020-04-23 21:05 ET
Arrow Financial Corporation to Hold Virtual-Only Annual Meeting of Shareholders
2019-10-30 19:40 ET
Arrow Approves 2020 Stock Repurchase Program
2019-10-30 19:23 ET
Arrow Declares December Cash Dividend
2019-10-22 11:41 ET
Arrow Reports $10.1 million in Q3 Net Income and Year-Over-Year Loan Growth of 9.9%
2019-10-22 ET
Arrow Reports $10.1 million in Q3 Net Income and Year-Over-Year Loan Growth of 9.9%
2019-08-28 18:46 ET
Arrow Financial Corporation Declares Stock Dividend
2019-07-31 19:08 ET
Arrow Declares September Cash Dividend
2019-07-22 11:16 ET
Arrow Reports Year-Over-Year Loan Growth of 10.8% and $8.9 million in Q2 Net Income
2019-07-22 ET
Arrow Reports Year-Over-Year Loan Growth of 10.8% and $8.9 million in Q2 Net Income
2019-04-24 18:30 ET
Arrow Declares June Cash Dividend
2019-04-23 11:54 ET
Arrow Reports 12.2% Year-Over-Year Loan Growth and $8.7 million in Net Income

SEC forms

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SEC form 8
2026-10-29 00:00 ET
Arrow Financial Corporation published news for 2026 q3
SEC form 8
2026-10-29 00:00 ET
Arrow Financial Corporation reported for 2026 q3
SEC form 8
2026-10-29 00:00 ET
Arrow Financial Corporation published news for 2026 q3
SEC form 10
2026-08-06 17:50 ET
Arrow Financial Corporation published news for 2026 q2
SEC form 8
2026-07-23 11:29 ET
Arrow Financial Corporation published news for 2026 q2
SEC form 8
2026-07-23 11:29 ET
Arrow Financial Corporation reported for 2026 q2
SEC form 8
2026-07-23 11:29 ET
Arrow Financial Corporation published news for 2026 q2
SEC form 8
2026-06-03 13:59 ET
Arrow Financial Corporation published news for 2026 q1
SEC form 8
2026-06-03 13:59 ET
Arrow Financial Corporation published news for 2026 q1
SEC form 8
2026-06-01 20:30 ET
Arrow Financial Corporation published news for 2026 q1
SEC form 8
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Arrow Financial Corporation published news for 2026 q1
SEC form 10
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Arrow Financial Corporation published news for 2026 q1
SEC form 8
2026-04-30 11:57 ET
Arrow Financial Corporation published news for 2026 q1
SEC form 8
2026-04-30 11:57 ET
Arrow Financial Corporation reported for 2026 q1
SEC form 8
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Arrow Financial Corporation published news for 2026 q1
SEC form 10
2026-03-06 17:55 ET
Arrow Financial Corporation published news for 2025 q4
SEC form 8
2026-01-29 07:48 ET
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SEC form 8
2026-01-29 07:48 ET
Arrow Financial Corporation reported for 2025 q4
SEC form 8
2026-01-29 07:48 ET
Arrow Financial Corporation published news for 2025 q4
SEC form 10
2025-11-06 17:33 ET
Arrow Financial Corporation reported for 2025 q3
SEC form 8
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Arrow Financial Corporation published news for 2025 q3
SEC form 8
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Arrow Financial Corporation published news for 2025 q3
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Arrow Financial Corporation published news for 2025 q3
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SEC form 8
2025-10-30 11:51 ET
Arrow Financial Corporation reported for 2025 q3
SEC form 8
2025-10-30 11:51 ET
Arrow Financial Corporation published news for 2025 q3
SEC form 10
2025-08-08 14:50 ET
Arrow Financial Corporation reported for 2025 q2
SEC form 8
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Arrow Financial Corporation published news for 2025 q2
SEC form 8
2025-07-24 11:46 ET
Arrow Financial Corporation reported for 2025 q2
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Arrow Financial Corporation published news for 2025 q2
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SEC form 10
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Arrow Financial Corporation published news for 2025 q1
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SEC form 8
2025-05-01 11:42 ET
Arrow Financial Corporation reported for 2025 q1
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Arrow Financial Corporation published news for 2025 q1
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SEC form 8
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Arrow Financial Corporation reported for 2024 q4
SEC form 8
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SEC form 10
2024-11-07 11:02 ET
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2023-10-24 08:21 ET
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2023-03-16 17:19 ET
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2023-01-30 00:00 ET
Arrow Financial Corporation reported for 2022 q4
SEC form 10
2022-11-07 00:00 ET
Arrow Financial Corporation reported for 2022 q3
SEC form 8
2022-10-27 00:00 ET
Arrow Financial Corporation reported for 2022 q3
SEC form 10
2022-08-05 00:00 ET
Arrow Financial Corporation reported for 2022 q2
SEC form 8
2022-07-27 00:00 ET
Arrow Financial Corporation reported for 2022 q2
SEC form 10
2022-05-06 00:00 ET
Arrow Financial Corporation reported for 2022 q1
SEC form 8
2022-04-26 00:00 ET
Arrow Financial Corporation reported for 2022 q1
SEC form 10
2022-03-11 00:00 ET
Arrow Financial Corporation published news for 2021 q4
SEC form 8
2022-01-27 00:00 ET
Arrow Financial Corporation published news for 2021 q4
SEC form 10
2021-11-04 00:00 ET
Arrow Financial Corporation published news for 2021 q3
SEC form 8
2021-10-26 00:00 ET
Arrow Financial Corporation published news for 2021 q3
SEC form 10
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2021-07-27 00:00 ET
Arrow Financial Corporation published news for 2021 q2
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2021-05-06 00:00 ET
Arrow Financial Corporation published news for 2021 q1
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2021-04-27 00:00 ET
Arrow Financial Corporation published news for 2021 q1