NMS · Banks - Regional

AROW (AROW) Stock

$40.63 -0.39% NMS: AROW Financial Services

Valuation

MetricValue
Price$40.63
Market Cap$671.59M
P/E Ratio13.78
P/B Ratio1.40
P/S Ratio2.46
EPS (TTM)$2.65
52-Week High$42.30
52-Week Low$24.90
Dividend Yield3.21%

Financials & Margins

MetricValue
ROE10.19%
ROA0.99%
ROCE12.73%
Gross Margin23.05%
Operating Margin22.63%
Net Margin20.72%
Debt/Equity0.07
Current Ratio0.04

Annual Financials (USD)

Metric20212022202320242025
Revenue$148.0M$161.0M$192.0M$223.0M$243.0M
Operating Profit$64.0M$63.0M$38.0M$37.0M$55.0M
Net Profit$50.0M$49.0M$30.0M$30.0M$44.0M
EPS$2.92$2.86$1.77$1.77$2.65
Op Margin43.5%39.2%19.6%16.8%22.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$4.0B$4.0B$4.2B$4.3B$4.4B
Total Liabilities$3.7B$3.6B$3.8B$3.9B$4.0B
Cash$458.0M$65.0M$143.0M$155.0M$29.0M
Borrowings$70.0M$107.0M$72.0M$34.0M$29.0M

Latest News

New Analyst Coverage Puts These 5 Stocks in the Spotlight Zacks · Jul 15, 2026 Arrow Financial (AROW) is a Top Dividend Stock Right Now: Should You Buy? Zacks · Jul 2, 2026 Arrow Financial Corporation Completes Strategic Acquisition of Adirondack Bancorp, Inc. PR Newswire · Jul 1, 2026 Keefe Bruyette & Woods Initiates Coverage on Arrow Financial With Market Perform Rating, $42 Price Target MT Newswires · Jun 25, 2026 Arrow Financial (AROW) Could Be a Great Choice Zacks · Jun 16, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$68.0M$60.0M$21.0M$34.0M$41.0M
Investing Cash Flow$-282.0M$-407.0M$-90.0M$-95.0M$-67.0M
Financing Cash Flow$315.0M$-54.0M$186.0M$103.0M$103.0M
Net Cash Flow$77.0M$-393.0M$78.0M$12.0M$60.0M
Free Cash Flow$61.0M$45.0M$13.0M$29.0M$36.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y51.92%
Return 3Y110.01%
Return 5Y40.44%

Ownership

Insiders Held2.92%
Institutions Held50.76%
Institutions Float Held52.28%
Institutional HolderSharesReport Date
Arrow Financial Corp1,878,8392026-03-31
Blackrock Inc.1,251,2572026-03-31
Dimensional Fund Advisors LP730,4712026-03-31
Vanguard Capital Management LLC637,5272026-03-31
Geode Capital Management, LLC370,7912026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ACNB $64.15 -0.63% 15.05 $655.11M 2.63%
ALRS $33.32 +1.77% 39.04 $837.28M 3.10%
BHB $40.62 -0.28% 15.07 $679.98M 3.75%
BWB $21.00 +1.74% 12.23 $585.50M 0.00%
CBNK $37.73 -0.55% 9.26 $614.55M 1.53%

About AROW

AROW is led by CEO David S. DeMarco, employs 580 people, headquartered in US, publicly traded since 1980.

AROW stock trades at $40.63 with a market capitalization of $671.59M. The stock is valued at a price-to-earnings (P/E) ratio of 13.78, price-to-book of 1.40, price-to-sales of 2.46. Over the past 52 weeks the stock has ranged between $24.90 and $42.30, and currently trades 3.9% below its 52-week high. It pays a dividend yielding 3.21%.

On profitability, AROW generates a return on equity (ROE) of 10.19%, return on capital employed of 12.73%, an operating margin of 22.63%, a net profit margin of 20.72%.

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