AROW
ARROW FINANCIAL CORP
Next earnings Jul 22, 2026 · consensus $0.37 EPS, $46.4M rev
Last earnings +2.2% on 2026-04-30
$41.05
▲ +2.27%$41.05▲ +69.78%
over 1Y
L $24.18EODHDH $41.05
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.3%
1W+5.1%
1M+11.3%
3M+25.4%
YTD+33.4%
1Y+69.8%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 6 analysts
Sell
Mixed signals in the latest filings.
The read
It screens cheap (~145% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
ARROW FINANCIAL CORP shows limited reported revenue, and 10.2% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $49.9M | $48.8M | $30.1M | $29.7M | $44.0M |
| Diluted EPS | $2.92 | $2.86 | $1.77 | $1.77 | $2.65 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF18.7
PEG (trailing)0.32
Earnings yield6.5%
FCF yield5.3%
Quality & risk
ROIC (est.)—
Free cash flow$36.2M
Total debt$8.53M
Net cash$206M
Piotroski F-Score5/6
Capital returns
Buyback yield1.5%
Dividend yield (est.)2.6%
Shareholder yield4.1%
Shares Δ YoY-1.2%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRed flag in recent filings — restated periodic report (2026-03-27). Worth a closer look.
Recent filings
all on EDGAR ↗4Period ending 2026-06-242026-06-26open ↗4Period ending 2026-06-182026-06-23open ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗
Frequently asked
- Is ARROW FINANCIAL CORP (AROW) a buy?
- AROW currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is AROW's fair value?
- A Modified-Graham model based on AROW's SEC fundamentals estimates a fair value of about $100.70. It is an estimate from reported earnings, not a price target.
- Is AROW overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, AROW currently appears undervalued relative to its SEC-grounded earnings power.
- What is ARROW FINANCIAL CORP's quality score?
- AROW scores 78.64705882352939/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000717538, latest 10-Q filed 2026-05-08) · EODHD · as of 6/26/2026, 7:49:41 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.