Arrow Financial Corp
AROW Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$38.37
KIRA · Stoqly’s AI analyst, in plain words
- Arrow Financial Corp had $158M of revenue in fiscal 2025, up 17.6% on the year before. Over five years, revenue changed +3.7% a year on average.
- Arrow Financial Corp made $44.0M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 4.0% a year.
- Arrow Financial Corp returned $10.2M to shareholders in fiscal 2025, 28% of free cash flow. The diluted share count fell 1.4%.
- It earned 10.6% on shareholders’ money. Running costs took 65.0% of revenue (the efficiency ratio; lower is better).
Market cap
$632M
P/E
12.4x
Revenue
$158M
Net income
$44.0M
Return on equity
10.6%
Efficiency ratio
65.0%
Arrow Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+17.6%
Yes. Sales grew 17.6% last year.
Does it make a profit?
27.8%
Yes. It keeps 27.8% of every sale as profit.
How lean are its costs?
65.0%
Costly. Running costs take 65.0% of revenue.
How much does it earn on its capital?
10.6%
Fair. It earns 10.6% a year on shareholders’ money.
How is the share priced?
12.4x
One share costs 12.4 times its yearly profit per share.
What Arrow Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- ARROW FINANCIAL CORP
- CIK
- 0000717538
Arrow Financial Corp · AROW
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $143M | $149M | $134M | $135M | $158M |
| Revenue growth | 8.2% | 4.6% | −10.2% | 0.5% | 17.6% |
| Net interest income | $110M | $118M | $105M | $107M | $126M |
| Net income | $49.9M | $48.8M | $30.1M | $29.7M | $44.0M |
| Net margin | 34.9% | 32.7% | 22.5% | 22.1% | 27.8% |
| Diluted EPS | $2.92 | $2.86 | $1.77 | $1.77 | $2.65 |
| Cash | |||||
| Cash from operations | $68.2M | $59.7M | $20.6M | $34.5M | $41.3M |
| Capital expenditure | $7.1M | $14.3M | $7.1M | $5.6M | $5.1M |
| Free cash flow | $61.1M | $45.5M | $13.5M | $28.9M | $36.2M |
| FCF margin | 42.8% | 30.5% | 10.1% | 21.4% | 22.9% |
| Dividends paid | $16.3M | $17.4M | — | — | — |
| Share buybacks | $2.7M | $2.9M | $3.6M | $6.8M | $10.2M |
| Share count change | 3.8% | 0.0% | −0.1% | −1.7% | −1.4% |
| Debt and strength | |||||
| Cash and short-term investments | $458M | $64.7M | $143M | $155M | $214M |
| Debt incl. finance leases | $50.2M | $87.7M | $38.1M | $22.2M | $13.5M |
| Loans, net | $2.6B | $3.0B | $3.2B | $3.4B | $3.4B |
| Deposits | $3.6B | $3.5B | $3.7B | $3.8B | $3.9B |
| Shareholders' equity | $371M | $354M | $380M | $401M | $432M |
| Returns and quality | |||||
| Return on equity | 14.1% | 13.5% | 8.2% | 7.6% | 10.6% |
| Return on tangible equity | 14.4% | 14.8% | 8.4% | 7.9% | 10.8% |
| Efficiency ratio | 54.7% | 54.6% | 69.5% | 72.3% | 65.0% |
| Piotroski F-score | 5 | 4 | 4 | 5 | 6 |
Insiders bought, 12 months
$0.2M
3 insiders
Insiders sold, 12 months
$0.2M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Arrow Financial Corp · AROW
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $38.37 a share, the company is worth $632M: 12.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000717538). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.