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Arrow Financial

AROW

Arrow Financial Corp is a regional bank holding company that provides a comprehensive suite of commercial and consumer banking, wealth management, and insurance services.

Market cap
$661.31M+38.8%
Net income$51.3M+67.8%
Free cash flow$44.6M+52.7%
EPS (diluted)$3.10+69.4%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 29, 2026 (in 3 months)
Revenue estimate$57.5M
EPS estimate$0.94

Financials

Q2 2026

Income statement

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Net income$11.0M+1.5%
EPS (diluted)$0.66+1.5%

Balance sheet

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Total debt$315.1M+1,622%
Total equity$446.3M+9.3%
Total assets$4.5B+1.5%

Cash flow

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Operating cash flow$15.8M+53.7%
CapEx$4.2M+110%
Free cash flow$11.6M+40.0%

Valuation & ratios

Valuation

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Market cap$661.31M+38.8%
P/E12.9×-1.4×

Returns & leverage

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Return on equity12%+4.3pp
Debt / equity0.7×+0.7×

Segments

By product

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Fees for Other Services to Customers$3.0M+6.5%
Income From Fiduciary Activities$2.7M+12.8%

Competitors

Profile

Arrow Financial Corp is a regional bank holding company that provides a comprehensive suite of commercial and consumer banking, wealth management, and insurance services. The company operates primarily through its banking subsidiary, Arrow Bank, serving individuals and small-to-mid-sized businesses in upstate New York and Vermont. Its core value proposition centers on community-focused relationship banking combined with specialized indirect lending and trust services.

Competitive position

A regional community bank with a strong niche in indirect auto lending and integrated wealth management services.

GeographiesUnited States, New York, Vermont
Customer segmentsRetail, SME, Corporate
Business modelInterest Income, Fee-based Services, Asset Management
SuppliersDepositors, Federal Home Loan Bank, Automobile Dealerships
CustomersHomeowners, Small Business Owners, Corporate Pension Plans, Secondary Mortgage Market Buyers
Listed1980
Employees537.0
CEODavid S. DeMarco
FilingsSEC EDGAR

FAQ

What is Arrow Financial's market cap?
Arrow Financial (AROW) has a market capitalization of $661.3M and trades on NASDAQ.
Who are Arrow Financial's competitors?
Arrow Financial's key competitors include Community Bank System, Inc., TrustCo Bank Corp NY, KeyCorp, and others. These companies compete in similar markets and product categories.
Who does Arrow Financial partner with?
Arrow Financial's notable partners include Freddie Mac.
What subsidiaries does Arrow Financial have?
Arrow Financial's subsidiaries include Arrow Bank National Association.
Where is Arrow Financial headquartered?
Arrow Financial is headquartered in United States of America and employs approximately 537 people. It has been publicly traded since 1980.