ARROW FINANCIAL CORP
AROWNasdaq
$41.56
↓ -2.2%Jul 17 close · end-of-day
Price
1Y↑ +59.8%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$681.7M
Enterprise Value
$686.0M
P/E
13.4
P/S
—
P/B
1.5
EV/EBITDA
—
PEG
—
FCF Yield
6.1%
Dividend Yield
2.8%
Revenue (TTM)
—
Net Income (TTM)
$51.1M
Free Cash Flow (TTM)
$41.3M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
11.6%
ROIC
—
Debt / Equity
0.0
Net Cash
-$4.3M
Return 1Y
+58.2%
Company profile
Arrow Financial Corporation provides commercial and consumer banking, and financial products and services. Its deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. The company operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties.
- CEO
- Thomas J. Murphy
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 510
- Headquarters
- New York
- Website
- arrowfinancial.com
Management & directors
- Demarco David S.President & CEO
- Ivanov Penko KrassimirSEVP, Treasurer and CFO
- Jacobs Michael JosephEVP, Chief Information Officer
- Pancoe Brooke MEVP, Chief HR Officer
- Wise Andrew JSEVP, Chief Risk Officer
- Yrsha MarcSEVP, Chief Banking Officer
Roles derived from SEC Form 4 filings.
Earnings
AROW Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.82↑ +115.8%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $40.8M | $49.9M | $48.8M | $30.1M | $29.7M | $44.0M |
| Diluted EPS | $2.49 | $2.92 | $2.86 | $1.77 | $1.77 | $2.65 |
| Operating cash flow | $42.3M | $68.2M | $59.7M | $20.6M | $34.5M | $41.3M |
| Free cash flow | $37.2M | $61.1M | $45.5M | $13.5M | $28.9M | $36.2M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $8.6M | $9.0M | $4.5M | $6.3M | $10.8M | $12.8M | $14.0M | $13.5M |
| Diluted EPS | $0.52 | $0.53 | $0.27 | $0.38 | $0.65 | $0.77 | $0.85 | $0.82 |
| Operating cash flow | $9.1M | $9.4M | $5.6M | $10.1M | $10.3M | $15.0M | $5.9M | $15.2M |
| Free cash flow | $7.5M | $8.1M | $4.1M | $8.8M | $8.3M | $14.3M | $4.8M | $13.9M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Jul 20, 2026
Jul 2, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-24 | O'Conor Raymond F | Option exercise | 1,126 | $31.34 | $35,288.84 | filing |
| 2026-06-24 | O'Conor Raymond F | Tax withholding | 874 | $40.36 | $35,274.64 | filing |
| 2026-06-18 | Behan Mark | Option exercise | 1,061 | $33.78 | $35,840.58 | filing |
| 2026-06-18 | Behan Mark | Tax withholding | 923 | $38.80 | $35,812.40 | filing |
| 2026-06-17 | Behan Mark | Sale | 4,110 | $38.59 | $158,604.90 | filing |
| 2026-06-17 | CHAMPION GREGORY J | J | 406 | $38.49 | $15,626.94 | filing |
| 2026-06-17 | Dawsey James M | J | 373 | $38.49 | $14,356.77 | filing |
| 2026-06-17 | Casaccio Tenee R | J | 292 | $38.49 | $11,239.08 | filing |
| 2026-06-17 | Jahnel Darrin | J | 286 | $38.49 | $11,008.14 | filing |
| 2026-06-17 | White Daniel James | J | 219 | $38.49 | $8,429.31 | filing |
| 2026-06-17 | KRUCZLNICKI DAVID G | J | 219 | $38.49 | $8,429.31 | filing |
| 2026-06-17 | Behan Mark | J | 203 | $38.49 | $7,813.47 | filing |
| 2026-06-17 | Morris Philip C | J | 195 | $38.49 | $7,505.55 | filing |
| 2026-06-17 | O'Conor Raymond F | J | 195 | $38.49 | $7,505.55 | filing |
| 2026-06-17 | Duffy Kristine D | J | 195 | $38.49 | $7,505.55 | filing |
| 2026-06-17 | Read Colin L | J | 187 | $38.49 | $7,197.63 | filing |
| 2026-06-10 | O'Conor Raymond F | Gift | 300 | $0.00 | $0.00 | filing |
| 2026-05-26 | Read Colin L | Gift | 119 | $0.00 | $0.00 | filing |
| 2026-05-26 | Read Colin L | Gift | 119 | $0.00 | $0.00 | filing |
| 2026-05-20 | Read Colin L | Gift | 500 | $0.00 | $0.00 | filing |
| 2026-05-20 | Read Colin L | Gift | 500 | $0.00 | $0.00 | filing |
| 2026-05-19 | Morris Philip C | Option exercise | 386 | $31.47 | $12,147.42 | filing |
| 2026-05-18 | Read Colin L | Gift | 525 | $0.00 | $0.00 | filing |
| 2026-05-18 | Read Colin L | Gift | 525 | $0.00 | $0.00 | filing |
| 2026-05-11 | Morris Philip C | Option exercise | 546 | $27.04 | $14,763.84 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.