How to buy Arrow Financial Corporation stock (AROW)

Arrow Financial Corporation is a banks - regional business based in the US. Arrow Financial Corporation shares (AROW) are listed on the NASDAQ and all prices are listed in US Dollars. Its last market close was $29.00 – a decrease of 6.84% over the previous week. Arrow Financial Corporation employs 560 staff and has a trailing 12-month revenue of around $136.1 million.

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Arrow Financial Corporation stock price (NASDAQ: AROW)

Use our graph to track the performance of AROW stocks over time.

Arrow Financial Corporation shares at a glance

• Key figures

Information last updated 2024-12-15.

Latest market close	$29.00
52-week range	$20.85 - $34.63
50-day moving average more info button	$29.16
200-day moving average more info button	$26.44
Wall St. target price	$31.50
PE ratio more info button	17.3866
Dividend yield more info button	$1.08 (3.27%)
Earnings per share (TTM) more info button	$1.94

Is it a good time to buy Arrow Financial Corporation stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Arrow Financial Corporation price performance over time

Historical closes compared with the close of $28.65 from 2024-12-19

1 week (2024-12-13)	-7.97%
1 month (2024-11-21)	-12.39%
3 months (2024-09-20)	-1.75%
6 months (2024-06-21)	16.32%

1 year (2023-12-21)	1.74%
2 years (2022-12-21)	-6.33%
3 years (2021-12-21)	29.0671
5 years (2019-12-20)	3.07%

Is Arrow Financial Corporation stock undervalued or overvalued?

Valuing Arrow Financial Corporation stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Arrow Financial Corporation's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Arrow Financial Corporation's P/E ratio

Arrow Financial Corporation's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 17x. In other words, Arrow Financial Corporation shares trade at around 17x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Arrow Financial Corporation's PEG ratio

Arrow Financial Corporation's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 2.41. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Arrow Financial Corporation's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Arrow Financial Corporation financials

Revenue TTM	$136.1 million
Operating margin TTM	34.33%
Gross profit TTM	$144.4 million
Return on assets TTM	0.76%
Return on equity TTM	8.75%
Profit margin	24.21%
Book value	$23.50
Market Capitalization more info button	$571.3 million

TTM: trailing 12 months

Arrow Financial Corporation share dividends

Dividend payout ratio: 55.61% of net profits

Recently Arrow Financial Corporation has paid out, on average, around 100% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Arrow Financial Corporation shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Arrow Financial Corporation's case, that would currently equate to about $1.08 per share.

Arrow Financial Corporation's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Arrow Financial Corporation's most recent dividend payout was on 28 October 2024. The latest dividend was paid out to all shareholders who bought their shares by 14 October 2024 (the "ex-dividend date").

Have Arrow Financial Corporation's shares ever split?

Arrow Financial Corporation's shares were split on a 103:100 basis on 15 September 2022 . So if you had owned 100 shares the day before before the split, the next day you'd have owned 103 shares. This wouldn't directly have changed the overall worth of your Arrow Financial Corporation shares – just the quantity. However, indirectly, the new 2.9% lower share price could have impacted the market appetite for Arrow Financial Corporation shares which in turn could have impacted Arrow Financial Corporation's share price.

Arrow Financial Corporation share price volatility

Over the last 12 months, Arrow Financial Corporation's shares have ranged in value from as little as $20.8482 up to $34.63. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Arrow Financial Corporation's is 0.719. This would suggest that Arrow Financial Corporation's shares are less volatile than average (for this exchange).

Arrow Financial Corporation overview

Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and enhancement to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses. In addition, it maintains an indirect lending program. Further, the company provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Additionally, it offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust.

Frequently asked questions

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What percentage of Arrow Financial Corporation is owned by insiders or institutions?
Currently 2.808% of Arrow Financial Corporation shares are held by insiders and 49.764% by institutions. How many people work for Arrow Financial Corporation?
Latest data suggests 560 work at Arrow Financial Corporation. When does the fiscal year end for Arrow Financial Corporation?
Arrow Financial Corporation's fiscal year ends in December. Where is Arrow Financial Corporation based?
Arrow Financial Corporation's address is: 250 Glen Street, Glens Falls, NY, United States, 12801 What is Arrow Financial Corporation's ISIN number?
Arrow Financial Corporation's international securities identification number is: US0427441029 What is Arrow Financial Corporation's CUSIP number?
Arrow Financial Corporation's Committee on Uniform Securities Identification Procedures number is: 042744102