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Arrow Financial

NSQ:AROW · US0427441029
BanksSmall

360

50
Profit price41
Cash yield71
Price/Sales69
EV / Gross Profit79
Price/Book17
Returns on capital76
Profit margins—
Cash Conversion35
Accruals53
Owner Earnings Margin50
Sales growth89
Profit Growth44
Owner Earnings Growth89
Reinvestment60
Price momentum83
Debt load84
Debt serviceability7
Liquidity54
Analyst ratings1
Opinion Changes50
Price Target Upside19
Market mood69
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Arrow Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1983
Employees252
Websitearrowfinancial.com
ISINUS0427441029
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
Insurance

Description

Arrow Financial Corporation (Arrow) operates as the bank holding company for Arrow Bank National Association (Arrow Bank or the bank) that offers a broad range of commercial and consumer banking and financial products. Through Arrow Bank, Arrow indi…

Analysis

Middle-of-the-road

Arrow Financial Corporation sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.2×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is sturdy. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
63
2023202420252026

All-time high

63

Jun 2026

All-time low

39

Jan 2024

Average rank

47

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
69
72
44
37
Price/Earnings
81
63
51
50
Price/Book
17
53
22
20
Dividend Yield
71
83
73
59
Value (overall)
60
81
27
27

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →