ARROW FINANCIAL CORP (AROW)
Financials · regional banking · NASDAQ
Arrow Financial is a regional bank holding company providing commercial, consumer, and fiduciary banking services to communities in upstate New York and Vermont.
What ARROW FINANCIAL CORP does
Arrow Financial Corporation is a bank holding company that operates primarily through its wholly-owned banking subsidiary, Arrow Bank National Association. The company provides a comprehensive suite of commercial and consumer banking products, including various deposit accounts, residential and commercial mortgage lending, and consumer installment loans. Additionally, it offers fiduciary services, retirement planning, insurance products, and investment advisory services through its non-bank subsidiaries.
Themes: regional banking, wealth management, consumer lending, commercial lending, fiduciary services
Fundamentals
- Price$38.48 as of 2026-08-21 close
- Market cap$713M as of 2026-08-21
- 1-year return+38.0% 2025-08-21 close $27.88 → 2026-08-21 close $38.48
- P/E14.26 as of 2026-08-24
- Net margin+24.8% as of 2026-08-24
- ROE+11.8% as of 2026-08-24
- Debt / equity0.06 as of 2026-08-24
- Revenue growth (YoY)+26.2% as of 2026-08-24
- Beta0.75 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.4%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How AROW compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, AROW's dividend was covered by reported results (earnings payout 43%, free-cash-flow payout 52%). This describes past coverage, not a forecast.
- Earnings payout43% dividends / net income
- Free-cash-flow payout52% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How ARROW FINANCIAL CORP looks technically
ARROW FINANCIAL CORP (AROW) is trading 9.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 243 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 3 trading days ago. Trading volume is running unusually high — about 3.5× its 30-day average, a sign of heightened interest.
Trend
7
| Distance from the 200-day | it is trading 9.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +9.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $39.97 | $39.97 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $35.17 | $35.17 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 28 calendar days ago — the swings before that are what the structure reading is measured on | 28 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 243 trading days ago — a "golden cross", a bullish long-term signal | 243 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend) | 22.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30) | 39.9 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($36.95 to $41.09) — its "stochastic" reading is 37 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 37.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 33 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $42.69 | $42.69 |
|---|---|---|
| From the 52-week high | it is 9.9% below its 52-week high (its highest price of the past year) | -9.9% |
| Above the 52-week low | it is 48.7% above its 52-week low (its lowest price of the past year) | +48.7% |
| Below the 52-week high | it is 9.9% below its highest point of the past year | 9.9% |
| Since a 20-day breakout | it made a new 20-day low about 3 trading days ago | 3 sessions |
| Since a 55-day breakout | it made a new 55-day high about 27 trading days ago | 27 sessions |
| All-time high | its highest closing price on record is $42.69 (set on 2026-07-16) | $42.69 |
| Given back of the 52-week move | over the past year its closes ranged ($26.05 to $42.50), and it has given back roughly a quarter of its rise from last year’s low — 24% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $31.81 to $32.33. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 24.4% |
| From the all-time high | it is 9.9% below its all-time high | -9.9% |
| Nearest price level | it is trading 1.9% above a support level at $37.77 — a price it turned at four times since 2026-04-17, most recently on 2026-07-24. Since 2024-08-21 it has 14 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.9% |
| All-time low | its lowest closing price on record is $13.89 (set on 2008-07-01) | $13.89 |
| Above the all-time low | it is 177.1% above its all-time low | +177.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 33rd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9719 between its high and its low — about 2.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9719 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $37.98 and $40.95 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $37.98 – $39.47 – $40.95 |
| Typical daily range (% of price) | its price moves about 2.5% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.5% |
| Stretch from the 200-day average | it is trading 3.4 daily ranges above its 200-day average price (9.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.4 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 3.5× its 30-day average, a sign of heightened interest | 3.52× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
3
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a hammer | 1 session ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 1 session ago |
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.6% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.6% |
|---|---|---|
| Gap filled | a 5.2% gap down opened on 2026-07-23 has been "filled" 18 sessions ago — price traded back through the level the gap left behind, and it took 3 sessions to close | 18 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +0.79% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 9.1 percentage points (the stock lost 6.8% while the market gained 2.3%) | -9.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 1.6 percentage points (the stock gained 4.7% while the market gained 3.1%) | +1.6% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 1.5 percentage points (the stock gained 9.6% while the market gained 11.1%) | -1.5% |
| vs market, 12 months | over the past 12 months this stock beat the market by 17.5 percentage points (the stock gained 38.0% while the market gained 20.5%) | +17.5% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.1% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 3.6% of the share price. | -1.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 5% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $36.54 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +5.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $39.26 — a volume-weighted average of daily closes over 22 sessions, not a true tick-by-tick VWAP. | -2.0% |
Price levels it has turned at before
AROW last closed at $38.48 on 2026-08-21. Since 2024-08-21 it has turned at 14 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $37.77 | Support | 1.9% below the last close | turned there four times · 2026-04-17 to 2026-07-24 |
| $35.82 | Support | 6.9% below the last close | turned there twice · 2026-04-29 to 2026-06-03 |
| $34.49 | Support | 10.4% below the last close | turned there four times · 2024-11-11 to 2026-02-12 |
| $42.56 | Resistance | 10.6% above the last close | turned there twice · 2026-07-02 to 2026-07-16 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Unusually heavy trading volume · Broke down to a new 20-day low · Printed a doji candle · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.67 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$43.33 range $42.00 – $46.00; median $42.00
Analyst estimates, as of 2026-08-17. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for AROW
- Consensus EPS estimate$0.9333 next reporting period, as of 2026-08-17
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Changes in interest rates and economic conditions in the regional market areas of upstate New York and Vermont could impact loan demand and credit quality.","Regulatory compliance requirements and changes in banking laws could affect operations, profitability, and business strategies.","Concentration of loan portfolio in a specific regional area and indirect automobile lending programs."]
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days.
- Last 90 days0 buys · 1 sell ($158605) — 1 selling insider
- Last 180 days0 buys · 1 sell ($158605) — 1 selling insider
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-17. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about AROW's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding AROW as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,856,865
- Reported value $62,334,982
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
AROW had 434,674 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
AROW had 2.35% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.67 days to cover at the same settlement.
- Reported short interest (shares) 434,674
- Short interest (% of shares outstanding) 2.35%
- Prior settlement (shares) 425,212
- Reported change 2.23%
- Days to cover (reported) 4.67
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- KeyCorp (KEY)
- Community Bank System (CBU)
- NBT Bancorp (NBTB)
- TrustCo Bank Corp (TRST)
- Berkshire Hills Bancorp (BHLB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare AROW vs…
ARROW FINANCIAL CORP is found in…
Frequently asked questions
What does ARROW FINANCIAL CORP (AROW) do?
Arrow Financial Corporation is a bank holding company that operates primarily through its wholly-owned banking subsidiary, Arrow Bank National Association. The company provides a comprehensive suite of commercial and consumer banking products, including various deposit accounts, residential and commercial mortgage lending, and consumer installment loans.
What sector is ARROW FINANCIAL CORP (AROW) in?
ARROW FINANCIAL CORP (AROW) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does AROW pay a dividend?
Yes — ARROW FINANCIAL CORP (AROW) pays a dividend, with an indicated yield of about 4.39% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are ARROW FINANCIAL CORP's (AROW) competitors?
Notable peers of ARROW FINANCIAL CORP (AROW) include KeyCorp, Community Bank System, NBT Bancorp, TrustCo Bank Corp and Berkshire Hills Bancorp. This peer set is informational only — not financial advice.
Is ARROW FINANCIAL CORP (AROW) overbought or oversold right now?
ARROW FINANCIAL CORP (AROW) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 40, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on AROW come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.