Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
AROW
HoldPremium GrowerFLAGArrow Financial Corporation · Financial Services · United States · $611M · Avg Vol: $3M/d
Arrow Financial has strong momentum at M76 with a buyback on file, but value at V42 is below the calibrated floor and quality Q58 is modest, so stage one fails. Insider selling is separately adverse.
COMPANY DESCRIPTION
Arrow Financial Corporation is a bank holding company providing a full range of commercial and consumer banking services through its subsidiaries, Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company. The corporation maintains a strong regional presence in Upstate New York, leveraging deep community ties and relationship-focused banking to compete effectively.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 149.2M | 133.9M | 139.8M | 165.6M | 3.5% | 170.2M | 206.3M | 240.1M | 20.4% |
| EPS | 2.93 | 2.86 | 1.77 | 1.78 | 2.65 | -2.5% | 3.10 | 3.39 | 4.16 | 25.3% |
| Shares | — | 17.0M | 16.9M | 16.7M | 16.4M | -3.5% | 18.5M | — | — | — |
| Debt | — | 79.9M | 51.6M | 33.6M | 29.2M | -28.5% | 338.6M | — | — | — |
| Equity | — | 353.5M | 379.8M | 400.9M | 431.9M | 6.9% | — | — | — | — |
| Op CF | — | 59.7M | 20.6M | 34.5M | 41.3M | -11.6% | 52.0M | — | — | — |
| Inv CF | — | -393.1M | -82.7M | -89.0M | -61.5M | — | — | — | — | — |
| Fin CF | — | -59.7M | 139.9M | 66.5M | 79.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AROW are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| AROW | Arrow Financial Corporation(you) | $611M | 63 | Hold |
| SFST | Southern First Bancshares, Inc. | $590M | 63 | Hold |
| UNTY | Unity Bancorp, Inc. | $590M | 64 | Hold |
| RRBI | Red River Bancshares, Inc. | $663M | 62 | Hold |
| HBCP | Home Bancorp, Inc. | $547M | 64 | Hold |
| BWB | Bridgewater Bancshares, Inc. | $594M | 61 | Hold |
| MSBI | Midland States Bancorp, Inc. | $685M | 61 | Hold |
| KRNY | Kearny Financial Corp. | $638M | 67 | Buy |
| HTB | HomeTrust Bancshares, Inc. | $776M | 63 | Hold |
| NRIM | Northrim BanCorp, Inc. | $571M | 67 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%